| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 | |
Growth YoY Revenue Growth YoY% | 40.0 | 45.4 | 38.9 | 44.8 | 41.1 | 17.6 | 21.2 | 16.4 | 17.8 | 20.2 | 21.7 | 17.7 |
Interest Expended Interest ExpendedCr | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
Expenses ExpensesCr | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 |
| 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 | |
FPM FPM% | 53.2 | 52.6 | 50.3 | 48.5 | 46.1 | 42.5 | 44.7 | 46.9 | 45.9 | 40.1 | 44.4 | 42.8 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
PBT PBTCr | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| 5 | 7 | 5 | 6 | 7 | 6 | 6 | 6 | 4 | 5 | 11 | 8 | |
| 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 | |
Growth YoY PAT Growth YoY% | 32.3 | 40.5 | 56.0 | 39.5 | 20.4 | 0.3 | 2.2 | 15.3 | 37.0 | 24.8 | 2.3 | 3.9 |
NPM NPM% | 38.7 | 36.8 | 39.8 | 36.2 | 33.0 | 31.4 | 33.6 | 35.9 | 38.4 | 32.6 | 28.2 | 31.7 |
| 7.0 | 7.3 | 8.2 | 8.1 | 7.8 | 7.4 | 8.3 | 9.4 | 10.7 | 9.2 | 8.5 | 9.7 |
| Quarter | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 38 | 45 | 47 | 51 | 54 | 53 | 57 | 59 | 64 | 64 | 69 | 70 | |
Growth YoY Revenue Growth YoY% | 40.0 | 45.4 | 38.9 | 44.8 | 41.1 | 17.6 | 21.2 | 16.4 | 17.8 | 20.2 | 21.7 | 17.7 |
Interest Expended Interest ExpendedCr | 9 | 11 | 13 | 14 | 16 | 17 | 18 | 18 | 21 | 22 | 23 | 24 |
Expenses ExpensesCr | 9 | 10 | 10 | 12 | 14 | 14 | 13 | 13 | 14 | 17 | 15 | 16 |
| 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 26 | 31 | 30 | |
FPM FPM% | 53.2 | 52.6 | 50.3 | 48.5 | 46.1 | 42.5 | 44.7 | 46.9 | 45.9 | 40.1 | 44.4 | 42.8 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
PBT PBTCr | 20 | 24 | 23 | 25 | 25 | 23 | 25 | 28 | 29 | 25 | 30 | 30 |
| 5 | 7 | 5 | 6 | 7 | 6 | 6 | 6 | 4 | 5 | 11 | 8 | |
| 15 | 17 | 19 | 18 | 18 | 17 | 19 | 21 | 24 | 21 | 19 | 22 | |
Growth YoY PAT Growth YoY% | 32.3 | 40.5 | 56.0 | 39.5 | 20.4 | 0.3 | 2.2 | 15.3 | 37.0 | 24.8 | 2.3 | 3.9 |
NPM NPM% | 38.7 | 36.8 | 39.8 | 36.2 | 33.0 | 31.4 | 33.6 | 35.9 | 38.4 | 32.6 | 28.2 | 31.7 |
| 7.0 | 7.3 | 8.2 | 8.1 | 7.8 | 7.4 | 8.3 | 9.4 | 10.7 | 9.2 | 8.5 | 9.7 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 44 | 40 | 41 | 58 | 61 | 62 | 75 | 117 | 166 | 215 | 256 | 267 |
Growth Revenue Growth% | -52.3 | -8.9 | 2.3 | 39.8 | 5.2 | 1.3 | 21.0 | 57.1 | 41.3 | 29.8 | 19.1 | 19.3 |
Interest Expended Interest ExpendedCr | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 84 | 89 |
Expenses ExpensesCr | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | 53 | 59 | 62 |
| 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 | 98 | 113 | 115 | |
FPM FPM% | 41.2 | 58.5 | 62.5 | 59.8 | 53.2 | 64.5 | 60.6 | 53.1 | 51.9 | 45.4 | 44.3 | 43.3 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
PBT PBTCr | 18 | 24 | 26 | 34 | 32 | 39 | 45 | 62 | 86 | 97 | 112 | 114 |
| 5 | 7 | 8 | 10 | 9 | 12 | 11 | 16 | 22 | 25 | 26 | 27 | |
PAT PATCr | 13 | 16 | 18 | 24 | 22 | 28 | 33 | 46 | 63 | 72 | 86 | 87 |
Growth PAT Growth% | 63.5 | 25.7 | 10.1 | 31.6 | -5.5 | 22.5 | 21.5 | 36.4 | 38.9 | 13.8 | 19.4 | 16.1 |
NPM NPM% | 29.4 | 40.6 | 43.7 | 41.1 | 36.9 | 44.6 | 44.8 | 38.9 | 38.3 | 33.5 | 33.6 | 32.6 |
| 9.3 | 11.7 | 11.3 | 13.3 | 12.3 | 15.0 | 17.9 | 22.0 | 28.6 | 31.6 | 37.8 | 38.1 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue RevenueCr | 44 | 40 | 41 | 58 | 61 | 62 | 75 | 117 | 166 | 215 | 256 | 267 |
Growth Revenue Growth% | -52.3 | -8.9 | 2.3 | 39.8 | 5.2 | 1.3 | 21.0 | 57.1 | 41.3 | 29.8 | 19.1 | 19.3 |
Interest Expended Interest ExpendedCr | 1 | 3 | 6 | 12 | 11 | 7 | 11 | 27 | 43 | 65 | 84 | 89 |
Expenses ExpensesCr | 25 | 13 | 9 | 11 | 18 | 15 | 19 | 28 | 37 | 53 | 59 | 62 |
| 18 | 24 | 26 | 35 | 32 | 40 | 45 | 62 | 86 | 98 | 113 | 115 | |
FPM FPM% | 41.2 | 58.5 | 62.5 | 59.8 | 53.2 | 64.5 | 60.6 | 53.1 | 51.9 | 45.4 | 44.3 | 43.3 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | |
Depreciation DepreciationCr | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
PBT PBTCr | 18 | 24 | 26 | 34 | 32 | 39 | 45 | 62 | 86 | 97 | 112 | 114 |
| 5 | 7 | 8 | 10 | 9 | 12 | 11 | 16 | 22 | 25 | 26 | 27 | |
PAT PATCr | 13 | 16 | 18 | 24 | 22 | 28 | 33 | 46 | 63 | 72 | 86 | 87 |
Growth PAT Growth% | 63.5 | 25.7 | 10.1 | 31.6 | -5.5 | 22.5 | 21.5 | 36.4 | 38.9 | 13.8 | 19.4 | 16.1 |
NPM NPM% | 29.4 | 40.6 | 43.7 | 41.1 | 36.9 | 44.6 | 44.8 | 38.9 | 38.3 | 33.5 | 33.6 | 32.6 |
| 9.3 | 11.7 | 11.3 | 13.3 | 12.3 | 15.0 | 17.9 | 22.0 | 28.6 | 31.6 | 37.8 | 38.1 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 5 | 5 | 6 | 6 | 6 | 6 | 20 | 20 | 22 | 22 | 22 |
Reserves ReservesCr | 94 | 110 | 176 | 205 | 226 | 253 | 300 | 341 | 452 | 519 | 599 |
Borrowings BorrowingsCr | 9 | 31 | 88 | 122 | 96 | 83 | 204 | 408 | 503 | 693 | 854 |
Other Liabilities Other LiabilitiesCr | 3 | 4 | 17 | 3 | 4 | 6 | 8 | 10 | 7 | 10 | 12 |
Total Liabilities Total LiabilitiesCr | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
| 1 | 1 | 1 | 4 | 3 | 3 | 6 | 8 | 8 | 9 | 8 | |
Cash Equivalents Cash EquivalentsCr | 1 | 10 | 3 | 10 | 15 | 21 | 16 | 46 | 63 | 81 | 93 |
Other Assets Other AssetsCr | 109 | 137 | 284 | 322 | 314 | 324 | 510 | 725 | 914 | 1,156 | 1,387 |
Total Assets Total AssetsCr | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital Equity CapitalCr | 5 | 5 | 6 | 6 | 6 | 6 | 20 | 20 | 22 | 22 | 22 |
Reserves ReservesCr | 94 | 110 | 176 | 205 | 226 | 253 | 300 | 341 | 452 | 519 | 599 |
Borrowings BorrowingsCr | 9 | 31 | 88 | 122 | 96 | 83 | 204 | 408 | 503 | 693 | 854 |
Other Liabilities Other LiabilitiesCr | 3 | 4 | 17 | 3 | 4 | 6 | 8 | 10 | 7 | 10 | 12 |
Total Liabilities Total LiabilitiesCr | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
| 1 | 1 | 1 | 4 | 3 | 3 | 6 | 8 | 8 | 9 | 8 | |
Cash Equivalents Cash EquivalentsCr | 1 | 10 | 3 | 10 | 15 | 21 | 16 | 46 | 63 | 81 | 93 |
Other Assets Other AssetsCr | 109 | 137 | 284 | 322 | 314 | 324 | 510 | 725 | 914 | 1,156 | 1,387 |
Total Assets Total AssetsCr | 110 | 149 | 288 | 336 | 332 | 348 | 532 | 779 | 985 | 1,245 | 1,488 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -19 | -13 | -109 | -15 | 33 | 22 | -158 | -167 | -128 | -102 | -57 | |
| 12 | 4 | -1 | -1 | 0 | 0 | -4 | -2 | -1 | -9 | -1 | |
| 6 | 18 | 102 | 23 | -27 | -17 | 157 | 196 | 143 | 121 | 70 | |
Net Cash Flow Net Cash FlowCr | -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 | 10 | 13 |
Free Cash Flow Free Cash FlowCr | -19 | -14 | -109 | -17 | 33 | 22 | -162 | -169 | -129 | -104 | -58 |
CFO To EBITDA CFO To EBITDA% | -101.6 | -56.4 | -421.0 | -44.6 | 101.7 | 55.9 | -350.0 | -267.4 | -148.4 | -105.0 | -49.9 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| -19 | -13 | -109 | -15 | 33 | 22 | -158 | -167 | -128 | -102 | -57 | |
| 12 | 4 | -1 | -1 | 0 | 0 | -4 | -2 | -1 | -9 | -1 | |
| 6 | 18 | 102 | 23 | -27 | -17 | 157 | 196 | 143 | 121 | 70 | |
Net Cash Flow Net Cash FlowCr | -1 | 9 | -8 | 7 | 5 | 5 | -5 | 27 | 14 | 10 | 13 |
Free Cash Flow Free Cash FlowCr | -19 | -14 | -109 | -17 | 33 | 22 | -162 | -169 | -129 | -104 | -58 |
CFO To EBITDA CFO To EBITDA% | -101.6 | -56.4 | -421.0 | -44.6 | 101.7 | 55.9 | -350.0 | -267.4 | -148.4 | -105.0 | -49.9 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 33 | 122 | 346 | 189 | 104 | 156 | 364 | 398 | 1,084 | 586 | 502 | 497 |
Price To Earnings Price To Earnings | 2.5 | 7.5 | 19.1 | 7.8 | 4.6 | 5.6 | 10.6 | 8.5 | 16.8 | 8.0 | 5.8 | 5.7 |
Price To Sales Price To Sales | 0.7 | 3.0 | 8.3 | 3.3 | 1.7 | 2.5 | 4.9 | 3.4 | 6.5 | 2.7 | 2.0 | 1.9 |
Price To Book Price To Book | 0.3 | 1.1 | 1.9 | 0.9 | 0.4 | 0.6 | 1.1 | 1.1 | 2.3 | 1.1 | 0.8 | 0.8 |
EV To EBITDA EV To EBITDA | 2.2 | 6.0 | 16.7 | 8.7 | 5.7 | 5.5 | 12.2 | 12.2 | 17.7 | 12.3 | 11.1 | 11.0 |
FPM FPM% | 41.2 | 58.5 | 62.5 | 59.8 | 53.2 | 64.5 | 60.6 | 53.1 | 51.9 | 45.4 | 44.3 | 43.3 |
NPM NPM% | 29.4 | 40.6 | 43.7 | 41.1 | 36.9 | 44.6 | 44.8 | 38.9 | 38.3 | 33.5 | 33.6 | 32.6 |
ROCE ROCE% | 18.5 | 18.7 | 11.9 | 13.8 | 12.9 | 13.6 | 10.6 | 11.5 | 13.1 | 13.1 | 13.3 | 13.3 |
ROE ROE% | 13.3 | 14.4 | 9.9 | 11.3 | 9.7 | 10.6 | 10.4 | 12.6 | 13.3 | 13.3 | 13.8 | 13.8 |
ROA ROA% | 11.8 | 11.1 | 6.3 | 7.1 | 6.8 | 7.9 | 6.3 | 5.9 | 6.4 | 5.8 | 5.8 | 5.8 |
| Financial Year | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Current |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap Market CapitalizationCr | 33 | 122 | 346 | 189 | 104 | 156 | 364 | 398 | 1,084 | 586 | 502 | 497 |
Price To Earnings Price To Earnings | 2.5 | 7.5 | 19.1 | 7.8 | 4.6 | 5.6 | 10.6 | 8.5 | 16.8 | 8.0 | 5.8 | 5.7 |
Price To Sales Price To Sales | 0.7 | 3.0 | 8.3 | 3.3 | 1.7 | 2.5 | 4.9 | 3.4 | 6.5 | 2.7 | 2.0 | 1.9 |
Price To Book Price To Book | 0.3 | 1.1 | 1.9 | 0.9 | 0.4 | 0.6 | 1.1 | 1.1 | 2.3 | 1.1 | 0.8 | 0.8 |
EV To EBITDA EV To EBITDA | 2.2 | 6.0 | 16.7 | 8.7 | 5.7 | 5.5 | 12.2 | 12.2 | 17.7 | 12.3 | 11.1 | 11.0 |
FPM FPM% | 41.2 | 58.5 | 62.5 | 59.8 | 53.2 | 64.5 | 60.6 | 53.1 | 51.9 | 45.4 | 44.3 | 43.3 |
NPM NPM% | 29.4 | 40.6 | 43.7 | 41.1 | 36.9 | 44.6 | 44.8 | 38.9 | 38.3 | 33.5 | 33.6 | 32.6 |
ROCE ROCE% | 18.5 | 18.7 | 11.9 | 13.8 | 12.9 | 13.6 | 10.6 | 11.5 | 13.1 | 13.1 | 13.3 | 13.3 |
ROE ROE% | 13.3 | 14.4 | 9.9 | 11.3 | 9.7 | 10.6 | 10.4 | 12.6 | 13.3 | 13.3 | 13.8 | 13.8 |
ROA ROA% | 11.8 | 11.1 | 6.3 | 7.1 | 6.8 | 7.9 | 6.3 | 5.9 | 6.4 | 5.8 | 5.8 | 5.8 |
Documents — CSL Finance Ltd
Concall Transcript Summaries — CSL Finance Ltd