CSL Finance (BOM:530067) Debt-to-EBITDA : 5.23 (As of Mar. 2024)

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What is CSL Finance Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

CSL Finance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was ₹0 Mil. CSL Finance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was ₹5,049 Mil. CSL Finance's annualized EBITDA for the quarter that ended in Mar. 2024 was ₹965 Mil. CSL Finance's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 was 5.23.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for CSL Finance's Debt-to-EBITDA or its related term are showing as below:

BOM:530067' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.83 Med: 3.29 Max: 6.43
Current: 5.68

During the past 13 years, the highest Debt-to-EBITDA Ratio of CSL Finance was 6.43. The lowest was -0.83. And the median was 3.29.

BOM:530067's Debt-to-EBITDA is ranked better than
56.3% of 254 companies
in the Credit Services industry
Industry Median: 7.97 vs BOM:530067: 5.68

CSL Finance Debt-to-EBITDA Historical Data

The historical data trend for CSL Finance's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

CSL Finance Debt-to-EBITDA Chart

CSL Finance Annual Data

Trend

Mar15

Mar16

Mar17

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Debt-to-EBITDA

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3.00

2.10

4.52

6.43

5.68

CSL Finance Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-EBITDA	Get a 7-Day Free Trial															6.04	-	4.76	-	5.23

Competitive Comparison of CSL Finance's Debt-to-EBITDA

For the Credit Services subindustry, CSL Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

CSL Finance's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, CSL Finance's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where CSL Finance's Debt-to-EBITDA falls into.

CSL Finance Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

CSL Finance's Debt-to-EBITDA for the fiscal year that ended in Mar. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	5049.357)	/	888.5
	=	5.68

CSL Finance's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	5049.357)	/	964.944
	=	5.23

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Mar. 2024) EBITDA data.

CSL Finance (BOM:530067) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

CSL Finance Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of CSL Finance's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

CSL Finance (BOM:530067) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » CSL Finance Ltd (BOM:530067) » Definitions » Debt-to-EBITDA

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CSLFINANCE:India

Address

World Trade Tower, 716-717, 7th Floor, Tower B, Sector 16, Noida, UP, IND, 201301

Website

https://www.cslfinance.in

CSL Finance Ltd operates as a non-banking financial institution. The business activity of the company is to offer secured and unsecured lending to small and medium-size business units to fulfil their financial needs. The company's business is classified into two broader segments of SME business and Wholesale business. SME business is mainly focused on micro and small business loans to various business entities, which is secured mostly against self-occupied Residential or Commercial properties. Wholesale business is focused on big-ticket size loans for the working capital requirement of businesses. The primary revenue source of the company is interest income. The company operates within India.

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