Last Updated2026-06-02

Market View

₹227.74(▼0.57%)

Reporting PeriodQ4 FY26

CSLFINANCECSLFINANCE Forensic Risk Analysis

Name: CSLFINANCE Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Non Banking Financial Company (NBFC)

Risk ClassStable

Market Cap₹550 Cr

Primary DriverGovernance

Flagium AI Risk Score

6 / 100

-5 QoQ

Improving

Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

46.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹227.74▼0.57%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment

+6.0 pts

Final Composite Risk6 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 6 over 12 quarters.

Expected Direction

🟢 Improving

Primary Deterioration Drivers

Operating Leverage Stress
NIM Compression

What to Watch Next Quarter

Debt growth
Operating profit margins

Active Risk Objects (2)

CriticalHigh

Operating Leverage Stress

📊 Earnings QualityAnnualActive for 2 Years

More Detail

Impact Weight10/15

MomentumAccelerating

Last SignalQ1 FY2026

Expenses are consistently growing faster than revenues, creating operational pressure.

"The balance sheet is heavily over-leveraged. Interest payments are consuming most of the profit."

NIM Compression

📊 Earnings QualityQuarterlyActive for 6 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ3 FY2026

CSLFINANCE: NIM compressed by 96 bps YoY (to 11.92%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory

Loading Chart

Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	4.73	4.59	⚠️ HIGH
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+60.0	+55.5	✅ RESILIENT

Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart

Share Price

Risk Score (0-100)

Market Performance

₹227.74(-0.57%)

1M Divergence+1.18%

1 Week-6.49%

1 Month+0.45%

6 Months-21.55%

1 Year-30.41%

2 Year-45.27%

3 Year+2.73%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

CSLFINANCE • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%

Trend QualityDeteriorating

Phase Progression

Phase Progression Score0%

Readiness LabelLow (Early Base Consolidation)

Probability of Advancing0%

CoinTree Momentum

Composite Z-Score-0.7334σ

Weakening momentum trend

Universe Rank#2352 of 2716

Top 86.60% in momentum strength

Timeframe Sparklines

1W-6.5%

1M+0.5%

6M-21.6%

Weinstein Indicators

150 DMA₹264.45

200 DMA₹271.28

150 DMA Slope-2.6013%Declining

Relative Strength-16.71%Lagging

Relative Turnover (RTR)1.3156

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (10.5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
AFILAkme Fintrade (India) Limited	0	0th	-5	2	+0	GovernanceStable
CSLFINANCECSLFINANCE	6	46th	-5	2	+0	GovernanceStable
AVONMOREAvonmore Capital & Management Services Limited	17	84th	+17	3	+1	Earnings QualityStable
CAPTRUSTCapital Trust Limited	19	89th	0	7	+0	Earnings QualityStable