CRISIL Ltd.
NSE: CRISILCRISIL Ltd.: A 30-second snapshot
CRISIL is a ratings and analytics company currently priced at ₹4,162, trading below its 200-day moving average of ₹4,601 and 31.2% off its 52-week high despite a 5-year earnings CAGR of 45.9% and positive free cash flow in 4 of the available tracked years. The trailing PE of 36.2 compresses to a forward PE of 27.6, reflecting analyst expectations of continued earnings growth. Quality score of 60 ranks highest among the 6 peers in the assigned Banking sector peer group, though CRISIL's business model differs materially from those comparators.
P/E
36.2
Forward P/E
27.6
ROE
—
Debt / Equity
9.79
Profit Margin
+21.6%
Div. Yield
+0.9%
5Y ROE > 15%
4/5
5Y FCF > 0
4/5
Quality
61/100
News
8 headlines · 4 positive · 1 negative
CRISIL: Q1 FY26 delivered robust revenue and profit growth, with improved margins and higher dividend - TradingView
TradingView
Crisil Ltd clocks over 3 pc sequential decline in Q4 profit - Investment Guru
Investment Guru
CRISIL Q1CY26 Results: Stock jumps after strong performance amid geopolitical uncertainties - CNBC TV18
CNBC TV18
CRISIL dividend announcement 2026: Board meeting schedule; record date, payment details - Business Today
Business Today
2800% dividend payout: Earn Rs 2800 on 100 shares of CRISIL Ltd; check record date - MSN
MSN
Recent context
- ·Q1 FY26 results reported robust revenue and profit growth with improved margins; CNBC TV18 noted the stock moved higher after the results release despite broader geopolitical uncertainty.
- ·The board announced a dividend for 2026; multiple sources noted a payout described in terms of face-value multiples, continuing a track record of distributions that aligns with the 0.86% current dividend yield.
- ·Q4 FY26 showed a sequential decline of over 3% in profit quarter-on-quarter, contrasting with the stronger year-on-year headline numbers — a data point that adds nuance to the full-year growth narrative.
Strengths
- +5-year revenue growth of 30.1% and earnings growth of 45.9% indicate a sustained expansion of the top and bottom line over the medium term.
- +Profit margin of 21.6% is consistent with a capital-light, fee-based analytics and ratings business model.
- +Free cash flow was positive in 4 of the tracked years, and ROE exceeded 15% in 4 of the tracked years, indicating recurring returns on equity above a commonly used threshold.
- +Quality score of 60 ranks 1st of 6 within the assigned Banking sector peer group, and the forward PE of 27.6 represents a compression from the trailing PE of 36.2, implying analyst earnings growth expectations are priced in at a lower multiple than current earnings suggest.
Weaknesses
- −The stock is 31.2% below its 52-week high, down 9.0% year-over-year and 10.4% over the past 3 months, and has been trading below the 200-day moving average (₹4,601) for a sustained period.
- −Debt-to-equity of 9.79 is the highest in the 6-stock peer comparison set; while financial firms carry structural leverage, this level warrants monitoring in the context of a rising debt trend flagged in the persistence data.
- −Current-year ROE is not available in the dataset, making it impossible to assess whether the historical ROE persistence (4 years above 15%) has continued into the most recent period.
- −Analyst coverage is very sparse — only 2 analysts tracked with no consensus rating reported — meaning there is limited external monitoring of the stock relative to larger-cap peers.
Open questions
- ?Does the 45.9% earnings CAGR over 5 years reflect a durable structural competitive advantage in the ratings and analytics industry, or is it partly attributable to a cyclical expansion in credit market activity that may moderate?
- ?How does CRISIL's debt-to-equity of 9.79 compare when benchmarked specifically against ratings and analytics peers globally, given that the assigned Banking sector peer group may not be the most relevant comparator?
- ?What explains the 31.2% drawdown from the 52-week high in the context of positive earnings growth and constructive news sentiment — is this a valuation re-rating, a liquidity event, or a sector-rotation dynamic?
- ?Given the rising debt trend flagged in the persistence data and the sequential Q4 profit dip, what is the trajectory of free cash flow and interest coverage over the next reported periods?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CRISIL | CRISIL Ltd.You're viewing | 36.2 | — | 60 |
| Industry avg | across 5 peers | 32.8 | +14.2% | 38 |
| BAJFINANCE | Bajaj Finance Ltd. | 31.3 | +17.9% | 51 |
| AXISBANK | Axis Bank Ltd. | 15.0 | +13.2% | 50 |
| HDFCBANK | HDFC Bank Ltd. | 17.4 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 30.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 69.7 | +11.3% | 20 |
Technical state
Current price
₹4,162.30
SMA 50
₹4,139.19
SMA 200
₹4,601.15
RSI (14)
48.4 (neutral)
From 52w high
-31.2%
1Y return
-9.0%
3M return
-10.4%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumStock is 9.0% lower year-over-year and 10.4% lower over the past 3 months, currently trading below the 200-day moving average (SMA200: ₹4,601; current: ₹4,162), a position it has maintained while the 52-week drawdown stands at -31.2%.
- mediumDebt-to-equity of 9.79 is materially elevated. While financial-sector firms typically carry higher leverage, this figure stands at the highest among the 6 peers in the Banking sector comparison set, which ranges from 0 to approximately 9.8.
- mediumROE data is unavailable for CRISIL in the current dataset; the persistence block shows ROE above 15% in 4 of available years, but the missing current ROE figure limits direct like-for-like comparison against sector peers whose ROE ranges from 11.3% (HDFC Life) to 17.9% (Bajaj Finance).
- lowAnalyst coverage is very thin: only 2 analysts tracked with no consensus rating reported. This limits the reliability of any sell-side data point for this stock.
- lowCRISIL is classified in the Banking sector peer group yet operates as a ratings and analytics firm; peers include large commercial banks and insurance companies. Quality score of 60 ranks 1st of 6 in this peer set, but the sector grouping mismatch means peer comparisons on PE and ROE carry limited interpretive weight.
Cross-section contradictions
- Revenue has grown 30.1% and earnings 45.9% over 5 years with positive FCF in 4 of available years, yet the stock is down 9% year-over-year and sits 31.2% below its 52-week high — a divergence between underlying business trajectory and recent price action that is not explained by any negative news catalyst in the available data (8 headlines: 4 positive, 3 neutral, 1 negative).
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 11 May 2026 · rotates through NIFTY 500 every ~5 days