CRISIL Ltd.
Banking · NSE
52-week range
₹3,678 – ₹6,052
From 52w high
-31.2%
RSI (14)
48.4
vs SMA 50 / 200
↑ 50 · ↓ 200
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.
- ✓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.
- ✗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.
- ·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.
- ?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?
PE
36.2
Forward PE
27.6
ROE
—
Profit margin
+21.6%
D/E
9.79
Dividend yield
+0.9%
Quality score
60/100
ROE 5y above 15%
4/5 yrs
FCF 5y positive
4/5 yrs
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.Analysis generated 11 May 2026.