CSLFINANCE

What CSL Finance promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q4 FY26

what the last two calls moved 11 tracked 1 delivered 4 missed 6 open
  • AUM Growth delivered said Q4 FY25 Promised: 20-25% bare minimum growth which we should be targeting Q4 FY26: AUM grew 21% YoY for FY26, meeting the lower end of the guided range.
  • SME Retail Growth missed said Q4 FY25 Promised: 30-40% year on year growth Q4 FY26: Management stated SME has 'not grown in last 12-15 months' and performance 'fell short of growth ambitions', indicating the YoY growth target for FY26 was not met.
  • SME Retail AUM Mix at risk said Q4 FY25 Promised: 50 to 60% in next 18 to 24 months Q4 FY26: SME retail mix declined to 31% of AUM. Management acknowledged 'underwhelming' performance and significant headwinds.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 11 tracked commitments for CSL Finance — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens