Share Price and Basic Stock Data
Last Updated: December 30, 2025, 7:47 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
VLS Finance Ltd operates within the Finance & Investments sector, with its stock currently priced at ₹293 and a market capitalization of ₹998 Cr. The company reported sales of ₹84 Cr for the year ending March 2023, a significant decline from its previous year revenue of ₹232 Cr. However, it rebounded with sales of ₹409 Cr in the fiscal year ending March 2024. This indicates a recovery trajectory, although the trailing twelve months (TTM) sales stood at only ₹3 Cr, suggesting volatility in revenue generation. Quarterly sales have shown fluctuations, with the highest recorded at ₹130.31 Cr in June 2024, followed by a dip to ₹79.18 Cr in September 2024 and a drastic decline of ₹57.80 Cr in December 2024. Such erratic sales patterns highlight the company’s sensitivity to market conditions and operational challenges. Overall, while VLS Finance has shown resilience in some quarters, its revenue trends reflect a need for consistent performance to build investor confidence.
Profitability and Efficiency Metrics
VLS Finance’s profitability metrics present a mixed picture. The company recorded an operating profit margin (OPM) of 47.01% as of the latest reported quarter, which is commendably high and indicates effective cost management. However, the net profit for the year ending March 2023 was reported at a loss of ₹20 Cr, and the trailing twelve months (TTM) net profit stood at a negative ₹20 Cr, demonstrating challenges in sustaining profitability. The interest coverage ratio (ICR) is remarkably high at 376.48x, showcasing the company’s ability to cover interest expenses multiple times over, which is a strength. Nonetheless, the return on equity (ROE) of 1.70% and return on capital employed (ROCE) of 2.15% are considerably low, suggesting that the company is not effectively utilizing its capital to generate profits. The profitability metrics, while showing potential, require improvement to align with industry standards, where higher ROE and ROCE are generally expected.
Balance Sheet Strength and Financial Ratios
The balance sheet of VLS Finance reflects a robust financial position with total reserves reported at ₹2,616 Cr and no borrowings, which indicates a debt-free status. This is a significant advantage, as it reduces financial risk and interest obligations. The company’s current ratio stands at an impressive 419.42x, far exceeding typical sector benchmarks, indicating strong liquidity and the ability to meet short-term liabilities. Furthermore, the price to book value (P/BV) ratio is low at 0.28x, suggesting that the stock may be undervalued compared to its book value, which may attract value investors. However, the asset turnover ratio is low at 0.03%, indicating inefficiencies in asset utilization to generate sales. The combination of high liquidity, low debt, and a low P/BV ratio presents a strong balance sheet, but the low asset turnover raises concerns about operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of VLS Finance indicates a significant promoter holding of 52.02%, reflecting strong control by the founders or management. The presence of institutional investors is minimal, with Foreign Institutional Investors (FIIs) holding 1.91% and Domestic Institutional Investors (DIIs) at a mere 0.04%. This low institutional participation may suggest a lack of confidence from professional investors, which could impact the stock’s liquidity and market perception. The public shareholding stands at 46.01%, indicating a reasonably diversified ownership structure. Over the past year, the number of shareholders has decreased from 30,290 in December 2022 to 26,759 in September 2025, which could signal declining interest or confidence among retail investors. While strong promoter holdings can provide stability, the low institutional interest may hinder broader market support for the stock.
Outlook, Risks, and Final Insight
Looking ahead, VLS Finance faces both opportunities and risks. The company’s strong liquidity position and high OPM present a solid foundation for operational improvements and strategic investments. However, the inconsistent revenue trends and low profitability ratios pose significant risks that need to be addressed. The potential for growth exists if the company can stabilize its sales and enhance its operational efficiency. Moreover, investor confidence could improve with better financial performance and increased institutional participation. Risks from market volatility and operational inefficiencies could threaten future performance. The company must focus on optimizing its asset utilization and maintaining a consistent revenue stream to enhance its market position. In conclusion, while VLS Finance has strengths in its balance sheet and profitability potential, addressing its operational challenges will be crucial for long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.2 Cr. | 41.5 | 67.7/36.4 | 48.6 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,402 Cr. | 302 | 484/280 | 15.4 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 29.5 Cr. | 0.42 | 1.83/0.38 | 4.09 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.04 Cr. | 10.2 | 11.9/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.7 Cr. | 40.3 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,175.59 Cr | 1,366.04 | 80.62 | 3,844.57 | 0.36% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 79.84 | 70.87 | -14.96 | 111.64 | 84.11 | 113.20 | 98.08 | 130.31 | 79.18 | -57.80 | -48.68 | 98.57 | 10.53 |
| Expenses | 4.66 | 4.42 | 9.12 | 6.42 | 6.26 | 5.91 | 7.46 | 7.06 | 17.07 | 15.25 | 5.70 | 5.08 | 5.58 |
| Operating Profit | 75.18 | 66.45 | -24.08 | 105.22 | 77.85 | 107.29 | 90.62 | 123.25 | 62.11 | -73.05 | -54.38 | 93.49 | 4.95 |
| OPM % | 94.16% | 93.76% | 94.25% | 92.56% | 94.78% | 92.39% | 94.58% | 78.44% | 94.85% | 47.01% | |||
| Other Income | 0.67 | 0.17 | 1.29 | 1.52 | 5.64 | 1.55 | 2.47 | 1.69 | 3.64 | -2.90 | 2.63 | 1.80 | 2.97 |
| Interest | 0.09 | 0.03 | 0.02 | 0.04 | 0.05 | 0.07 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
| Depreciation | 1.08 | 0.78 | 1.43 | 1.42 | 1.37 | 1.34 | 1.57 | 1.26 | 1.04 | 1.08 | 1.07 | 0.94 | 0.89 |
| Profit before tax | 74.68 | 65.81 | -24.24 | 105.28 | 82.07 | 107.43 | 91.46 | 123.63 | 64.67 | -77.07 | -52.86 | 94.31 | 6.99 |
| Tax % | 16.91% | 19.36% | -35.11% | 12.66% | 14.37% | 18.03% | 19.02% | 24.57% | 20.97% | -24.34% | -24.65% | 24.57% | -1.57% |
| Net Profit | 62.05 | 53.07 | -15.73 | 91.95 | 70.28 | 88.05 | 74.06 | 93.24 | 51.10 | -58.31 | -39.83 | 71.15 | 7.10 |
| EPS in Rs | 16.05 | 13.73 | -4.07 | 26.43 | 20.20 | 25.30 | 21.28 | 26.80 | 15.02 | -17.14 | -11.71 | 20.92 | 2.09 |
Last Updated: December 28, 2025, 1:34 pm
Below is a detailed analysis of the quarterly data for VLS Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 10.53 Cr.. The value appears to be declining and may need further review. It has decreased from 98.57 Cr. (Jun 2025) to 10.53 Cr., marking a decrease of 88.04 Cr..
- For Expenses, as of Sep 2025, the value is 5.58 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5.08 Cr. (Jun 2025) to 5.58 Cr., marking an increase of 0.50 Cr..
- For Operating Profit, as of Sep 2025, the value is 4.95 Cr.. The value appears to be declining and may need further review. It has decreased from 93.49 Cr. (Jun 2025) to 4.95 Cr., marking a decrease of 88.54 Cr..
- For OPM %, as of Sep 2025, the value is 47.01%. The value appears to be declining and may need further review. It has decreased from 94.85% (Jun 2025) to 47.01%, marking a decrease of 47.84%.
- For Other Income, as of Sep 2025, the value is 2.97 Cr.. The value appears strong and on an upward trend. It has increased from 1.80 Cr. (Jun 2025) to 2.97 Cr., marking an increase of 1.17 Cr..
- For Interest, as of Sep 2025, the value is 0.04 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.04 Cr..
- For Depreciation, as of Sep 2025, the value is 0.89 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.94 Cr. (Jun 2025) to 0.89 Cr., marking a decrease of 0.05 Cr..
- For Profit before tax, as of Sep 2025, the value is 6.99 Cr.. The value appears to be declining and may need further review. It has decreased from 94.31 Cr. (Jun 2025) to 6.99 Cr., marking a decrease of 87.32 Cr..
- For Tax %, as of Sep 2025, the value is -1.57%. The value appears to be improving (decreasing) as expected. It has decreased from 24.57% (Jun 2025) to -1.57%, marking a decrease of 26.14%.
- For Net Profit, as of Sep 2025, the value is 7.10 Cr.. The value appears to be declining and may need further review. It has decreased from 71.15 Cr. (Jun 2025) to 7.10 Cr., marking a decrease of 64.05 Cr..
- For EPS in Rs, as of Sep 2025, the value is 2.09. The value appears to be declining and may need further review. It has decreased from 20.92 (Jun 2025) to 2.09, marking a decrease of 18.83.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:24 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,817 | 4,625 | 1,915 | 2,694 | 2,162 | 15 | 36 | 222 | 232 | 84 | 409 | 101 | 3 |
| Expenses | 3,812 | 4,617 | 1,907 | 2,631 | 2,132 | 28 | 39 | 14 | 21 | 22 | 26 | 45 | 32 |
| Operating Profit | 5 | 8 | 7 | 63 | 30 | -12 | -4 | 209 | 212 | 62 | 383 | 56 | -29 |
| OPM % | 0% | 0% | 0% | 2% | 1% | -82% | -10% | 94% | 91% | 74% | 94% | 55% | -1,106% |
| Other Income | 0 | 1 | 5 | -5 | -0 | 0 | 0 | 0 | -0 | 0 | 9 | 7 | 4 |
| Interest | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 4 | 6 | 4 | 4 |
| Profit before tax | 4 | 8 | 10 | 58 | 30 | -13 | -5 | 208 | 210 | 58 | 386 | 58 | -29 |
| Tax % | 16% | 10% | 10% | 23% | 15% | -68% | -914% | -7% | -0% | 4% | 16% | 21% | |
| Net Profit | 4 | 7 | 9 | 44 | 25 | -4 | 39 | 221 | 210 | 56 | 324 | 46 | -20 |
| EPS in Rs | 0.96 | 1.84 | 2.29 | 11.43 | 6.51 | -1.08 | 10.15 | 57.25 | 54.37 | 14.48 | 93.21 | 13.58 | -5.84 |
| Dividend Payout % | -0% | -0% | -0% | 9% | 15% | -93% | 15% | 3% | 3% | -0% | 3% | 11% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 75.00% | 28.57% | 388.89% | -43.18% | -116.00% | 1075.00% | 466.67% | -4.98% | -73.33% | 478.57% | -85.80% |
| Change in YoY Net Profit Growth (%) | 0.00% | -46.43% | 360.32% | -432.07% | -72.82% | 1191.00% | -608.33% | -471.64% | -68.36% | 551.90% | -564.37% |
VLS Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -32% |
| 5 Years: | 24% |
| 3 Years: | -24% |
| TTM: | -83% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 3% |
| 3 Years: | -40% |
| TTM: | -93% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 32% |
| 3 Years: | 16% |
| 1 Year: | -45% |
| Return on Equity | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 7% |
| 3 Years: | 5% |
| Last Year: | 2% |
Last Updated: September 5, 2025, 1:51 pm
Balance Sheet
Last Updated: December 4, 2025, 2:12 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 35 | 35 | 34 | 34 |
| Reserves | 166 | 195 | 204 | 243 | 264 | 1,247 | 1,713 | 2,393 | 2,927 | 2,465 | 2,948 | 2,438 | 2,616 |
| Borrowings | 0 | 1 | 17 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | 0 |
| Other Liabilities | 33 | 33 | 24 | 41 | 10 | 350 | 438 | 637 | 719 | 562 | 570 | 238 | 290 |
| Total Liabilities | 238 | 267 | 283 | 323 | 313 | 1,636 | 2,189 | 3,068 | 3,685 | 3,063 | 3,552 | 2,711 | 2,940 |
| Fixed Assets | 7 | 7 | 1 | 11 | 10 | 10 | 10 | 9 | 28 | 92 | 130 | 126 | 125 |
| CWIP | 0 | 0 | 0 | 0 | 2 | 4 | 7 | 9 | 0 | 0 | 0 | 0 | 0 |
| Investments | 168 | 211 | 240 | 273 | 256 | 1,571 | 2,041 | 2,803 | 3,434 | 2,751 | 3,158 | 2,211 | 2,645 |
| Other Assets | 63 | 49 | 42 | 40 | 44 | 51 | 132 | 247 | 223 | 221 | 264 | 373 | 171 |
| Total Assets | 238 | 267 | 283 | 323 | 313 | 1,636 | 2,189 | 3,068 | 3,685 | 3,063 | 3,552 | 2,711 | 2,940 |
Below is a detailed analysis of the balance sheet data for VLS Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 34.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 34.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,616.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,438.00 Cr. (Mar 2025) to 2,616.00 Cr., marking an increase of 178.00 Cr..
- For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 1.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 290.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 238.00 Cr. (Mar 2025) to 290.00 Cr., marking an increase of 52.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 2,940.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,711.00 Cr. (Mar 2025) to 2,940.00 Cr., marking an increase of 229.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 125.00 Cr.. The value appears to be declining and may need further review. It has decreased from 126.00 Cr. (Mar 2025) to 125.00 Cr., marking a decrease of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 2,645.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,211.00 Cr. (Mar 2025) to 2,645.00 Cr., marking an increase of 434.00 Cr..
- For Other Assets, as of Sep 2025, the value is 171.00 Cr.. The value appears to be declining and may need further review. It has decreased from 373.00 Cr. (Mar 2025) to 171.00 Cr., marking a decrease of 202.00 Cr..
- For Total Assets, as of Sep 2025, the value is 2,940.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,711.00 Cr. (Mar 2025) to 2,940.00 Cr., marking an increase of 229.00 Cr..
Notably, the Reserves (2,616.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 5.00 | 7.00 | -10.00 | 63.00 | 30.00 | -12.00 | -4.00 | 209.00 | 211.00 | 61.00 | 383.00 | 55.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 2 | 0 | 1 | 0 | 0 | 27 | 30 | 3 | 2 | 79 | 15 | 3 |
| Inventory Days | 0 | 1 | 1 | 1 | 2 | |||||||
| Days Payable | 0 | 0 | 0 | 0 | 1 | |||||||
| Cash Conversion Cycle | 2 | 1 | 2 | 1 | 1 | 27 | 30 | 3 | 2 | 79 | 15 | 3 |
| Working Capital Days | 4 | 2 | 1 | 1 | 2 | 272 | 984 | 207 | 200 | 625 | 180 | 53 |
| ROCE % | 2% | 4% | 3% | 26% | 12% | -2% | -0% | 10% | 8% | 2% | 14% | 2% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 13.44 | 93.07 | 14.49 | 54.37 | 57.26 |
| Diluted EPS (Rs.) | 13.44 | 93.07 | 14.49 | 54.37 | 57.26 |
| Cash EPS (Rs.) | 14.84 | 94.52 | 17.04 | 54.58 | 57.27 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 724.23 | 854.18 | 707.37 | 764.57 | 627.84 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 724.23 | 854.18 | 707.37 | 764.57 | 627.84 |
| Revenue From Operations / Share (Rs.) | 30.18 | 116.56 | 23.21 | 59.13 | 57.24 |
| PBDIT / Share (Rs.) | 18.45 | 112.30 | 17.66 | 54.54 | 53.80 |
| PBIT / Share (Rs.) | 17.15 | 110.67 | 16.46 | 54.16 | 53.59 |
| PBT / Share (Rs.) | 17.10 | 110.61 | 16.41 | 54.15 | 53.59 |
| Net Profit / Share (Rs.) | 13.54 | 92.88 | 15.83 | 54.20 | 57.08 |
| NP After MI And SOA / Share (Rs.) | 13.54 | 92.88 | 15.83 | 54.20 | 57.07 |
| PBDIT Margin (%) | 61.13 | 96.34 | 76.09 | 92.23 | 93.98 |
| PBIT Margin (%) | 56.81 | 94.94 | 70.89 | 91.59 | 93.63 |
| PBT Margin (%) | 56.64 | 94.89 | 70.71 | 91.57 | 93.62 |
| Net Profit Margin (%) | 44.84 | 79.68 | 68.20 | 91.66 | 99.71 |
| NP After MI And SOA Margin (%) | 44.84 | 79.68 | 68.20 | 91.65 | 99.71 |
| Return on Networth / Equity (%) | 1.86 | 10.87 | 2.23 | 7.08 | 9.10 |
| Return on Capital Employeed (%) | 2.16 | 10.89 | 1.90 | 5.71 | 6.77 |
| Return On Assets (%) | 1.70 | 9.12 | 1.82 | 5.70 | 7.21 |
| Asset Turnover Ratio (%) | 0.03 | 0.12 | 0.02 | 0.11 | 0.11 |
| Current Ratio (X) | 419.42 | 792.10 | 663.73 | 406.72 | 1676.18 |
| Quick Ratio (X) | 419.42 | 792.10 | 663.73 | 406.72 | 1676.18 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 1.60 | 10.36 | 2.75 | 2.61 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 1.58 | 9.62 | 2.73 | 2.61 |
| Earning Retention Ratio (%) | 0.00 | 98.40 | 89.64 | 97.25 | 97.39 |
| Cash Earning Retention Ratio (%) | 0.00 | 98.42 | 90.38 | 97.27 | 97.39 |
| Interest Coverage Ratio (X) | 376.48 | 1907.30 | 410.53 | 6528.63 | 5534.30 |
| Interest Coverage Ratio (Post Tax) (X) | 277.18 | 1578.50 | 368.99 | 6489.41 | 5872.71 |
| Enterprise Value (Cr.) | 358.03 | 801.06 | 466.64 | 542.40 | 212.02 |
| EV / Net Operating Revenue (X) | 3.48 | 1.97 | 5.69 | 2.37 | 0.95 |
| EV / EBITDA (X) | 5.68 | 2.04 | 7.47 | 2.56 | 1.02 |
| MarketCap / Net Operating Revenue (X) | 6.75 | 2.07 | 6.41 | 2.70 | 1.43 |
| Retention Ratios (%) | 0.00 | 98.39 | 89.63 | 97.24 | 97.38 |
| Price / BV (X) | 0.28 | 0.28 | 0.21 | 0.20 | 0.13 |
| Price / Net Operating Revenue (X) | 6.75 | 2.07 | 6.41 | 2.70 | 1.43 |
| EarningsYield | 0.06 | 0.38 | 0.10 | 0.33 | 0.69 |
After reviewing the key financial ratios for VLS Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 13.44. This value is within the healthy range. It has decreased from 93.07 (Mar 24) to 13.44, marking a decrease of 79.63.
- For Diluted EPS (Rs.), as of Mar 25, the value is 13.44. This value is within the healthy range. It has decreased from 93.07 (Mar 24) to 13.44, marking a decrease of 79.63.
- For Cash EPS (Rs.), as of Mar 25, the value is 14.84. This value is within the healthy range. It has decreased from 94.52 (Mar 24) to 14.84, marking a decrease of 79.68.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 724.23. It has decreased from 854.18 (Mar 24) to 724.23, marking a decrease of 129.95.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 724.23. It has decreased from 854.18 (Mar 24) to 724.23, marking a decrease of 129.95.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 30.18. It has decreased from 116.56 (Mar 24) to 30.18, marking a decrease of 86.38.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 18.45. This value is within the healthy range. It has decreased from 112.30 (Mar 24) to 18.45, marking a decrease of 93.85.
- For PBIT / Share (Rs.), as of Mar 25, the value is 17.15. This value is within the healthy range. It has decreased from 110.67 (Mar 24) to 17.15, marking a decrease of 93.52.
- For PBT / Share (Rs.), as of Mar 25, the value is 17.10. This value is within the healthy range. It has decreased from 110.61 (Mar 24) to 17.10, marking a decrease of 93.51.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 13.54. This value is within the healthy range. It has decreased from 92.88 (Mar 24) to 13.54, marking a decrease of 79.34.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 13.54. This value is within the healthy range. It has decreased from 92.88 (Mar 24) to 13.54, marking a decrease of 79.34.
- For PBDIT Margin (%), as of Mar 25, the value is 61.13. This value is within the healthy range. It has decreased from 96.34 (Mar 24) to 61.13, marking a decrease of 35.21.
- For PBIT Margin (%), as of Mar 25, the value is 56.81. This value exceeds the healthy maximum of 20. It has decreased from 94.94 (Mar 24) to 56.81, marking a decrease of 38.13.
- For PBT Margin (%), as of Mar 25, the value is 56.64. This value is within the healthy range. It has decreased from 94.89 (Mar 24) to 56.64, marking a decrease of 38.25.
- For Net Profit Margin (%), as of Mar 25, the value is 44.84. This value exceeds the healthy maximum of 10. It has decreased from 79.68 (Mar 24) to 44.84, marking a decrease of 34.84.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 44.84. This value exceeds the healthy maximum of 20. It has decreased from 79.68 (Mar 24) to 44.84, marking a decrease of 34.84.
- For Return on Networth / Equity (%), as of Mar 25, the value is 1.86. This value is below the healthy minimum of 15. It has decreased from 10.87 (Mar 24) to 1.86, marking a decrease of 9.01.
- For Return on Capital Employeed (%), as of Mar 25, the value is 2.16. This value is below the healthy minimum of 10. It has decreased from 10.89 (Mar 24) to 2.16, marking a decrease of 8.73.
- For Return On Assets (%), as of Mar 25, the value is 1.70. This value is below the healthy minimum of 5. It has decreased from 9.12 (Mar 24) to 1.70, marking a decrease of 7.42.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.03. It has decreased from 0.12 (Mar 24) to 0.03, marking a decrease of 0.09.
- For Current Ratio (X), as of Mar 25, the value is 419.42. This value exceeds the healthy maximum of 3. It has decreased from 792.10 (Mar 24) to 419.42, marking a decrease of 372.68.
- For Quick Ratio (X), as of Mar 25, the value is 419.42. This value exceeds the healthy maximum of 2. It has decreased from 792.10 (Mar 24) to 419.42, marking a decrease of 372.68.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 1.60 (Mar 24) to 0.00, marking a decrease of 1.60.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 1.58 (Mar 24) to 0.00, marking a decrease of 1.58.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 98.40 (Mar 24) to 0.00, marking a decrease of 98.40.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 98.42 (Mar 24) to 0.00, marking a decrease of 98.42.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 376.48. This value is within the healthy range. It has decreased from 1,907.30 (Mar 24) to 376.48, marking a decrease of 1,530.82.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 277.18. This value is within the healthy range. It has decreased from 1,578.50 (Mar 24) to 277.18, marking a decrease of 1,301.32.
- For Enterprise Value (Cr.), as of Mar 25, the value is 358.03. It has decreased from 801.06 (Mar 24) to 358.03, marking a decrease of 443.03.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.48. This value exceeds the healthy maximum of 3. It has increased from 1.97 (Mar 24) to 3.48, marking an increase of 1.51.
- For EV / EBITDA (X), as of Mar 25, the value is 5.68. This value is within the healthy range. It has increased from 2.04 (Mar 24) to 5.68, marking an increase of 3.64.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 6.75. This value exceeds the healthy maximum of 3. It has increased from 2.07 (Mar 24) to 6.75, marking an increase of 4.68.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 98.39 (Mar 24) to 0.00, marking a decrease of 98.39.
- For Price / BV (X), as of Mar 25, the value is 0.28. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.28.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 6.75. This value exceeds the healthy maximum of 3. It has increased from 2.07 (Mar 24) to 6.75, marking an increase of 4.68.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has decreased from 0.38 (Mar 24) to 0.06, marking a decrease of 0.32.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in VLS Finance Ltd:
- Net Profit Margin: 44.84%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 2.16% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 1.86% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 277.18
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 419.42
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 80.62)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 44.84%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance & Investments | Ground Floor, 90, Okhla New Delhi Delhi 110020 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Anoop Mishra | Chairman & Ind.Director |
| Mr. Gaurav Goel | Vice Chairman & Non Exe.Dire |
| Mr. S K Agarwal | Managing Director |
| Mr. Keshav Tandan | Executive Director |
| Mr. K K Soni | Director - Finance & CFO |
| Mr. D K Mehrotra | Independent Director |
| Mr. Adesh Kumar Jain | Independent Director |
| Mr. Najeeb Hamid Jung | Independent Director |
| Mrs. Neeraj Vinay Bansal | Independent Director |
| Mr. Shivesh Ram Mehrotra | Non Executive Director |
FAQ
What is the intrinsic value of VLS Finance Ltd?
VLS Finance Ltd's intrinsic value (as of 30 December 2025) is 159.73 which is 45.48% lower the current market price of 293.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 998 Cr. market cap, FY2025-2026 high/low of 388/187, reserves of ₹2,616 Cr, and liabilities of 2,940 Cr.
What is the Market Cap of VLS Finance Ltd?
The Market Cap of VLS Finance Ltd is 998 Cr..
What is the current Stock Price of VLS Finance Ltd as on 30 December 2025?
The current stock price of VLS Finance Ltd as on 30 December 2025 is 293.
What is the High / Low of VLS Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of VLS Finance Ltd stocks is 388/187.
What is the Stock P/E of VLS Finance Ltd?
The Stock P/E of VLS Finance Ltd is .
What is the Book Value of VLS Finance Ltd?
The Book Value of VLS Finance Ltd is 779.
What is the Dividend Yield of VLS Finance Ltd?
The Dividend Yield of VLS Finance Ltd is 0.51 %.
What is the ROCE of VLS Finance Ltd?
The ROCE of VLS Finance Ltd is 2.15 %.
What is the ROE of VLS Finance Ltd?
The ROE of VLS Finance Ltd is 1.70 %.
What is the Face Value of VLS Finance Ltd?
The Face Value of VLS Finance Ltd is 10.0.