VLS Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: September 18, 2025, 7:29 am

Quick Insight

VLS Finance Ltd, with a share price of 223 and a market cap of 777 Cr., exhibits a P/E ratio of 32.2, ROE of 1.69%, and ROCE of 2.15%. The company's high operating profit margin of 95% is notable, indicating efficient operations. With a net profit of 46 Cr. and healthy reserves of 2,438 Cr., VLS Finance has a strong financial position. The low P/BV ratio of 0.28x suggests the stock may be undervalued, while the comfortable interest coverage ratio of 376.48x reflects the firm's ability to meet debt obligations. Overall, VLS Finance Ltd presents an intriguing investment opportunity with solid fundamentals and room for growth.

Competitors of VLS Finance Ltd

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Quarterly Result

Last Updated: August 20, 2025, 1:20 am

Below is a detailed analysis of the quarterly data for VLS Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

• For Sales, as of Jun 2025, the value is 99.00 Cr.. The value appears strong and on an upward trend. It has increased from -49.00 Cr. (Mar 2025) to 99.00 Cr., marking an increase of 148.00 Cr..
• For Expenses, as of Jun 2025, the value is 5.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 1.00 Cr..
• For Operating Profit, as of Jun 2025, the value is 93.00 Cr.. The value appears strong and on an upward trend. It has increased from -54.00 Cr. (Mar 2025) to 93.00 Cr., marking an increase of 147.00 Cr..
• For OPM %, as of Jun 2025, the value is 95.00%. The value appears strong and on an upward trend. It has increased from 0.00% (Mar 2025) to 95.00%, marking an increase of 95.00%.
• For Other Income, as of Jun 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Mar 2025) to 2.00 Cr., marking a decrease of 1.00 Cr..
• For Interest, as of Jun 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 Depreciation, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
• For Profit before tax, as of Jun 2025, the value is 94.00 Cr.. The value appears strong and on an upward trend. It has increased from -53.00 Cr. (Mar 2025) to 94.00 Cr., marking an increase of 147.00 Cr..
• For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from -25.00% (Mar 2025) to 25.00%, marking an increase of 50.00%.
• For Net Profit, as of Jun 2025, the value is 71.00 Cr.. The value appears strong and on an upward trend. It has increased from -40.00 Cr. (Mar 2025) to 71.00 Cr., marking an increase of 111.00 Cr..
• For EPS in Rs, as of Jun 2025, the value is 20.45. The value appears strong and on an upward trend. It has increased from -11.45 (Mar 2025) to 20.45, marking an increase of 31.90.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Profit & Loss - Annual Report

Last Updated: July 22, 2025, 2:44 pm

Growth

Last Updated: September 5, 2025, 1:51 pm

Balance Sheet

Last Updated: July 25, 2025, 2:05 pm

Below is a detailed analysis of the balance sheet data for VLS Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

• For Equity Capital, as of Mar 2025, the value is 34.00 Cr.. The value appears to be declining and may need further review. It has decreased from 35.00 Cr. (Mar 2024) to 34.00 Cr., marking a decrease of 1.00 Cr..
• For Reserves, as of Mar 2025, the value is 2,438.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,948.00 Cr. (Mar 2024) to 2,438.00 Cr., marking a decrease of 510.00 Cr..
• For Borrowings, as of Mar 2025, the value is 1.00 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 0.00 Cr. (Mar 2024) to 1.00 Cr., marking an increase of 1.00 Cr..
• For Other Liabilities, as of Mar 2025, the value is 238.00 Cr.. The value appears to be improving (decreasing). It has decreased from 570.00 Cr. (Mar 2024) to 238.00 Cr., marking a decrease of 332.00 Cr..
• For Total Liabilities, as of Mar 2025, the value is 2,711.00 Cr.. The value appears to be improving (decreasing). It has decreased from 3,552.00 Cr. (Mar 2024) to 2,711.00 Cr., marking a decrease of 841.00 Cr..
• For Fixed Assets, as of Mar 2025, the value is 126.00 Cr.. The value appears to be declining and may need further review. It has decreased from 130.00 Cr. (Mar 2024) to 126.00 Cr., marking a decrease of 4.00 Cr..
• For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
• For Investments, as of Mar 2025, the value is 2,211.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,158.00 Cr. (Mar 2024) to 2,211.00 Cr., marking a decrease of 947.00 Cr..
• For Other Assets, as of Mar 2025, the value is 373.00 Cr.. The value appears strong and on an upward trend. It has increased from 264.00 Cr. (Mar 2024) to 373.00 Cr., marking an increase of 109.00 Cr..
• For Total Assets, as of Mar 2025, the value is 2,711.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,552.00 Cr. (Mar 2024) to 2,711.00 Cr., marking a decrease of 841.00 Cr..

Notably, the Reserves (2,438.00 Cr.) exceed the Borrowings (1.00 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

Free Cash Flow

Share Holding Pattern

Key Financial Ratios

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.

Fair Value

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Strength and Weakness