VLS Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 19, 2026, 12:12 pm

Market Cap	817 Cr.
Current Price	260
Intrinsic Value	₹67.86
High / Low	340/187
Stock P/E	14.5
Book Value	779
Dividend Yield	0.58 %
ROCE	2.15 %
ROE	1.70 %
Face Value	10.0
PEG Ratio	-0.26

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for VLS Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	11.0 Cr.	37.4	53.0/32.5	52.2	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,299 Cr.	290	399/265	14.3	111	0.34 %	33.3 %	26.2 %	10.0
Monotype India Ltd	32.3 Cr.	0.46	0.90/0.38	5.17	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.02 Cr.	8.12	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	14.6 Cr.	28.4	69.9/24.5		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	7,448.83 Cr	1,232.65		110.89	4,366.08	0.37%	21.71%	14.20%	7.23

All Competitor Stocks of VLS Finance Ltd

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.

Quarterly Chart

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%

Profit & Loss Yearly Chart

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.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-30	-17	-12	-21	-22	-104	166	165	7	194	200
Cash from Investing Activity +	27	4	35	17	30	113	-72	-185	27	-197	137
Cash from Financing Activity +	0	14	-17	-0	-5	-5	-6	-11	-68	-13	-44
Net Cash Flow	-2	1	6	-4	3	4	88	-31	-34	-15	293

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.

Free Cash Flow Chart

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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	45.76%	50.22%	50.85%	50.85%	50.85%	50.85%	50.85%	52.02%	52.02%	52.02%	52.02%	52.02%
FIIs	2.12%	1.70%	0.37%	0.40%	0.52%	0.74%	1.06%	2.14%	2.03%	1.99%	1.93%	1.91%
DIIs	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.04%	0.04%	0.04%
Public	52.09%	48.05%	48.76%	48.73%	48.61%	48.39%	48.05%	45.81%	45.91%	45.94%	46.01%	46.01%
No. of Shareholders	30,290	27,634	27,183	27,166	27,067	27,480	28,041	29,252	28,564	27,960	27,335	26,759

Shareholding Pattern Chart

No. of Shareholders

VLS Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

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) (%)	18.40	1.60	10.36	2.75	2.61
Dividend Payout Ratio (CP) (%)	16.78	1.58	9.62	2.73	2.61
Earning Retention Ratio (%)	81.60	98.40	89.64	97.25	97.39
Cash Earning Retention Ratio (%)	83.22	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 (%)	81.59	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 18.40. This value is below the healthy minimum of 20. It has increased from 1.60 (Mar 24) to 18.40, marking an increase of 16.80.
For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 16.78. This value is below the healthy minimum of 20. It has increased from 1.58 (Mar 24) to 16.78, marking an increase of 15.20.
For Earning Retention Ratio (%), as of Mar 25, the value is 81.60. This value exceeds the healthy maximum of 70. It has decreased from 98.40 (Mar 24) to 81.60, marking a decrease of 16.80.
For Cash Earning Retention Ratio (%), as of Mar 25, the value is 83.22. This value exceeds the healthy maximum of 70. It has decreased from 98.42 (Mar 24) to 83.22, marking a decrease of 15.20.
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 81.59. This value exceeds the healthy maximum of 70. It has decreased from 98.39 (Mar 24) to 81.59, marking a decrease of 16.80.
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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of VLS Finance Ltd as of February 19, 2026 is: ₹154.51

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of February 19, 2026, VLS Finance Ltd is Overvalued by 40.57% compared to the current share price ₹260.00

Intrinsic Value of VLS Finance Ltd as of February 19, 2026 is: ₹67.86

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of February 19, 2026, VLS Finance Ltd is Overvalued by 73.90% compared to the current share price ₹260.00

Last 5 Year EPS CAGR: -56.08%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has higher reserves (1,524.54 cr) compared to borrowings (1.62 cr), indicating strong financial stability. The company has shown consistent growth in sales (85.69 cr) and profit (75.62 cr) over the years.	The stock has a low average ROCE of 6.75%, which may not be favorable. The stock has a high average Working Capital Days of 210.92, which may not be favorable. The stock has a high average Cash Conversion Cycle of 13.83, which may not be favorable.

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:
1. 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.
2. 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.
3. 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.
4. 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.
5. 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.
6. Stock P/E: 14.5 (Industry average Stock P/E: 110.89)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

VLS Finance Ltd. is a Public Limited Listed company incorporated on 20/01/1986 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65910DL1986PLC023129 and registration number is 023129. Currently company belongs to the Industry of Finance & Investments. Company's Total Operating Revenue is Rs. 96.39 Cr. and Equity Capital is Rs. 34.13 Cr. for the Year ended 31/03/2025.

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

FAQ

What is the intrinsic value of VLS Finance Ltd?

VLS Finance Ltd's intrinsic value (as of 19 February 2026) is ₹67.86 which is 73.90% lower the current market price of ₹260.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹817 Cr. market cap, FY2025-2026 high/low of ₹340/187, 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 817 Cr..

What is the current Stock Price of VLS Finance Ltd as on 19 February 2026?

The current stock price of VLS Finance Ltd as on 19 February 2026 is ₹260.

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 ₹340/187.

What is the Stock P/E of VLS Finance Ltd?

The Stock P/E of VLS Finance Ltd is 14.5.

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 0.58 %.

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.