Share Price and Basic Stock Data
Last Updated: January 29, 2026, 7:09 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, focusing on delivering financial services. As of the latest reporting, the company recorded a market capitalization of ₹831 Cr and a share price of ₹264. Revenue trends reveal significant volatility, with reported sales of ₹84 Cr for FY 2023, a decrease from ₹232 Cr in FY 2022. The company experienced a resurgence in sales during FY 2024, recording ₹409 Cr, although this still represents a decline compared to pre-pandemic levels. Quarterly sales figures further illustrate fluctuations; for instance, sales peaked at ₹111.64 Cr in June 2023 but later fell to ₹84.11 Cr in September 2023, showcasing the company’s inconsistent revenue generation capacity. The overall sales trajectory suggests challenges in maintaining stable revenue growth, a critical factor for investor assessment.
Profitability and Efficiency Metrics
Profitability metrics for VLS Finance Ltd indicate a mixed performance. The operating profit margin (OPM) stood at 47.01%, reflecting a strong capability to manage operational costs relative to sales. However, the net profit reported a loss of ₹20 Cr for FY 2025, marking a stark contrast to the previous year’s net profit of ₹324 Cr. The interest coverage ratio (ICR) was exceptionally high at 376.48x, indicating that the company is well-positioned to cover its interest obligations comfortably. However, the return on equity (ROE) of 1.70% and return on capital employed (ROCE) of 2.15% are considerably low, suggesting inefficiencies in generating returns from equity and capital investments when compared to typical industry benchmarks. Overall, while VLS Finance demonstrates operational efficiency, the profitability figures raise concerns regarding long-term financial health.
Balance Sheet Strength and Financial Ratios
The balance sheet of VLS Finance Ltd reveals a strong liquidity position, with borrowings reported at ₹0 Cr, showcasing a zero-debt status that enhances financial stability. The company’s reserves stood at ₹2,616 Cr, providing a significant cushion for operational flexibility and future investments. The current ratio is exceptionally high at 419.42x, indicating that the company is highly liquid and can meet its short-term liabilities. Furthermore, the price-to-book value (P/BV) ratio of 0.28x suggests the stock may be undervalued relative to its book value, potentially attracting value-focused investors. However, the asset turnover ratio of 0.03% indicates inefficiencies in utilizing assets to generate revenue, which may hinder growth prospects. Overall, while the balance sheet reflects strength in liquidity and capital reserves, operational efficiency remains a significant concern.
Shareholding Pattern and Investor Confidence
The shareholding pattern of VLS Finance Ltd indicates a strong promoter presence, with promoters holding 52.02% of the shares as of September 2025. This substantial stake can instill confidence among investors regarding the management’s commitment to the company. In contrast, foreign institutional investors (FIIs) hold a mere 1.91%, and domestic institutional investors (DIIs) have a negligible stake of 0.04%, suggesting limited institutional interest. The public’s shareholding stands at 46.01%, reflecting a moderate level of retail investor engagement. The total number of shareholders has declined to 26,759, indicating a potential concern regarding investor retention. Despite the robust promoter holding, the low institutional investment could signal hesitance from larger investors, possibly due to the company’s inconsistent financial performance.
Outlook, Risks, and Final Insight
Looking forward, VLS Finance Ltd faces a mixed outlook characterized by both opportunities and risks. The company’s high liquidity and zero debt position provide a solid foundation for potential growth initiatives. However, the volatility in revenue and profitability metrics raises significant concerns about sustainable growth. The ongoing operational inefficiencies reflected in low ROE and ROCE, alongside a declining number of shareholders, may hinder investor confidence. Additionally, the company’s dependency on fluctuating sales patterns poses a risk to future earnings stability. For VLS Finance to improve its market standing, it must focus on enhancing operational efficiency and stabilizing revenue streams. If successful, it could leverage its strong balance sheet to capitalize on growth opportunities, while failure to address these challenges could lead to further declines in investor sentiment and financial performance.
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 | 11.4 Cr. | 39.1 | 57.0/36.4 | 45.8 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,187 Cr. | 277 | 455/269 | 13.6 | 111 | 0.36 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 28.8 Cr. | 0.41 | 1.13/0.38 | 3.99 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.75 Cr. | 7.58 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 16.2 Cr. | 31.4 | 69.9/31.4 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,083.62 Cr | 1,255.15 | 76.91 | 4,368.01 | 0.38% | 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) (%) | 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.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
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: 76.91)
- 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 |
FAQ
What is the intrinsic value of VLS Finance Ltd?
VLS Finance Ltd's intrinsic value (as of 29 January 2026) is ₹70.20 which is 72.90% lower the current market price of ₹259.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹814 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 814 Cr..
What is the current Stock Price of VLS Finance Ltd as on 29 January 2026?
The current stock price of VLS Finance Ltd as on 29 January 2026 is ₹259.
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 .
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.