VLS Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 2, 2025, 8:55 pm

Market Cap	739 Cr.
Current Price	212
High / Low	455/187
Stock P/E	4.62
Book Value	929
Dividend Yield	0.71 %
ROCE	14.1 %
ROE	11.8 %
Face Value	10.0
PEG Ratio	-1.08

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 of VLS Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
MKVentures Capital Ltd	567 Cr.	1,474	2,800/1,212	27.5	267	0.07 %	20.6 %	33.6 %	10.0
Modern Shares & Stockbrokers Ltd	14.6 Cr.	49.8	69.4/36.0	41.7	43.9	0.00 %	4.33 %	3.24 %	10.0
Monarch Networth Capital Ltd	2,644 Cr.	337	501/226	17.0	93.0	0.15 %	51.8 %	43.4 %	10.0
Monotype India Ltd	51.3 Cr.	0.73	2.42/0.60	6.42	0.13	0.00 %	438 %	%	1.00
Multipurpose Trading & Agencies Ltd	5.10 Cr.	10.3	13.3/7.93	26.8	10.2	0.00 %	4.44 %	3.91 %	10.0
Industry Average	6,854.22 Cr	1,387.69		86.07	5,208.09	0.37%	18.65%	17.36%	7.36

All Competitor Stocks of VLS Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Sales	18	31	-54	80	71	-15	112	84	113	98	130	79	-58
Expenses	5	4	4	5	4	9	6	6	6	7	7	17	15
Operating Profit	13	26	-57	75	66	-24	105	78	107	91	123	62	-73
OPM %	72%	86%		94%	94%		94%	93%	95%	92%	95%	78%
Other Income	0	0	0	1	0	1	2	6	2	2	2	4	-3
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	1	1	1	1	1	1	1	1	2	1	1	1
Profit before tax	13	26	-58	75	66	-24	105	82	107	91	124	65	-77
Tax %	-22%	-66%	-25%	17%	19%	-35%	13%	14%	18%	19%	25%	21%	-24%
Net Profit	15	43	-43	62	53	-16	92	70	88	74	93	51	-58
EPS in Rs	3.96	11.09	-11.23	16.05	13.73	-4.07	26.43	20.20	25.30	21.28	26.80	14.69	-16.76

Last Updated: February 28, 2025, 4:13 pm

Below is a detailed analysis of the quarterly data for VLS Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Sales, as of Dec 2024, the value is ₹-58.00 Cr.. The value appears to be declining and may need further review. It has decreased from 79.00 Cr. (Sep 2024) to ₹-58.00 Cr., marking a decrease of 137.00 Cr..
For Expenses, as of Dec 2024, the value is ₹15.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 17.00 Cr. (Sep 2024) to ₹15.00 Cr., marking a decrease of 2.00 Cr..
For Operating Profit, as of Dec 2024, the value is ₹-73.00 Cr.. The value appears to be declining and may need further review. It has decreased from 62.00 Cr. (Sep 2024) to ₹-73.00 Cr., marking a decrease of 135.00 Cr..
For OPM %, as of Dec 2024, the value is 0.00%. The value appears to be declining and may need further review. It has decreased from 78.00% (Sep 2024) to 0.00%, marking a decrease of 78.00%.
For Other Income, as of Dec 2024, the value is ₹-3.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4.00 Cr. (Sep 2024) to ₹-3.00 Cr., marking a decrease of 7.00 Cr..
For Interest, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹1.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹-77.00 Cr.. The value appears to be declining and may need further review. It has decreased from 65.00 Cr. (Sep 2024) to ₹-77.00 Cr., marking a decrease of 142.00 Cr..
For Tax %, as of Dec 2024, the value is -24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 21.00% (Sep 2024) to -24.00%, marking a decrease of 45.00%.
For Net Profit, as of Dec 2024, the value is ₹-58.00 Cr.. The value appears to be declining and may need further review. It has decreased from 51.00 Cr. (Sep 2024) to ₹-58.00 Cr., marking a decrease of 109.00 Cr..
For EPS in Rs, as of Dec 2024, the value is -16.76. The value appears to be declining and may need further review. It has decreased from 14.69 (Sep 2024) to -16.76, marking a decrease of 31.45.

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: March 6, 2025, 2:24 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Sales	2,323	3,817	4,625	1,915	2,694	2,162	15	36	222	232	84	412	250
Expenses	2,318	3,812	4,617	1,907	2,631	2,132	28	39	14	21	22	26	47
Operating Profit	4	5	8	7	63	30	-12	-4	209	212	62	386	203
OPM %	0%	0%	0%	0%	2%	1%	-82%	-10%	94%	91%	74%	94%	81%
Other Income	-0	0	1	5	-5	-0	0	0	0	0	0	6	5
Interest	0	0	0	2	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	1	1	1	1	1	4	6	5
Profit before tax	4	4	8	10	58	30	-13	-5	208	210	58	386	203
Tax %	49%	16%	10%	10%	23%	15%	-68%	-914%	-7%	-0%	4%	16%
Net Profit	2	4	7	9	44	25	-4	39	221	210	56	324	160
EPS in Rs	0.50	0.96	1.84	2.29	11.43	6.51	-1.08	10.15	57.25	54.37	14.48	93.21	46.01
Dividend Payout %	0%	0%	0%	0%	9%	15%	-93%	15%	3%	3%	9%	2%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	100.00%	75.00%	28.57%	388.89%	-43.18%	-116.00%	1075.00%	466.67%	-4.98%	-73.33%	478.57%
Change in YoY Net Profit Growth (%)	0.00%	-25.00%	-46.43%	360.32%	-432.07%	-72.82%	1191.00%	-608.33%	-471.64%	-68.36%	551.90%

VLS Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	-20%
5 Years:	94%
3 Years:	23%
TTM:	-15%

Compounded Profit Growth
10 Years:	56%
5 Years:	140%
3 Years:	14%
TTM:	-32%

Stock Price CAGR
10 Years:	19%
5 Years:	46%
3 Years:	6%
1 Year:	-15%

Return on Equity
10 Years:	7%
5 Years:	7%
3 Years:	7%
Last Year:	12%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 2:28 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	40	39	39	39	39	39	39	39	39	39	35	35	34
Reserves	163	166	195	204	243	264	1,247	1,713	2,393	2,927	2,465	2,948	3,200
Borrowings	0	0	1	17	0	0	0	0	0	1	1	0	0
Other Liabilities	28	33	33	24	41	10	350	438	637	719	562	570	639
Total Liabilities	231	238	267	283	323	313	1,636	2,189	3,068	3,685	3,063	3,552	3,873
Fixed Assets	7	7	7	1	11	10	10	10	9	28	92	130	128
CWIP	0	0	0	0	0	2	4	7	9	0	0	0	0
Investments	98	168	211	240	273	256	1,571	2,041	2,803	3,434	2,751	3,158	3,397
Other Assets	126	63	49	42	40	44	51	132	247	223	221	264	348
Total Assets	231	238	267	283	323	313	1,636	2,189	3,068	3,685	3,063	3,552	3,873

Below is a detailed analysis of the balance sheet data for VLS Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹3,200.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,948.00 Cr. (Mar 2024) to ₹3,200.00 Cr., marking an increase of 252.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹639.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 570.00 Cr. (Mar 2024) to ₹639.00 Cr., marking an increase of 69.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹3,873.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 3,552.00 Cr. (Mar 2024) to ₹3,873.00 Cr., marking an increase of 321.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹128.00 Cr.. The value appears to be declining and may need further review. It has decreased from 130.00 Cr. (Mar 2024) to ₹128.00 Cr., marking a decrease of 2.00 Cr..
For CWIP, as of Sep 2024, 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 Sep 2024, the value is ₹3,397.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,158.00 Cr. (Mar 2024) to ₹3,397.00 Cr., marking an increase of 239.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹348.00 Cr.. The value appears strong and on an upward trend. It has increased from 264.00 Cr. (Mar 2024) to ₹348.00 Cr., marking an increase of 84.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹3,873.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,552.00 Cr. (Mar 2024) to ₹3,873.00 Cr., marking an increase of 321.00 Cr..

Notably, the Reserves (₹3,200.00 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 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	22	0	-30	-17	-12	-21	-22	-104	166	165	7	194
Cash from Investing Activity +	-9	0	27	4	35	17	30	113	-72	-185	27	-197
Cash from Financing Activity +	-0	0	0	14	-17	-0	-5	-5	-6	-11	-68	-13
Net Cash Flow	13	0	-2	1	6	-4	3	4	88	-31	-34	-15

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	4.00	5.00	7.00	-10.00	63.00	30.00	-12.00	-4.00	209.00	211.00	61.00	386.00

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 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	13	2	0	1	0	0	27	30	3	2	79	16
Inventory Days	0	0	1	1	1	2
Days Payable	0	0	0	0	0	1
Cash Conversion Cycle	13	2	1	2	1	1	27	30	3	2	79	16
Working Capital Days	14	4	2	4	1	2	275	986	207	200	625	175
ROCE %	2%	2%	4%	3%	26%	12%	-2%	-0%	10%	8%	2%	14%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	45.76%	45.76%	45.76%	45.76%	50.22%	50.85%	50.85%	50.85%	50.85%	50.85%	52.02%	52.02%
FIIs	3.14%	3.06%	2.64%	2.12%	1.70%	0.37%	0.40%	0.52%	0.74%	1.06%	2.14%	2.03%
DIIs	0.08%	0.08%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%
Public	51.02%	51.10%	51.57%	52.09%	48.05%	48.76%	48.73%	48.61%	48.39%	48.05%	45.81%	45.91%
No. of Shareholders	30,089	30,282	30,252	30,290	27,634	27,183	27,166	27,067	27,480	28,041	29,252	28,564

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	93.07	14.49	54.37	57.26	10.15
Diluted EPS (Rs.)	93.07	14.49	54.37	57.26	10.15
Cash EPS (Rs.)	94.52	17.04	54.58	57.27	10.42
Book Value[Excl.RevalReserv]/Share (Rs.)	854.18	707.37	764.57	627.84	452.31
Book Value[Incl.RevalReserv]/Share (Rs.)	854.18	707.37	764.57	627.84	452.31
Revenue From Operations / Share (Rs.)	116.56	23.21	59.13	57.24	7.86
PBDIT / Share (Rs.)	112.30	17.66	54.54	53.80	-0.92
PBIT / Share (Rs.)	110.67	16.46	54.16	53.59	-1.23
PBT / Share (Rs.)	110.61	16.41	54.15	53.59	-1.24
Net Profit / Share (Rs.)	92.88	15.83	54.20	57.08	10.12
NP After MI And SOA / Share (Rs.)	92.88	15.83	54.20	57.07	10.12
PBDIT Margin (%)	96.34	76.09	92.23	93.98	-11.79
PBIT Margin (%)	94.94	70.89	91.59	93.63	-15.60
PBT Margin (%)	94.89	70.71	91.57	93.62	-15.82
Net Profit Margin (%)	79.68	68.20	91.66	99.71	128.70
NP After MI And SOA Margin (%)	79.68	68.20	91.65	99.71	128.68
Return on Networth / Equity (%)	10.87	2.23	7.08	9.10	2.24
Return on Capital Employeed (%)	10.89	1.90	5.71	6.77	-0.21
Return On Assets (%)	9.12	1.82	5.70	7.21	1.79
Asset Turnover Ratio (%)	0.12	0.02	0.11	0.11	0.02
Current Ratio (X)	792.10	663.73	406.72	1676.18	499.89
Quick Ratio (X)	792.10	663.73	406.72	1676.18	499.89
Dividend Payout Ratio (NP) (%)	1.60	10.36	2.75	2.61	9.85
Dividend Payout Ratio (CP) (%)	1.58	9.62	2.73	2.61	9.56
Earning Retention Ratio (%)	98.40	89.64	97.25	97.39	90.15
Cash Earning Retention Ratio (%)	98.42	90.38	97.27	97.39	90.44
Interest Coverage Ratio (X)	1907.30	410.53	6528.63	5534.30	-54.83
Interest Coverage Ratio (Post Tax) (X)	1578.50	368.99	6489.41	5872.71	599.34
Enterprise Value (Cr.)	801.06	466.64	542.40	212.02	105.95
EV / Net Operating Revenue (X)	1.97	5.69	2.37	0.95	3.47
EV / EBITDA (X)	2.04	7.47	2.56	1.02	-29.46
MarketCap / Net Operating Revenue (X)	2.07	6.41	2.70	1.43	4.09
Retention Ratios (%)	98.39	89.63	97.24	97.38	90.14
Price / BV (X)	0.28	0.21	0.20	0.13	0.07
Price / Net Operating Revenue (X)	2.07	6.41	2.70	1.43	4.09
EarningsYield	0.38	0.10	0.33	0.69	0.31

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 93.07. This value is within the healthy range. It has increased from 14.49 (Mar 23) to 93.07, marking an increase of 78.58.
For Diluted EPS (Rs.), as of Mar 24, the value is 93.07. This value is within the healthy range. It has increased from 14.49 (Mar 23) to 93.07, marking an increase of 78.58.
For Cash EPS (Rs.), as of Mar 24, the value is 94.52. This value is within the healthy range. It has increased from 17.04 (Mar 23) to 94.52, marking an increase of 77.48.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 854.18. It has increased from 707.37 (Mar 23) to 854.18, marking an increase of 146.81.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 854.18. It has increased from 707.37 (Mar 23) to 854.18, marking an increase of 146.81.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 116.56. It has increased from 23.21 (Mar 23) to 116.56, marking an increase of 93.35.
For PBDIT / Share (Rs.), as of Mar 24, the value is 112.30. This value is within the healthy range. It has increased from 17.66 (Mar 23) to 112.30, marking an increase of 94.64.
For PBIT / Share (Rs.), as of Mar 24, the value is 110.67. This value is within the healthy range. It has increased from 16.46 (Mar 23) to 110.67, marking an increase of 94.21.
For PBT / Share (Rs.), as of Mar 24, the value is 110.61. This value is within the healthy range. It has increased from 16.41 (Mar 23) to 110.61, marking an increase of 94.20.
For Net Profit / Share (Rs.), as of Mar 24, the value is 92.88. This value is within the healthy range. It has increased from 15.83 (Mar 23) to 92.88, marking an increase of 77.05.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 92.88. This value is within the healthy range. It has increased from 15.83 (Mar 23) to 92.88, marking an increase of 77.05.
For PBDIT Margin (%), as of Mar 24, the value is 96.34. This value is within the healthy range. It has increased from 76.09 (Mar 23) to 96.34, marking an increase of 20.25.
For PBIT Margin (%), as of Mar 24, the value is 94.94. This value exceeds the healthy maximum of 20. It has increased from 70.89 (Mar 23) to 94.94, marking an increase of 24.05.
For PBT Margin (%), as of Mar 24, the value is 94.89. This value is within the healthy range. It has increased from 70.71 (Mar 23) to 94.89, marking an increase of 24.18.
For Net Profit Margin (%), as of Mar 24, the value is 79.68. This value exceeds the healthy maximum of 10. It has increased from 68.20 (Mar 23) to 79.68, marking an increase of 11.48.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 79.68. This value exceeds the healthy maximum of 20. It has increased from 68.20 (Mar 23) to 79.68, marking an increase of 11.48.
For Return on Networth / Equity (%), as of Mar 24, the value is 10.87. This value is below the healthy minimum of 15. It has increased from 2.23 (Mar 23) to 10.87, marking an increase of 8.64.
For Return on Capital Employeed (%), as of Mar 24, the value is 10.89. This value is within the healthy range. It has increased from 1.90 (Mar 23) to 10.89, marking an increase of 8.99.
For Return On Assets (%), as of Mar 24, the value is 9.12. This value is within the healthy range. It has increased from 1.82 (Mar 23) to 9.12, marking an increase of 7.30.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.12. It has increased from 0.02 (Mar 23) to 0.12, marking an increase of 0.10.
For Current Ratio (X), as of Mar 24, the value is 792.10. This value exceeds the healthy maximum of 3. It has increased from 663.73 (Mar 23) to 792.10, marking an increase of 128.37.
For Quick Ratio (X), as of Mar 24, the value is 792.10. This value exceeds the healthy maximum of 2. It has increased from 663.73 (Mar 23) to 792.10, marking an increase of 128.37.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 1.60. This value is below the healthy minimum of 20. It has decreased from 10.36 (Mar 23) to 1.60, marking a decrease of 8.76.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 1.58. This value is below the healthy minimum of 20. It has decreased from 9.62 (Mar 23) to 1.58, marking a decrease of 8.04.
For Earning Retention Ratio (%), as of Mar 24, the value is 98.40. This value exceeds the healthy maximum of 70. It has increased from 89.64 (Mar 23) to 98.40, marking an increase of 8.76.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 98.42. This value exceeds the healthy maximum of 70. It has increased from 90.38 (Mar 23) to 98.42, marking an increase of 8.04.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1,907.30. This value is within the healthy range. It has increased from 410.53 (Mar 23) to 1,907.30, marking an increase of 1,496.77.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1,578.50. This value is within the healthy range. It has increased from 368.99 (Mar 23) to 1,578.50, marking an increase of 1,209.51.
For Enterprise Value (Cr.), as of Mar 24, the value is 801.06. It has increased from 466.64 (Mar 23) to 801.06, marking an increase of 334.42.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 1.97. This value is within the healthy range. It has decreased from 5.69 (Mar 23) to 1.97, marking a decrease of 3.72.
For EV / EBITDA (X), as of Mar 24, the value is 2.04. This value is below the healthy minimum of 5. It has decreased from 7.47 (Mar 23) to 2.04, marking a decrease of 5.43.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.07. This value is within the healthy range. It has decreased from 6.41 (Mar 23) to 2.07, marking a decrease of 4.34.
For Retention Ratios (%), as of Mar 24, the value is 98.39. This value exceeds the healthy maximum of 70. It has increased from 89.63 (Mar 23) to 98.39, marking an increase of 8.76.
For Price / BV (X), as of Mar 24, the value is 0.28. This value is below the healthy minimum of 1. It has increased from 0.21 (Mar 23) to 0.28, marking an increase of 0.07.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.07. This value is within the healthy range. It has decreased from 6.41 (Mar 23) to 2.07, marking a decrease of 4.34.
For EarningsYield, as of Mar 24, the value is 0.38. This value is below the healthy minimum of 5. It has increased from 0.10 (Mar 23) to 0.38, marking an increase of 0.28.

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 April 4, 2025 is: 408.04

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 April 4, 2025, VLS Finance Ltd is Undervalued by 92.47% compared to the current share price 212.00

Intrinsic Value of VLS Finance Ltd as of April 4, 2025 is: 390.59

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 April 4, 2025, VLS Finance Ltd is Undervalued by 84.24% compared to the current share price 212.00

Last 5 Year EPS CAGR: -4.28%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The company has higher reserves (1,394.46 cr) compared to borrowings (1.54 cr), indicating strong financial stability. The company has shown consistent growth in sales (97.31 cr) and profit (89.31 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 207.92, which may not be favorable. The stock has a high average Cash Conversion Cycle of 14.75, 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: 79.68%
  - 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: 10.89% (Industry Average ROCE: 18.65%)
  - 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%: 10.87% (Industry Average ROE: 17.36%)
  - 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): 1578.5
  - 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: 792.1
  - 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: 4.62 (Industry average Stock P/E: 86.07)
  - 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. 399.89 Cr. and Equity Capital is Rs. 34.92 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	Ground Floor, 90, Okhla New Delhi Delhi 110020	vls@vlsfinance.com http://www.vlsfinance.com

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 04 April 2025) is ₹408.04 — 92.47% higher the current market price of ₹212.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 739 Cr. market cap, FY2025-2026 high/low of ₹455/187, reserves of 3,200 Cr, and liabilities of 3,873 Cr.

What is the Market Cap of VLS Finance Ltd?

The Market Cap of VLS Finance Ltd is 739 Cr..

What is the current Stock Price of VLS Finance Ltd as on 04 April 2025?

The current stock price of VLS Finance Ltd as on 04 April 2025 is 212.

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 ₹455/187.

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

The Stock P/E of VLS Finance Ltd is 4.62.

What is the Book Value of VLS Finance Ltd?

The Book Value of VLS Finance Ltd is 929.

What is the Dividend Yield of VLS Finance Ltd?

The Dividend Yield of VLS Finance Ltd is 0.71 %.

What is the ROCE of VLS Finance Ltd?

The ROCE of VLS Finance Ltd is 14.1 %.

What is the ROE of VLS Finance Ltd?

The ROE of VLS Finance Ltd is 11.8 %.

What is the Face Value of VLS Finance Ltd?

The Face Value of VLS Finance Ltd is 10.0.