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VLS Finance Ltd (VLSFINANCE)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511333 NSE: VLSFINANCE Finance - Investment | Small Cap | VLS Finance Share Price

₹228.15 1.60 (0.71%)

As on 12-Jun'26 16:59

VLS Finance Ltd (VLSFINANCE)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511333 NSE: VLSFINANCE Finance - Investment | Small Cap | VLS Finance Share Price

₹228.15 1.60 (0.71%)

As on 12-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹716 Cr.
Current Price
₹228.2
52-Week Low / High
₹200 / 340
TTM EPS
₹6.3
Book Value per Share
₹550.3
P/E Ratio
36.12
Higher than its 5-year historical median
Industry PE
53.5
Price to Book (P/B)
0.41
In line with its 5-year historical median
EV/EBITDA
27.90
Higher than its 5-year historical median
Dividend Yield
0.74%
Profitability Efficiency
Return on Equity (ROE)
2.30%
Return on Capital Employed (ROCE)
2.87%
Return on Assets (ROA)
1.99%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-75.93%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
-1.22%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹35.1 Cr.
Reserves
₹1,695 Cr.
Equity
₹31.4 Cr.
Face Value
₹10
All Time Low / High
₹2.20 / 451.95

VLS Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is VLS Finance Ltd a good quality company?
VLS Finance Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does VLS Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of VLS Finance Ltd vs Industry Peers?
VLS Finance Ltd AUM CAGR is 14.35%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of VLS Finance Ltd?
Promoters hold 56.38% of the VLS Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of VLS Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 18.8% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
VLS Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)1,9132,6922,0932,9743,35421528675.740096.435
YoY Gr. Rt. %-40.7%-22.3%42.1%12.8%-93.6%33.1%-73.5%428.2%-75.9%-
Adj EPS (₹ ) 1.89.73.8-0.48.455.865.814.99213.36.3
YoY Gr. Rt. %-433%-60.4%-110.9%NA564.5%17.9%-77.4%518.1%-85.5%-
BVPS (₹ )56.264.767.3183.6230.7349.8442.2423.9577.3570.3550.3
YoY Gr. Rt. %-15.1%4.1%172.7%25.7%51.6%26.4%-4.2%36.2%-1.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)2.813.45.1-0.33.215.713.82.815.520

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-28.3%-50.8%-30.4%-75.9%
Adj EPS24.8%9.7%-41.3%-85.5%
BVPS29.4%19.9%8.9%-1.2%
Share Price 17.2% 11.5% 13.7% -10%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Margins
Net Profit Margin (%)0.41.40.7-0.11100.689.169.380.14756.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)3.316.15.8-0.34.119.216.63.318.32.31.1

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 1,9172,6922,0932,9743,35421528677411104
Interest Income1,9132,6922,0932,9743,3542152867640096
Other Income ⓘ 121142124526
Exceptional Items ⓘ 40000012117
Expenditure ⓘ + 1,9092,6302,0692,9863,3671320242947
Interest Expense ⓘ 2000000000
Operating Expenses ⓘ 1,9062,6282,0682,9723,3651118202421
Provisions 121142124526
Exceptional Items ⓘ 0-12-60000000
Profit Before Tax ⓘ 85118-11-122022675438156
Taxes ⓘ 1134-10-45-141216111
Profit After Tax 73715-2322162545232045
Adjusted EPS (₹)1.89.73.8-0.48.455.865.814.992.013.3
Dividend Payout Ratio (%)0%10.30%26%-238.40%17.90%2.70%2.30%10.10%2.70%11.30%

Valuation of VLS Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +2172502607108921,3521,7101,4932,0091,940
Share Capital ⓘ 39393939393939353534
Reserves ⓘ 1792112226718531,3141,6711,4581,9741,906
Short term borrowings17000001101
Long Term Borrowings234817225216282331259355225
Current Liabilities 185645358811
Trade Payables1012200001
Other Liabilities-18-0-1-2-3-0-1-1-0-2
Total Liabilities ⓘ 2583032839391,1131,6372,0461,7602,3722,176

Assets

Non Current Asset +2362902689121,0671,4301,8471,5712,1451,850
Loan Asset 0000000088
Other Non Current Asset ⓘ 2362902689121,0671,4301,8471,5712,1371,842
Current Asset +2213152746207199190227326
Current Investment0000000000
Other Current Asset2213152746207199190227326
Total Assets ⓘ 2583032839391,1131,6372,0461,7602,3722,176

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -5-12-16-22-9216022011202202
Cash Flow From Investing Activity ⓘ -8281626108-76-24023-207113
Cash Flow From Financing Activity ⓘ 14-17-0-5-5-6-6-68-13-44
Net Cash Flow ⓘ 1-1-1-01278-26-34-17272

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)1.809.703.80-0.408.4055.8065.8014.909213.30
DPS (₹)01111.501.501.501.502.501.50
BVPS (₹)56.264.767.3183.6230.7349.8442.2423.9577.3570.3

Performance Ratios

ROA (%)2.813.45.1-0.33.215.713.82.815.52.0
ROE (%)3.316.15.8-0.34.119.216.63.318.32.3
ROCE (%)4.521.07.2-2.3-1.518.017.43.421.82.9

Valuation Parameters

Price/Book(x)0.61.01.00.30.10.20.40.40.40.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

VLS Finance Ltd FAQs

The current trading price of VLS Finance on 12-Jun-2026 16:59 is ₹228.2.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Jun-2026 the market cap of VLS Finance stood at ₹715.9 Cr

The latest P/E ratio of VLS Finance as of 11-Jun-2026 is 36.12.

The latest P/B ratio of VLS Finance as of 11-Jun-2026 is 0.41.

The 52-week high of VLS Finance is ₹339.9 and the 52-week low is ₹200.2.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of VLS Finance is ₹35.11 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that VLS Finance Ltd is a average quality company.

The key valuation ratios of VLS Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of VLS Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About VLS Finance Ltd

VLS Finance, incorporated in January 1986, is the flagship company of the VLS Group. The company is a leading NBFC (Non Banking Finance Company) in the country.

The VLS Group is a multi-faceted multi-divisional integrated financial services group with major presence in almost all areas of financial services such as asset management, strategic private equity investments, arbitrage and many more.

The shares of the company are listed on Bombay Stock Exchange, National Stock Exchange of India, Calcutta Stock Exchange Association and Madras Stock Exchange.

VLS Finance operates subsidiaries namely VLS Investments, VLS Securities and VLS Asset Management.

Services

  • Investment Banking
  • Structured Finance
  • Corporate Consulting & Advisory Services
  • Stock Broking
  • Privatization & Infrastructure Finance
  • Proprietary Investments & Equity Research

The company caters to customers namely Ansal Properties, Relaxo Footwear, TV 18, Nucleus Software, Apollo Hospitals, Transport Corporation of India, Kothari Products, Sunair Hotels, Dabur, Liberty, Gati, Mirza, Kedia, Ganesh Polytex, Selan Exploration, Flex Group, Lakhani Shoes and many more.

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