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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

₹235 -9.70 (-3.96%)

As on 15-Sep'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

₹235 -9.70 (-3.96%)

As on 15-Sep'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹737 Cr.
Current Price
₹235
52-Week Low / High
₹200 / 340
TTM EPS
₹14.9
Book Value per Share
₹704
P/E Ratio
15.83
Higher than its 5-year historical median
Industry PE
56.1
Price to Book (P/B)
0.33
Lower than its 5-year historical median
EV/EBITDA
12.98
Higher than its 5-year historical median
Dividend Yield
0.64%
Profitability Efficiency
Return on Equity (ROE)
1.69%
Outperforms industry median
Return on Capital Employed (ROCE)
2.15%
Outperforms industry median
Return on Assets (ROA)
1.48%
Outperforms industry median
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
₹64 Cr.
Reserves
₹2,178 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

Not Good
Check detailed performance

Valuation

Fair

Check Valuation charts

Price Trend

Weak
Check Price chart
Q.1 Is VLS Finance Ltd a good quality company?
VLS Finance Ltd is a weak quality company, based on a inconsistent 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.

View More

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 4.29%, compared to the 5-year industry median CAGR of 9.58%, indicating slower growth and losing 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 12.1% based on the current price.
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10 Year X-Ray :

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 not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)1,9132,6922,0932,9743,35421528675.740096.458
YoY Gr. Rt. %-40.7%-22.3%42.1%12.8%-93.6%33.1%-73.5%428.2%-75.9%-
Adj EPS (₹ ) 1.89.73.8-0.48.455.865.814.99213.313.6
YoY Gr. Rt. %-433%-60.4%-110.9%NA564.5%17.9%-77.4%518.1%-85.5%-
BVPS (₹ )56.264.767.3183.6230.7349.8442.2423.9577.3570.3576.9
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 12.1% 2.9% 5.4% 5.8%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Margins
Net Profit Margin (%)0.41.40.7-0.11100.689.169.380.14773.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)3.316.15.8-0.34.119.216.63.318.32.32.4

Valuation of VLS Finance - Consolidated

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!

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 (%)

Financials

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 1,9202,7012,1682,9923,37622223284419110
Interest Income1,9152,6942,1622,9923,37022122982407103
Other Income ⓘ 121182224528
Exceptional Items ⓘ 57605132127
Expenditure ⓘ + 1,9102,6312,1333,0053,3801422263252
Interest Expense ⓘ 2000000000
Operating Expenses ⓘ 1,9072,6292,1322,9873,3791320222723
Provisions 121182224528
Exceptional Items ⓘ 0-12-60000000
Profit Before Tax ⓘ 105830-13-52082105838658
Taxes ⓘ 1134-9-44-14-026212
Profit After Tax 94425-4392212105632446
Adjusted EPS (₹)2.311.46.5-0.98.857.354.415.993.213.6
Dividend Payout Ratio (%)0%8.80%15.40%-112%17.10%2.60%2.80%9.40%2.70%11%
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +2432823031,2861,7522,4312,9652,5012,9832,472
Share Capital ⓘ 39393939393939353534
Reserves ⓘ 2042432641,2471,7132,3932,9272,4652,9482,438
Short term borrowings17000001101
Long Term Borrowings234818360437639750591561227
Current Liabilities 197101253109912
Trade Payables22410205001
Other Liabilities-19-2-4-10-3-0-6-1-0-2
Total Liabilities ⓘ 2853383301,6592,1973,0773,7253,1003,5522,711

Assets

Non Current Asset +2603143021,6152,1402,8513,5232,9043,3162,355
Loan Asset 0000000088
Other Non Current Asset ⓘ 2603143021,6152,1402,8513,5232,9043,3082,347
Current Asset +2524284457227202197236356
Current Investment0000000000
Other Current Asset2524284457227202197236356
Total Assets ⓘ 2853383301,6592,1973,0773,7253,1003,5522,711
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -17-12-21-22-1041661657194200
Cash Flow From Investing Activity ⓘ 4351730113-72-18527-197137
Cash Flow From Financing Activity ⓘ 14-17-0-5-5-6-11-68-13-44
Net Cash Flow ⓘ 16-43488-31-34-15293
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)2.3011.406.50-0.908.8057.3054.4015.9093.2013.60
DPS (₹)01111.501.501.501.502.501.50
BVPS (₹)62.772.978.3332.5453628.8767709.8857.1726.8

Performance Ratios

ROA (%)3.214.27.5-0.42.08.46.21.69.81.5
ROE (%)3.716.98.6-0.52.610.67.82.111.81.7
ROCE (%)4.821.410.1-1.6-0.39.97.82.114.12.2

Valuation Parameters

Price/Book(x)0.50.90.90.20.10.10.20.20.30.3

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

VLS Finance Ltd FAQs

The current trading price of VLS Finance on 15-Sep-2026 16:59 is ₹235.0.

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 14-Sep-2026 the market cap of VLS Finance stood at ₹737.4 Cr

The latest P/E ratio of VLS Finance as of 14-Sep-2026 is 17.25.

The latest P/B ratio of VLS Finance as of 14-Sep-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 ₹58.05 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that VLS Finance Ltd is a below 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 Weak which suggest that the price of VLS Finance Ltd is likely to Fall 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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