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BSE: 511333 | NSE: VLSFINANCE | Finance - Investment | Small Cap
1. Is VLS Finance Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that VLS Finance Ltd is a average quality company.
2. Is VLS Finance Ltd undervalued or overvalued?
The key valuation ratios of VLS Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is VLS Finance Ltd a good buy now?
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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 2,328 | 3,816 | 4,623 | 1,913 | 2,692 | 2,093 | 2,974 | 3,354 | 215 | 286 | 233 | |
| YoY Gr. Rt. % | - | 63.9% | 21.2% | -58.6% | 40.7% | -22.3% | 42.1% | 12.8% | -93.6% | 33.1% | - | |
| Adj EPS (₹ ) | 0.5 | 0.9 | 1.7 | 1.8 | 9.7 | 3.8 | -0.4 | 8.4 | 55.8 | 65.8 | 38.2 | |
| YoY Gr. Rt. % | - | 95.7% | 86.7% | 8.3% | 433% | -60.4% | -110.9% | NA | 564.5% | 17.9% | - | |
| BVPS (₹ ) | 50.7 | 52.7 | 54.4 | 56.2 | 64.7 | 67.3 | 183.6 | 230.7 | 349.8 | 442.2 | 428.9 | |
| YoY Gr. Rt. % | - | 3.9% | 3.2% | 3.3% | 15.1% | 4.1% | 172.7% | 25.7% | 51.6% | 26.4% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.8 | 1.5 | 2.7 | 2.8 | 13.4 | 5.1 | -0.3 | 3.2 | 15.7 | 13.8 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | -20.8% | -36.2% | -54.2% | 33.1% | ||||||||
| Adj EPS | 73.6% | 46.7% | NA | 17.9% | ||||||||
| BVPS | 27.2% | 46.9% | 34.1% | 26.4% | ||||||||
| Share Price | 25.9% | 6.1% | 37% | -31.6% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 0.1 | 0.1 | 0.1 | 0.4 | 1.4 | 0.7 | -0.1 | 1 | 100.6 | 89.1 | 63.5 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 0.9 | 1.7 | 3.1 | 3.3 | 16.1 | 5.8 | -0.3 | 4.1 | 19.2 | 16.6 | 8.9 | |
No data to display
Return on Equity has declined versus last 3 years average to 8.80%
Total Income has declined 6.82 CAGR in last 3 years
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 38.2 | 19.9 |
| TTM Sales (₹ Cr.) | 233 | 146 |
| BVPS (₹.) ⓘ | 428.9 | 737.2 |
| Reserves (₹ Cr.) ⓘ | 1,620 | 2,811 |
| P/BV ⓘ | 0.31 | 0.18 |
| PE ⓘ | 3.50 | 6.78 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 115.00 / 241.00 |
| All Time Low / High (₹) | 2.20 / 264.85 |
| Market Cap (₹ Cr.) | 517 |
| Equity (₹ Cr.) | 38.7 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 69.4 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
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
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.
