VLS Finance Ltd - Stock Valuation and Financial Performance

BSE: 511333 | NSE: VLSFINANCE | Finance - Investment | Small Cap

VLS Finance Share Price

236.55 -5.90 -2.43%
as on 19-Mar'24 14:52

DeciZen - make an informed investing decision on VLS Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Semi Strong

VLS Finance stock performance -

mw4me loader
P/E Ratio (SA):
3.66
Market Cap:
843.6 Cr.
52-wk low:
140.8
52-wk high:
322

Is VLS Finance Ltd an attractive stock to invest in?

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 below 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 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.

10 Year X-Ray of VLS Finance:

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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)3,8164,6231,9132,6922,0932,9743,35421528675.7287
YoY Gr. Rt. %-21.2%-58.6%40.7%-22.3%42.1%12.8%-93.6%33.1%-73.5%-
Adj EPS (₹ ) 0.91.71.89.73.8-0.48.455.865.814.966.3
YoY Gr. Rt. %-86.7%8.3%433%-60.4%-110.9%NA564.5%17.9%-77.4%-
BVPS (₹ )52.754.456.264.767.3183.6230.7349.8442.2423.9548.1
YoY Gr. Rt. %-3.2%3.3%15.1%4.1%172.7%25.7%51.6%26.4%-4.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.52.72.813.45.1-0.33.215.713.82.80

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-35.3%-48.5%-71.7%-73.5%
Adj EPS36.6%31.1%21%-77.4%
BVPS26.1%44.5%22.5%-4.2%
Share Price 34% 31.4% 42.1% 32.8%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Margins
Net Profit Margin (%)0.10.10.41.40.7-0.11100.689.169.380.4
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.73.13.316.15.8-0.34.119.216.63.312.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.60%

Net Profit has increased 21.02 CAGR in last 3 years

Total Income has declined -21.85 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - VLS Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 66.3 67.4
TTM Sales (₹ Cr.) 287 291
BVPS (₹.) 548.1 855.6
Reserves (₹ Cr.) 1,872 2,942
P/BV 0.44 0.28
PE 3.66 3.60
From the Market
52 Week Low / High (₹) 140.75 / 322.00
All Time Low / High (₹) 2.20 / 322.00
Market Cap (₹ Cr.) 844
Equity (₹ Cr.) 34.8
Face Value (₹) 10
Industry PE 44.8

Management X-Ray of VLS Finance:

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 (%)

Event Update

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Analyst's Notes

Key Ratios of VLS Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income3,8164,6241,9172,6922,0932,9743,35421528677
Interest Income3,8164,6231,9132,6922,0932,9743,35421528676
Other Income 0040000012
Expenditure 3,8124,6161,9092,6302,0692,9863,367132024
Interest Expense 0020000000
Operating Expenses 3,8114,6151,9062,6282,0682,9723,365111820
Provisions 11121142124
Exceptional Items 000-12-600000
Profit Before Tax 4785118-11-1220226754
Taxes 111134-10-45-14121
Profit After Tax 3673715-23221625452
Adjusted EPS (₹)0.91.71.89.73.8-0.48.455.865.814.9
Dividend Payout Ratio (%)0%0%0%10%26%-238%18%3%2%10%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital2042102172502607108921,3521,7101,493
Share Capital 39393939393939393935
Reserves 1651721792112226718531,3141,6711,458
Minority Interest0000000000
Long Term Borrowings3031234817225216282331259
Current Liabilities 01185645358
Trade Payables0010122000
Short term borrowings01170000011
Other Liabilities0-1-180-1-2-30-1-1
Total Liabilities 2342422583032839391,1131,6372,0461,760

Assets

Non Current Asset 1932032362902689121,0671,4301,8471,571
Loan Asset 0000000000
Other Non Current Asset 1932032362902689121,0671,4301,8471,571
Current Asset 41392213152746207199190
Current Investment0000000000
Other Current Asset41392213152746207199190
Total Assets 2342422583032839391,1131,6372,0461,760

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 49-41-5-12-16-22-9216022011
Cash Flow From Investing Activity -5739-8281626108-76-24023
Cash Flow From Financing Activity -2014-170-5-5-6-6-68
Net Cash Flow -10-21-1-101278-26-34
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)12210408566615
DPS (₹)0001112222
BVPS (₹)5354566567184231350442424

Performance Ratios

ROA (%)1.52.72.813.45.1-0.33.215.713.82.8
ROE (%)1.73.13.316.15.8-0.34.119.216.63.3
ROCE (%)2.13.64.521.07.2-2.3-1.518.017.43.4

Valuation Parameters

Price/Book(x)0.30.60.61.01.00.30.10.20.40.4

VLS Finance Ltd Stock News

VLS Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of VLS Finance on 19-Mar-2024 14:52 is ₹236.6.
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 19-Mar-2024 14:52 the market cap of VLS Finance stood at ₹843.6.
The latest P/E ratio of VLS Finance as of 19-Mar-2024 14:52 is 3.66.
The latest P/B ratio of VLS Finance as of 19-Mar-2024 14:52 is 0.44.
The 52-week high of VLS Finance is ₹322.0 and the 52-week low is ₹140.8.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of VLS Finance is ₹286.6 ( Cr.) .

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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