Is VLS Finance Ltd (VLSFINANCE) a good quality company?

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

Is VLS Finance Ltd (VLSFINANCE) 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 Somewhat Undervalued zone .

What is VLS Finance Ltd (VLSFINANCE) share price return in the past 10 years?

VLS Finance Ltd share price has appreciated 20.1% annually (CAGR) over the past ten years.

Is VLS Finance Ltd (VLSFINANCE) 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.

What is the share price of VLS Finance Ltd (VLSFINANCE)?

Company share prices are keep on changing according to the market conditions. The current trading price of VLS Finance Ltd (VLSFINANCE) on 30-Apr-2026 16:59:59 at 16:59 is 231.25.

What is the market cap of VLS Finance Ltd (VLSFINANCE)?

Market capitalization is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 30-Apr-2026 at 16:59, the market cap of VLS Finance stood at Rs. 725.63 Cr.

What is the P/E ratio of VLS Finance?

The latest standalone P/E ratio of VLS Finance as of 30-Apr-2026 is 18.01.

What is the P/B ratio of VLS Finance Ltd (VLSFINANCE)?

The latest standalone P/B ratio of VLS Finance Ltd (VLSFINANCE) as of 30-Apr-2026 is 0.37.

What is the 52-week high and low of VLS Finance Ltd (VLSFINANCE)?

The 52-week high of VLS Finance Ltd (VLSFINANCE) is Rs. 339.90 and the 52-week low is Rs. 200.20.

What is the TTM revenue of VLS Finance Ltd (VLSFINANCE)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of VLS Finance is Rs. 68.36 (Cr.).

VLS Finance Ltd (VLSFINANCE) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: VLS Finance Ltd (VLSFINANCE)
Brand: VLS Finance

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

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	1,913	2,692	2,093	2,974	3,354	215	286	75.7	400	96.4	68
YoY Gr. Rt. %	-	40.7%	-22.3%	42.1%	12.8%	-93.6%	33.1%	-73.5%	428.2%	-75.9%	-
Adj EPS (₹ )	1.8	9.7	3.8	-0.4	8.4	55.8	65.8	14.9	92	13.3	12.8
YoY Gr. Rt. %	-	433%	-60.4%	-110.9%	NA	564.5%	17.9%	-77.4%	518.1%	-85.5%	-
BVPS (₹ )	56.2	64.7	67.3	183.6	230.7	349.8	442.2	423.9	577.3	570.3	630
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 (%)	2.8	13.4	5.1	-0.3	3.2	15.7	13.8	2.8	15.5	2	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	-28.3%	-50.8%	-30.4%	-75.9%
Adj EPS	24.8%	9.7%	-41.3%	-85.5%
BVPS	29.4%	19.9%	8.9%	-1.2%
Share Price	20.1%	21.1%	10%	0.6%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Margins
Net Profit Margin (%)	0.4	1.4	0.7	-0.1	1	100.6	89.1	69.3	80.1	47	58.9
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	3.3	16.1	5.8	-0.3	4.1	19.2	16.6	3.3	18.3	2.3	2.1

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 2.10%

Total Income has declined -68.36 CAGR in last 3 years

Net Profit has declined -41.27 CAGR in last 3 years

Total income growth is poor in last 4 quarters

	Standalone	Consolidated
TTM EPS (₹)	12.8	18
TTM Sales (₹ Cr.)	68.4	89.4
BVPS (₹) ⓘ	630	818.4
Reserves (₹ Cr.) ⓘ	1,889	2,537
P/BV ⓘ	0.37	0.28
PE ⓘ	18.01	12.85

From the Market
52 Week Low / High (₹)	200.20 / 339.90
All Time Low / High (₹)	2.20 / 451.95
Market Cap (₹ Cr.)	726
Equity (₹ Cr.)	31.4
Face Value (₹)	10
Industry PE ⓘ	51

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	1,917	2,692	2,093	2,974	3,354	215	286	77	411	104
Interest Income	1,913	2,692	2,093	2,974	3,354	215	286	76	400	96
Other Income ⓘ	1	2	1	14	2	1	2	4	5	26
Exceptional Items ⓘ	4	0	0	0	0	0	1	2	11	7
Expenditure ⓘ +	1,909	2,630	2,069	2,986	3,367	13	20	24	29	47
Interest Expense ⓘ	2	0	0	0	0	0	0	0	0	0
Operating Expenses ⓘ	1,906	2,628	2,068	2,972	3,365	11	18	20	24	21
Provisions	1	2	1	14	2	1	2	4	5	26
Exceptional Items ⓘ	0	-12	-6	0	0	0	0	0	0	0
Profit Before Tax ⓘ	8	51	18	-11	-12	202	267	54	381	56
Taxes ⓘ	1	13	4	-10	-45	-14	12	1	61	11
Profit After Tax	7	37	15	-2	32	216	254	52	320	45
Adjusted EPS (₹)	1.8	9.7	3.8	-0.4	8.4	55.8	65.8	14.9	92.0	13.3
Dividend Payout Ratio (%)	0%	10.30%	26%	-238.40%	17.90%	2.70%	2.30%	10.10%	2.70%	11.30%

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	217	250	260	710	892	1,352	1,710	1,493	2,009	1,940
Share Capital ⓘ	39	39	39	39	39	39	39	35	35	34
Reserves ⓘ	179	211	222	671	853	1,314	1,671	1,458	1,974	1,906
Short term borrowings	17	0	0	0	0	0	1	1	0	1
Long Term Borrowings	23	48	17	225	216	282	331	259	355	225
Current Liabilities	18	5	6	4	5	3	5	8	8	11
Trade Payables	1	0	1	2	2	0	0	0	0	1
Other Liabilities	-18	-0	-1	-2	-3	-0	-1	-1	-0	-2
Total Liabilities ⓘ	258	303	283	939	1,113	1,637	2,046	1,760	2,372	2,176
Assets
Non Current Asset +	236	290	268	912	1,067	1,430	1,847	1,571	2,145	1,850
Loan Asset	0	0	0	0	0	0	0	0	8	8
Other Non Current Asset ⓘ	236	290	268	912	1,067	1,430	1,847	1,571	2,137	1,842
Current Asset +	22	13	15	27	46	207	199	190	227	326
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	22	13	15	27	46	207	199	190	227	326
Total Assets ⓘ	258	303	283	939	1,113	1,637	2,046	1,760	2,372	2,176

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-5	-12	-16	-22	-92	160	220	11	202	202
Cash Flow From Investing Activity ⓘ	-8	28	16	26	108	-76	-240	23	-207	113
Cash Flow From Financing Activity ⓘ	14	-17	-0	-5	-5	-6	-6	-68	-13	-44
Net Cash Flow ⓘ	1	-1	-1	-0	12	78	-26	-34	-17	272

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	1.80	9.70	3.80	-0.40	8.40	55.80	65.80	14.90	92	13.30
DPS (₹)	0	1	1	1	1.50	1.50	1.50	1.50	2.50	1.50
BVPS (₹)	56.2	64.7	67.3	183.6	230.7	349.8	442.2	423.9	577.3	570.3
Performance Ratios
ROA (%)	2.8	13.4	5.1	-0.3	3.2	15.7	13.8	2.8	15.5	2.0
ROE (%)	3.3	16.1	5.8	-0.3	4.1	19.2	16.6	3.3	18.3	2.3
ROCE (%)	4.5	21.0	7.2	-2.3	-1.5	18.0	17.4	3.4	21.8	2.9
Valuation Parameters
Price/Book(x)	0.6	1.0	1.0	0.3	0.1	0.2	0.4	0.4	0.4	0.4

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.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

VLS Finance Ltd (VLSFINANCE) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

VLS Finance Share Price