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Visagar Financial Services Ltd (531025)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531025 NSE: Finance - NBFC | Small Cap | Visagar Finl.Service Share Price

₹0.36 -0.01 (-2.70%)

As on 05-Jun'26 10:27

Visagar Financial Services Ltd (531025)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 531025 NSE: Finance - NBFC | Small Cap | Visagar Finl.Service Share Price

₹0.36 -0.01 (-2.70%)

As on 05-Jun'26 10:27

Key Metrics
Valuation Multiples
Market Cap
₹22 Cr.
Current Price
₹0.4
52-Week Low / High
₹0 / 1
TTM EPS
₹-0
Book Value per Share
₹1
P/E Ratio
0.00
Industry PE
25.6
Price to Book (P/B)
0.36
Lower than its 5-year historical median
EV/EBITDA
19.24
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-0.27%
Return on Capital Employed (ROCE)
1.62%
Return on Assets (ROA)
-0.15%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-61.65%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹3 Cr.
Reserves
₹2 Cr.
Equity
₹58.4 Cr.
Face Value
₹1
All Time Low / High
₹0.02 / 13.43

Visagar Financial Services stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is Visagar Financial Services Ltd a good quality company?
Visagar Financial Services Ltd is a quality company, based on a 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 Visagar Financial Services Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Visagar Financial Services Ltd vs Industry Peers?
Visagar Financial Services Ltd AUM CAGR is 50.45%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.
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Q.1 Promoter shareholding and pledge status of Visagar Financial Services Ltd?
Promoters hold 5.95% of the Visagar Financial Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Visagar Financial Services Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 7.8% 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.
Visagar Financial Services 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.)4.110.56.11.11.566.616.851.83341303
YoY Gr. Rt. %-156.7%-42.5%-82.6%43.8%4277.7%-74.7%207.9%545.2%-61.2%-
Adj EPS (₹ ) 0-000-0-000-0-0-0
YoY Gr. Rt. %-NANANANANANA100%-200%NA-
BVPS (₹ )0.60.60.60.60.60.60.61.1111
YoY Gr. Rt. %--1.6%1.6%0%-3.1%-3.2%3.3%69.4%-1.9%0%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.2-0.40.20.3-1.9-2.51.72.8-1.3-0.20

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income46.7%143.3%97.5%-61.2%
Adj EPSNANA-100%NA
BVPS5.4%10.7%18.4%0%
Share Price 8.5% 7.6% -28.4% -29.4%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)0.7-0.60.54.2-18.7-0.51.42.5-0.4-0.1-19.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)0.2-0.50.20.4-2.3-2.923.5-1.9-0.3-1

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 4.1110.556.071.071.5266.5816.8251.80334.21129.57
Interest Income4.1110.556.071.061.5266.5816.8251.80334.21129.57
Other Income ⓘ 000.74000001.470.48
Exceptional Items ⓘ 0000.01000000
Expenditure ⓘ + 4.0710.616.031.011.8166.9316.5849.99335.37129.73
Interest Expense ⓘ 00.1700000.010.141.131.84
Operating Expenses ⓘ 4.0710.435.2911.8166.9316.5849.85332.77127.41
Provisions 000.74000001.470.48
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 0.04-0.060.030.06-0.28-0.350.241.81-1.16-0.16
Taxes ⓘ 0.0100.010.020000.540-0
Profit After Tax 0.03-0.060.030.04-0.28-0.350.241.28-1.16-0.16
Adjusted EPS (₹)0.00.00.00.0-0.0-0.00.00.0-0.00.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Visagar Finl.Service - 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 +12.3212.2712.2912.3412.0511.7111.9561.8660.7060.54
Share Capital ⓘ 6.506.506.506.506.506.509.7558.3958.3958.39
Reserves ⓘ 5.825.765.795.845.555.212.193.472.312.15
Short term borrowings0.564.815.033.681.372.301.6214.9442.2943.84
Long Term Borrowings0.020.020.020.020.020.02000-0
Current Liabilities 0.685.085.053.751.462.381.6515.7343.7443.83
Trade Payables00.2400000000.04
Other Liabilities-0.56-5.04-5.04-3.68-1.37-2.30-1.62-14.94-42.29-43.88
Total Liabilities ⓘ 13.0317.3717.3716.1113.5414.1213.6077.59104.44104.37

Assets

Non Current Asset +12.1014.1115.0313.8511.7612.0610.9558.6285.8893.61
Loan Asset 0000000000
Other Non Current Asset ⓘ 12.1014.1115.0313.8511.7612.0610.9558.6285.8893.61
Current Asset +0.933.262.342.271.782.052.6618.2217.9610.48
Current Investment0000000000
Other Current Asset0.933.262.342.271.782.052.6618.2217.9610.48
Total Assets ⓘ 13.0317.3717.3716.1113.5414.1213.6077.59104.44104.37

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -2.784.720.14-0.170.02-0.04-0.12-54.11-25.830.27
Cash Flow From Investing Activity ⓘ 2.64-4.53-00000.18-6.70-0.53-0
Cash Flow From Financing Activity ⓘ 000000061.9627.35-1.84
Net Cash Flow ⓘ -0.140.200.14-0.170.02-0.040.061.140.99-1.57

Financial Ratio

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

Operational & Financial Ratios
EPS (₹)0-000-0.10-0.1000-00
DPS (₹)0000000000
BVPS (₹)3.83.83.83.83.73.61.21.111

Performance Ratios

ROA (%)0.2-0.40.20.3-1.9-2.51.72.8-1.3-0.2
ROE (%)0.2-0.50.20.4-2.3-2.92.03.5-1.9-0.3
ROCE (%)0.30.80.20.4-1.9-2.51.84.4-0.01.6

Valuation Parameters

Price/Book(x)0.40.10.20.10.10.22.00.70.80.5

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

Visagar Financial Services Ltd FAQs

The current trading price of Visagar Finl.Service on 05-Jun-2026 10:27 is ₹0.36.

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 04-Jun-2026 the market cap of Visagar Finl.Service stood at ₹21.60 Cr

The latest P/E ratio of Visagar Finl.Service as of 04-Jun-2026 is 0.00.

The latest P/B ratio of Visagar Finl.Service as of 04-Jun-2026 is 0.36.

The 52-week high of Visagar Finl.Service is ₹0.59 and the 52-week low is ₹0.25.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Visagar Finl.Service is ₹3.04 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Visagar Financial Services Ltd is a below average quality company.

The key valuation ratios of Visagar Financial Services 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 Visagar Financial Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Visagar Financial Services Ltd

Inca Finlease was incorporated on March 1, 1994 as a private limited company with the Registrar of Companies, Maharashtra at Bombay.  It was then converted into a Public Limited company in terms of the resolution passed in the extra ordinary general meeting (EGM) of the company held on May 28, 1994 and obtained fresh certificate upon conversion of the company from private limited to public limited from the registrar of companies, Maharashtra on July 8, 1994.

The company has proper and adequate system of internal controls to ensure that all assets are safeguarded and protected against loss from unauthorized use or disposition and that transactions are authorized, recorded and reported correctly.

The company has effective systems in place for achieving efficiency in operations, optimum and effective utilization of resources, monitoring thereof arid compliance with applicable laws.

Business areas of the company: 

The company is presently engaged in the business of bill discounting  and in the business of trading in shares and securities.

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