VLS Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Promoters have been increasing their shareholding - up 5.5pp over 2 years
- Asset quality is healthy - gross NPA of just 0.0%
- Solid return on assets for a lender - ROA of 2.0%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 34.9% YoY, showing strong momentum
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Recent results are weak - TTM profit is down 25.6% versus prior year
- Company has a low return on capital employed of 6.1%
- Company has a low return on equity of 5.2% over last 3 years
- Company's sales have been declining over the last five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1940.00 | 30.64 | 310799.90 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 514.60 | 20.83 | 43701.14 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1521.30 | 10.70 | 28566.59 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13755.15 | 14.12 | 27829.56 | 0.63 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 275.45 | 23.50 | 26502.53 | 0.07 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13476.50 | 55.30 | 15401.71 | 1.63 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11350.85 | 91.71 | 12599.02 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 130.25 | 11.98 | 12464.40 | 2.50 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 403.60 | 18.41 | 8964.11 | 2.76 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 255.60 | 160.40 | 8811.39 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2328.35 | 8.03 | 7471.81 | 1.78 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| VLSFINANCE | 247.20 | 16.65 | 775.68 | 0.61 | 95.99 | 34.92 | 123.59 | 25.46 | 2.15 | 95.60 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 111 | 83 | 112 | 98 | 130 | 79 | -58 | -49 | 99 | 10 | 29 | -99 | 124 | |
| 6 | 6 | 6 | 7 | 7 | 17 | 15 | 6 | 5 | 6 | 6 | 6 | 6 | |
| Operating Profit | 105 | 78 | 107 | 91 | 123 | 62 | -73 | -54 | 93 | 5 | 23 | -104 | 118 |
| OPM % | 95.01% | 93.85% | 95.39% | 92.87% | 94.76% | 78.65% | 126.12% | 111.59% | 94.90% | 47.32% | 78.80% | 105.58% | 95.60% |
| Other Income | 2 | 6 | 2 | 2 | 2 | 4 | -3 | 3 | 2 | 3 | 2 | 1 | 2 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 105 | 82 | 107 | 91 | 124 | 65 | -77 | -53 | 94 | 7 | 24 | -104 | 119 | |
| Tax % | 12.66% | 14.37% | 18.03% | 19.02% | 24.58% | 20.97% | 24.34% | 24.65% | 24.57% | -1.57% | 26.16% | 28.23% | 19.46% |
| Net Profit | 0 | 0 | 0 | 0 | 93 | 51 | -58 | -40 | 71 | 7 | 18 | -75 | 96 |
| 26 | 20 | 25 | 21 | 27 | 15 | -17 | -12 | 21 | 2 | 5 | -22 | 3 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,915 | 2,694 | 2,162 | 2,992 | 3,370 | 221 | 229 | 82 | 407 | 103 | 64 | |
| 1,908 | 2,631 | 2,132 | 3,004 | 3,379 | 14 | 21 | 22 | 27 | 47 | 24 | |
| Operating Profit | 7 | 63 | 30 | -13 | -9 | 207 | 209 | 60 | 380 | 56 | 41 |
| OPM % | 0.36% | 2.33% | 1.40% | -0.42% | -0.27% | 93.89% | 90.92% | 73.24% | 93.48% | 54.24% | 63.30% |
| 5 | -5 | -0 | 0 | 5 | 1 | 3 | 2 | 12 | 7 | 9 | |
| Interest | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 4 | 6 | 4 | 3 |
| Profit before Tax | 10 | 58 | 30 | -13 | -5 | 208 | 210 | 58 | 386 | 58 | 47 |
| Tax % | 9.58% | 23.39% | 14.84% | 68.01% | 913.39% | -6.51% | -0.10% | 3.54% | 16.03% | 20.83% | 0.32% |
| Net Profit | 9 | 44 | 25 | -4 | 39 | 221 | 210 | 56 | 324 | 46 | 47 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 57.26 | 54.37 | 14.49 | 93.21 | 13.59 | — |
| Dividend Payout % | 0.00% | 8.75% | 15.37% | -112.00% | 17.05% | 2.62% | 2.76% | 9.44% | 2.68% | 11.04% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -32%
- 5 Years:
- -50%
- 3 Years:
- -23%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 21%
- 5 Years:
- 6%
- 3 Years:
- -40%
STOCK PRICE CAGR
- 10 Years:
- 12%
- 5 Years:
- 4%
- 3 Years:
- 5%
- 1 Year:
- 10%
RETURN ON EQUITY
- 10 Years:
- 7%
- 5 Years:
- 7%
- 3 Years:
- 5%
- Last Year:
- 2%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 35 | 35 | 34 |
| Minority Interest | 0 | 0 | 0 | 2 | 3 | 4 | -0 | -0 | -0 | -0 |
| 204 | 243 | 264 | 1,247 | 1,713 | 2,393 | 2,927 | 2,465 | 2,948 | 2,438 | |
| 17 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | |
| Trade Payables | 2 | 2 | 4 | 10 | 2 | 0 | 5 | 0 | 0 | 1 |
| 23 | 53 | 23 | 362 | 440 | 642 | 754 | 599 | 569 | 237 | |
| Total Liabilities | 285 | 338 | 330 | 1,659 | 2,197 | 3,077 | 3,725 | 3,100 | 3,552 | 2,711 |
| 1 | 10 | 10 | 9 | 9 | 9 | 27 | 25 | 67 | 65 | |
| Capital Work in Progress | 0 | 0 | 2 | 4 | 7 | 9 | 0 | 0 | 0 | 0 |
| 240 | 273 | 257 | 1,572 | 2,042 | 2,803 | 3,434 | 2,751 | 3,158 | 2,211 | |
| 5 | 5 | 9 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17 | 1 | |
| Cash & Bank | 3 | 9 | 5 | 17 | 22 | 109 | 78 | 60 | 40 | 338 |
| 35 | 40 | 47 | 57 | 118 | 147 | 186 | 265 | 270 | 95 | |
| Total Assets | 285 | 338 | 330 | 1,659 | 2,197 | 3,077 | 3,725 | 3,100 | 3,552 | 2,711 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -16 | 1 | -16 | -18 | -104 | 173 | 197 | 19 | 194 | 200 | |
| Cash from Investing | 4 | 35 | 17 | 30 | 113 | -72 | -185 | 27 | -197 | 137 |
| Cash from Financing | 14 | -17 | -0 | -5 | -5 | -6 | -11 | -68 | -13 | -44 |
| 1 | 6 | -4 | 3 | 4 | 88 | -31 | -34 | -15 | 293 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - VLS Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-07 - VLS Finance Limited has informed the Exchange about Shareholders meeting
2026-08-13 - VLS Finance Limited has informed the Exchange about Copy of Newspaper Publication regarding Unaudited Financial Results for the period ended 30th June 2026 and other communications.
2026-08-11 - VLS Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-11 - VLS Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on August 11, 2026.
2026-08-11 - VLS Finance Limited has informed the Exchange regarding Appointment of Mr Dinesh Kumar Mehrotra as Non- Executive Director of the company w.e.f. August 11, 2026.
2026-07-23 - VLS Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-07-20 - VLS Finance Limited has informed the Exchange about Intimation To Members Regarding Updation Of KYC And HavingUnclaimed Dividend For 7 Consecutive Years..
2026-07-14 - VLS Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
News
Recent coverage and analyst commentary for VLSFINANCE
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VLS Finance Ltd.
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