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VLS Finance Ltd.

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vlsfinance.comBSE: 511333NSE: VLSFINANCE
Market Cap₹ 768 Cr.
Current Price
High / Low₹ 339 / 199
Stock P/E18.0
Book Value₹ 577
Price to Book0.36
Dividend Yield0.61 %
ROCE2.9 %
ROE2.3 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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%
  • Latest quarter profit grew 37.8% YoY, showing strong momentum
  • Company generates healthy free cash flow
  • Company has a consistent dividend-paying track record

CONS

  • Capital adequacy is tight at 0.0% - limited headroom to grow
  • Company has a low return on capital employed of 9.3%
  • Company has a low return on equity of 8.0% over last 3 years
  • Company's sales have been declining over the last five years
  • Operating margins have contracted to 55.8% from 93.9%
  • Company has delivered a poor profit growth of 6.9% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Investment
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJAJFINSV1917.3030.28307163.220.086296.6718.1542036.9092.2211.8840.79
2.AIIL546.6522.1346422.910.0011082.201075.1914695.401109.3713.8588.91
3.CHOLAHLDNG1525.7510.7428650.150.091788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13000.0513.3526301.840.661173.5873.7717076.1840.0119.3916.25
5.CGCL266.1022.7125602.920.08353.38102.041576.4762.1211.6868.54
6.MAHSCOOTER13002.5553.3514860.051.693.32-90.615.41-81.521.0684.10
7.JSWHL11435.9592.4012693.480.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL124.7511.4811938.082.61368.57-19.661200.539.6911.9158.30
9.TSFINV437.2519.959711.492.55124.95-92.11305.57102.233.4753.35
10.RELIGARE256.95161.258857.930.00-46.98-674.862353.401051.764.71-2.08
11.KAMAHOLD2282.957.877326.121.82584.0210.804657.567.0720.8622.01
12.VLSFINANCE244.7016.48767.840.6195.9934.92123.5925.462.1595.60
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
111791129813074-59-4984924-82107
655761615555656
Operating Profit105741079112458-73-5480419-87102
OPM %94.82%93.35%95.37%93.18%95.00%77.91%125.07%110.14%94.58%44.84%76.57%105.90%95.42%
Other Income1512231222222
Interest0000000000000
Depreciation1112111111111
105771079212459-73-5480520-87103
Tax %12.65%13.96%18.06%19.07%24.63%21.08%25.81%24.30%24.57%0.55%26.82%29.56%18.99%
Net Profit926788749347-54-4161515-6184
261925212713-16-121824-183

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
1,9132,6922,0932,9743,354215286764009658
1,9072,6302,0682,9853,366121819244321
Operating Profit76325-11-11203267563765437
OPM %0.35%2.33%1.19%-0.36%-0.33%94.39%93.65%74.46%94.11%55.81%63.55%
4-11-6000121178
Interest20000000000
Depreciation00111114643
Profit before Tax85118-11-12202267543815642
Tax %11.82%26.06%19.24%85.45%364.55%-6.94%4.60%2.13%15.98%19.67%-1.35%
Net Profit73715-232216254523204543
EPS0.000.000.000.000.0055.8265.8013.5792.0313.33—
Dividend Payout %0.00%10.31%26.04%-238.40%17.85%2.69%2.28%10.08%2.72%11.25%—

COMPOUNDED SALES GROWTH

10 Years:
-32%
5 Years:
-51%
3 Years:
-30%

COMPOUNDED PROFIT GROWTH

10 Years:
21%
5 Years:
7%
3 Years:
-44%

STOCK PRICE CAGR

10 Years:
13%
5 Years:
4%
3 Years:
8%
1 Year:
10%

RETURN ON EQUITY

10 Years:
9%
5 Years:
12%
3 Years:
8%
Last Year:
2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2025

Dec 12

₹ 380.00

Letter Of Offer-Buyback Of Shares.

2024

Aug 26

₹ 380.00

The Board in its meeting held on 09/08/2024 has approved the buyback of equity shares of the Company.

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital39393939393939353534
1792112226718531,3141,6711,4581,9741,906
17000001101
Trade Payables1012200001
235322227219285335266363235
Total Liabilities2583032839391,1131,6372,0461,7602,3722,176
1101099927256765
Capital Work in Progress0024790000
2192512258729731,3851,7681,4201,8771,564
5570000000
00000000171
Cash & Bank32292199745534310
30353745104135177260378237
Total Assets2583032839391,1131,6372,0461,7602,3722,176

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-42-12-18-9116625022202202
Cash from Investing-8281626108-76-24023-207113
Cash from Financing14-17-0-5-5-6-6-68-13-44
1-1-1-01278-26-34-17272

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
50.8452.0252.0252.0252.0252.0252.0256.3856.38
1.062.142.031.991.931.911.301.321.26
0.030.030.030.040.040.040.050.040.03
Government0.000.000.000.000.000.000.000.000.00
48.0645.8145.9245.9546.0146.0246.6342.2542.32

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Copy of Newspaper Publication

2026-09-08 - VLS Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-07
Shareholders meeting

2026-09-07 - VLS Finance Limited has informed the Exchange about Shareholders meeting

2026-08-13
Copy of Newspaper Publication

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
Outcome of Board Meeting

2026-08-11 - VLS Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-08-11
Outcome of Board Meeting

2026-08-11 - VLS Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on August 11, 2026.

2026-08-11
Appointment

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
Copy of Newspaper Publication

2026-07-23 - VLS Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-07-20
General Updates

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
Certificate under SEBI (Depositories and Participants) Regulations, 2018

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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