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%
- 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 6296.67 | 18.15 | 42036.90 | 92.22 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| VLSFINANCE | 244.70 | 16.48 | 767.84 | 0.61 | 95.99 | 34.92 | 123.59 | 25.46 | 2.15 | 95.60 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 79 | 112 | 98 | 130 | 74 | -59 | -49 | 84 | 9 | 24 | -82 | 107 | |
| 6 | 5 | 5 | 7 | 6 | 16 | 15 | 5 | 5 | 5 | 6 | 5 | 6 | |
| Operating Profit | 105 | 74 | 107 | 91 | 124 | 58 | -73 | -54 | 80 | 4 | 19 | -87 | 102 |
| 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 Income | 1 | 5 | 1 | 2 | 2 | 3 | 1 | 2 | 2 | 2 | 2 | 2 | 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 | 77 | 107 | 92 | 124 | 59 | -73 | -54 | 80 | 5 | 20 | -87 | 103 | |
| 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 Profit | 92 | 67 | 88 | 74 | 93 | 47 | -54 | -41 | 61 | 5 | 15 | -61 | 84 |
| 26 | 19 | 25 | 21 | 27 | 13 | -16 | -12 | 18 | 2 | 4 | -18 | 3 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,913 | 2,692 | 2,093 | 2,974 | 3,354 | 215 | 286 | 76 | 400 | 96 | 58 | |
| 1,907 | 2,630 | 2,068 | 2,985 | 3,366 | 12 | 18 | 19 | 24 | 43 | 21 | |
| Operating Profit | 7 | 63 | 25 | -11 | -11 | 203 | 267 | 56 | 376 | 54 | 37 |
| 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 | -6 | 0 | 0 | 0 | 1 | 2 | 11 | 7 | 8 | |
| 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 | 8 | 51 | 18 | -11 | -12 | 202 | 267 | 54 | 381 | 56 | 42 |
| Tax % | 11.82% | 26.06% | 19.24% | 85.45% | 364.55% | -6.94% | 4.60% | 2.13% | 15.98% | 19.67% | -1.35% |
| Net Profit | 7 | 37 | 15 | -2 | 32 | 216 | 254 | 52 | 320 | 45 | 43 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 55.82 | 65.80 | 13.57 | 92.03 | 13.33 | — |
| 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
| 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 |
| 179 | 211 | 222 | 671 | 853 | 1,314 | 1,671 | 1,458 | 1,974 | 1,906 | |
| 17 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 1 | |
| Trade Payables | 1 | 0 | 1 | 2 | 2 | 0 | 0 | 0 | 0 | 1 |
| 23 | 53 | 22 | 227 | 219 | 285 | 335 | 266 | 363 | 235 | |
| Total Liabilities | 258 | 303 | 283 | 939 | 1,113 | 1,637 | 2,046 | 1,760 | 2,372 | 2,176 |
| 1 | 10 | 10 | 9 | 9 | 9 | 27 | 25 | 67 | 65 | |
| Capital Work in Progress | 0 | 0 | 2 | 4 | 7 | 9 | 0 | 0 | 0 | 0 |
| 219 | 251 | 225 | 872 | 973 | 1,385 | 1,768 | 1,420 | 1,877 | 1,564 | |
| 5 | 5 | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17 | 1 | |
| Cash & Bank | 3 | 2 | 2 | 9 | 21 | 99 | 74 | 55 | 34 | 310 |
| 30 | 35 | 37 | 45 | 104 | 135 | 177 | 260 | 378 | 237 | |
| Total Assets | 258 | 303 | 283 | 939 | 1,113 | 1,637 | 2,046 | 1,760 | 2,372 | 2,176 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -4 | 2 | -12 | -18 | -91 | 166 | 250 | 22 | 202 | 202 | |
| Cash from Investing | -8 | 28 | 16 | 26 | 108 | -76 | -240 | 23 | -207 | 113 |
| Cash from Financing | 14 | -17 | -0 | -5 | -5 | -6 | -6 | -68 | -13 | -44 |
| 1 | -1 | -1 | -0 | 12 | 78 | -26 | -34 | -17 | 272 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| 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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