VLS Finance Ltd.

•

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 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJFINSV	1971.00	31.13	315766.29	0.08	6296.67	18.15	42036.90	92.22	11.88	40.79
2.	AIIL	518.75	21.00	44053.57	0.00	11082.20	1075.19	14695.40	1109.37	13.85	88.91
3.	CHOLAHLDNG	1525.40	10.73	28643.57	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13394.05	13.75	27098.98	0.64	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	280.50	23.93	26988.42	0.07	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13585.75	55.75	15526.57	1.62	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11516.95	93.05	12783.38	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	132.10	12.15	12641.44	2.46	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	404.70	18.46	8988.54	2.76	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	257.05	161.31	8861.38	0.00	-46.98	-674.86	2353.40	1051.76	4.71	-2.08
11.	KAMAHOLD	2349.00	8.10	7538.08	1.76	584.02	10.80	4657.56	7.07	20.86	22.01
12.	VLSFINANCE	244.70	16.48	767.84	0.61	95.99	34.92	123.59	25.46	2.15	95.60

Detailed Comparison with:

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:: 12%
5 Years:: 4%
3 Years:: 5%
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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	50.84	52.02	52.02	52.02	52.02	52.02	52.02	56.38	56.38
	1.06	2.14	2.03	1.99	1.93	1.91	1.30	1.32	1.26
	0.03	0.03	0.03	0.04	0.04	0.04	0.05	0.04	0.03
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.06	45.81	45.92	45.95	46.01	46.02	46.63	42.25	42.32

Documents

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

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

2026-06-29

Cessation

2026-06-29 - VLS Finance Limited has informed the Exchange regarding Cessation of Mr Dinesh Kumar Mehrotra as Non- Executive Independent Director of the company w.e.f. Jun 28, 2026.

News

Recent coverage and analyst commentary for VLSFINANCE

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VLS Finance Ltd.

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Name

BAJAJFINSV

1971.00

31.13

315766.29

0.08

6296.67

18.15

42036.90

92.22

11.88

40.79

AIIL

518.75

21.00

44053.57

0.00

11082.20

1075.19

14695.40

1109.37

13.85

88.91

CHOLAHLDNG

1525.40

10.73

28643.57

0.09

1788.99

42.04

11113.57

42.92

10.52

57.53

TVSHLTD

13394.05

13.75

27098.98

0.64

1173.58

73.77

17076.18

40.01

19.39

16.25

CGCL

280.50

23.93

26988.42

0.07

353.38

102.04

1576.47

62.12

11.68

68.54

MAHSCOOTER

13585.75

55.75

15526.57

1.62

3.32

-90.61

5.41

-81.52

1.06

84.10

JSWHL

11516.95

93.05

12783.38

0.00

24.54

-92.74

34.58

14.97

0.58

92.45

JMFINANCIL

132.10

12.15

12641.44

2.46

368.57

-19.66

1200.53

9.69

11.91

58.30

TSFINV

404.70

18.46

8988.54

2.76

124.95

-92.11

305.57

102.23

3.47

53.35

RELIGARE

257.05

161.31

8861.38

0.00

-46.98

-674.86

2353.40

1051.76

4.71

-2.08

KAMAHOLD

2349.00

8.10

7538.08

1.76

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

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

112

130

-59

-49

-82

107

Operating Profit

105

107

124

-73

-54

-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

Interest

Depreciation

105

107

124

-73

-54

-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

-54

-41

-61

-16

-12

-18

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

400

1,907

2,630

2,068

2,985

3,366

Operating Profit

-11

203

267

376

OPM %

0.35%

2.33%

1.19%

-0.36%

-0.33%

94.39%

93.65%

74.46%

94.11%

55.81%

63.55%

-11

-6

Interest

Depreciation

Profit before Tax

-11

-12

202

267

381

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

-2

216

254

320

EPS

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%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

179

211

222

671

853

1,314

1,671

1,458

1,974

1,906

Trade Payables

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

Capital Work in Progress

219

251

225

872

973

1,385

1,768

1,420

1,877

1,564

Cash & Bank

310

104

135

177

260

378

237

Total Assets

258

303

283

939

1,113

1,637

2,046

1,760

2,372

2,176

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-4

-12

-18

-91

166

250

202

Cash from Investing

-8

108

-76

-240

-207

113

Cash from Financing

-17

-0

-5

-6

-68

-13

-44

-1

-0

-26

-34

-17

272

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

50.84

52.02

56.38

1.06

2.14

2.03

1.99

1.93

1.91

1.30

1.32

1.26

0.03

0.04

0.05

0.04

0.03

Government

0.00

48.06

45.81

45.92

45.95

46.01

46.02

46.63

42.25

42.32

VLS Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

VLS Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI