VLS Finance Ltd - Stock Valuation and Financial Performance

BSE: 511333 | NSE: VLSFINANCE | Finance - Investment | Small Cap

VLS Finance Share Price

224.70 -9.35 -3.99%
as on 27-Feb'25 16:59

DeciZen - make an informed investing decision on VLS Finance

Overall Rating
Bole Toh

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

VLS Finance stock performance -

P/E Ratio (SA):
4.97
Market Cap:
796 Cr.
52-wk low:
219.7
52-wk high:
452

Is VLS Finance Ltd an attractive stock to invest in?

1. Is VLS Finance Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that VLS Finance Ltd is a average quality company.

2. Is VLS Finance Ltd undervalued or overvalued?

The key valuation ratios of VLS Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is VLS Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of VLS Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of VLS Finance:

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.
VLS Finance Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)4,6231,9132,6922,0932,9743,35421528675.7400243
YoY Gr. Rt. %--58.6%40.7%-22.3%42.1%12.8%-93.6%33.1%-73.5%428.2%-
Adj EPS (₹ ) 1.71.89.73.8-0.48.455.865.814.99247.1
YoY Gr. Rt. %-8.3%433%-60.4%-110.9%NA564.5%17.9%-77.4%518.1%-
BVPS (₹ )54.456.264.767.3183.6230.7349.8442.2423.9577.3649.3
YoY Gr. Rt. %-3.3%15.1%4.1%172.7%25.7%51.6%26.4%-4.2%36.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.72.813.45.1-0.33.215.713.82.815.50

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-23.8%-33.1%23.1%428.2%
Adj EPS56%NA18.1%518.1%
BVPS30%25.8%18.2%36.2%
Share Price 19.9% 33% 11.3% -20.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Margins
Net Profit Margin (%)0.10.41.40.7-0.11100.689.169.380.165.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)3.13.316.15.8-0.34.119.216.63.318.37.2

Recent Performance Summary

Total Income has increased 23.05 CAGR in last 3 years

Net Profit has increased 18.14 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 7.70%

Total income growth is poor in last 4 quarters

Latest Financials - VLS Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 47.1 47.1
TTM Sales (₹ Cr.) 243 249
BVPS (₹.) 649.3 933.6
Reserves (₹ Cr.) 2,174 3,141
P/BV 0.36 0.25
PE 4.97 4.97
From the Market
52 Week Low / High (₹) 219.70 / 451.95
All Time Low / High (₹) 2.20 / 451.95
Market Cap (₹ Cr.) 796
Equity (₹ Cr.) 34
Face Value (₹) 10
Industry PE 49.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income0 N/A0 N/A0 N/A0 N/A
Adj EPS (₹)N/A N/AN/A N/AN/A N/AN/A N/A
Net Profit Mgn %N/A N/AN/A N/AN/A N/AN/A N/A

Management X-Ray of VLS Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:52.02%Institutions:2.06%Non-Institutions:45.92%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of VLS Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of VLS Finance

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Paul Merchants 796.1 4.1 (0.5%) Small Cap 6,502 26.5 0.4 29.9 0.5
JM Financial 95.8 -2.6 (-2.6%) Small Cap 4,761 4 0.6 24.5 1.1
IIFL Finance 316.9 3.6 (1.2%) Small Cap 4,604 -6.7 12.7 - 2.1
Altius Telecom Infra 150 0 (0%) Small Cap 4,146 - 100.9 - -
Embassy Office Parks 367.6 12.1 (3.4%) Small Cap 3,816 - 25.3 - -
INDIGRID 141.2 0.3 (0.2%) Small Cap 2,717 - 38.6 - -
Authum Inv. & Infra 1,495.3 -9.1 (-0.6%) Small Cap 2,412 234.3 121.2 6.4 1.9
Capri Global Capital 165 -1.6 (-0.9%) Small Cap 2,313 4.7 12.1 35.9 3.3
Centrum Capital 27.1 -0 (-0.2%) Small Cap 2,207 -4 -3.2 - 3.9
IIFL Capital Service 228 -4.9 (-2.1%) Small Cap 2,161 24.7 23.8 9.4 3
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income4,6241,9172,6922,0932,9743,35421528677411
Interest Income4,6231,9132,6922,0932,9743,35421528676400
Other Income 04000001211
Expenditure 4,6161,9092,6302,0692,9863,36713202429
Interest Expense 0200000000
Operating Expenses 4,6151,9062,6282,0682,9723,36511182024
Provisions 11211421245
Exceptional Items 00-12-6000000
Profit Before Tax 785118-11-1220226754381
Taxes 11134-10-45-1412161
Profit After Tax 673715-23221625452320
Adjusted EPS (₹)1.71.89.73.8-0.48.455.865.814.992.0
Dividend Payout Ratio (%)0%0%10%26%-238%18%3%2%10%3%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital2102172502607108921,3521,7101,4932,009
Share Capital 39393939393939393535
Reserves 1721792112226718531,3141,6711,4581,974
Minority Interest0000000000
Long Term Borrowings31234817225216282331259355
Current Liabilities 11856453588
Trade Payables0101220000
Short term borrowings11700000110
Other Liabilities-1-180-1-2-30-1-10
Total Liabilities 2422583032839391,1131,6372,0461,7602,372

Assets

Non Current Asset 2032362902689121,0671,4301,8471,5712,170
Loan Asset 0000000000
Other Non Current Asset 2032362902689121,0671,4301,8471,5712,170
Current Asset 392213152746207199190202
Current Investment0000000000
Other Current Asset392213152746207199190202
Total Assets 2422583032839391,1131,6372,0461,7602,372

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -41-5-12-16-22-9216022011202
Cash Flow From Investing Activity 39-8281626108-76-24023-207
Cash Flow From Financing Activity 014-170-5-5-6-6-68-13
Net Cash Flow -21-1-101278-26-34-17
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)221040856661592
DPS (₹)0011122223
BVPS (₹)54566567184231350442424577

Performance Ratios

ROA (%)2.72.813.45.1-0.33.215.713.82.815.5
ROE (%)3.13.316.15.8-0.34.119.216.63.318.3
ROCE (%)3.64.521.07.2-2.3-1.518.017.43.421.8

Valuation Parameters

Price/Book(x)0.60.61.01.00.30.10.20.40.40.4

VLS Finance Ltd Stock News

VLS Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of VLS Finance on 27-Feb-2025 16:59 is ₹224.7.
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 27-Feb-2025 16:59 the market cap of VLS Finance stood at ₹796.0.
The latest P/E ratio of VLS Finance as of 27-Feb-2025 16:59 is 4.97.
The latest P/B ratio of VLS Finance as of 27-Feb-2025 16:59 is 0.36.
The 52-week high of VLS Finance is ₹451.9 and the 52-week low is ₹219.7.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of VLS Finance is ₹243.1 ( Cr.) .

About VLS Finance Ltd

VLS Finance, incorporated in January 1986, is the flagship company of the VLS Group. The company is a leading NBFC (Non Banking Finance Company) in the country.

The VLS Group is a multi-faceted multi-divisional integrated financial services group with major presence in almost all areas of financial services such as asset management, strategic private equity investments, arbitrage and many more.

The shares of the company are listed on Bombay Stock Exchange, National Stock Exchange of India, Calcutta Stock Exchange Association and Madras Stock Exchange.

VLS Finance operates subsidiaries namely VLS Investments, VLS Securities and VLS Asset Management.

Services

  • Investment Banking
  • Structured Finance
  • Corporate Consulting & Advisory Services
  • Stock Broking
  • Privatization & Infrastructure Finance
  • Proprietary Investments & Equity Research

The company caters to customers namely Ansal Properties, Relaxo Footwear, TV 18, Nucleus Software, Apollo Hospitals, Transport Corporation of India, Kothari Products, Sunair Hotels, Dabur, Liberty, Gati, Mirza, Kedia, Ganesh Polytex, Selan Exploration, Flex Group, Lakhani Shoes and many more.

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