BSE: 511333 | NSE: VLSFINANCE | Finance - Investment | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that VLS Finance Ltd is a average quality company.
The key valuation ratios of VLS Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 4,623 | 1,913 | 2,692 | 2,093 | 2,974 | 3,354 | 215 | 286 | 75.7 | 400 | 414 | |
| YoY Gr. Rt. % | - | -58.6% | 40.7% | -22.3% | 42.1% | 12.8% | -93.6% | 33.1% | -73.5% | 428.2% | - | |
| Adj EPS (₹ ) | 1.7 | 1.8 | 9.7 | 3.8 | -0.4 | 8.4 | 55.8 | 65.8 | 14.9 | 92 | 88.9 | |
| YoY Gr. Rt. % | - | 8.3% | 433% | -60.4% | -110.9% | NA | 564.5% | 17.9% | -77.4% | 518.1% | - | |
| BVPS (₹ ) | 54.4 | 56.2 | 64.7 | 67.3 | 183.6 | 230.7 | 349.8 | 442.2 | 423.9 | 577.3 | 665.3 | |
| 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 (%) | 2.7 | 2.8 | 13.4 | 5.1 | -0.3 | 3.2 | 15.7 | 13.8 | 2.8 | 15.5 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -23.8% | -33.1% | 23.1% | 428.2% | ||||||||
| Adj EPS | 56% | NA | 18.1% | 518.1% | ||||||||
| BVPS | 30% | 25.8% | 18.2% | 36.2% | ||||||||
| Share Price | 29.8% | 47.1% | 23.7% | 78.4% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Margins | ||||||||||||
| Net Profit Margin (%) | 0.1 | 0.4 | 1.4 | 0.7 | -0.1 | 1 | 100.6 | 89.1 | 69.3 | 80.1 | 73 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 3.1 | 3.3 | 16.1 | 5.8 | -0.3 | 4.1 | 19.2 | 16.6 | 3.3 | 18.3 | 13.4 | |
Return on Equity has increased versus last 3 years average to 14.30%
Total Income has increased 23.05 CAGR in last 3 years
Net Profit has increased 18.14 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 88.9 | 90.1 |
| TTM Sales (₹ Cr.) | 414 | 419 |
| BVPS (₹.) ⓘ | 665.3 | 950.8 |
| Reserves (₹ Cr.) ⓘ | 2,229 | 3,200 |
| P/BV ⓘ | 0.57 | 0.40 |
| PE ⓘ | 4.30 | 4.24 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 187.50 / 451.95 |
| All Time Low / High (₹) | 2.20 / 451.95 |
| Market Cap (₹ Cr.) | 1,301 |
| Equity (₹ Cr.) | 34 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 46.4 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 4,624 | 1,917 | 2,692 | 2,093 | 2,974 | 3,354 | 215 | 286 | 77 | 411 |
| Interest Income | 4,623 | 1,913 | 2,692 | 2,093 | 2,974 | 3,354 | 215 | 286 | 76 | 400 |
| Other Income ⓘ | 0 | 4 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 11 |
| Expenditure ⓘ | 4,616 | 1,909 | 2,630 | 2,069 | 2,986 | 3,367 | 13 | 20 | 24 | 29 |
| Interest Expense ⓘ | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 4,615 | 1,906 | 2,628 | 2,068 | 2,972 | 3,365 | 11 | 18 | 20 | 24 |
| Provisions | 1 | 1 | 2 | 1 | 14 | 2 | 1 | 2 | 4 | 5 |
| Exceptional Items ⓘ | 0 | 0 | -12 | -6 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 7 | 8 | 51 | 18 | -11 | -12 | 202 | 267 | 54 | 381 |
| Taxes ⓘ | 1 | 1 | 13 | 4 | -10 | -45 | -14 | 12 | 1 | 61 |
| Profit After Tax | 6 | 7 | 37 | 15 | -2 | 32 | 216 | 254 | 52 | 320 |
| Adjusted EPS (₹) | 1.7 | 1.8 | 9.7 | 3.8 | -0.4 | 8.4 | 55.8 | 65.8 | 14.9 | 92.0 |
| Dividend Payout Ratio (%) | 0% | 0% | 10% | 26% | -238% | 18% | 3% | 2% | 10% | 3% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 210 | 217 | 250 | 260 | 710 | 892 | 1,352 | 1,710 | 1,493 | 2,009 |
| Share Capital ⓘ | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 39 | 35 | 35 |
| Reserves ⓘ | 172 | 179 | 211 | 222 | 671 | 853 | 1,314 | 1,671 | 1,458 | 1,974 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 31 | 23 | 48 | 17 | 225 | 216 | 282 | 331 | 259 | 355 |
| Current Liabilities | 1 | 18 | 5 | 6 | 4 | 5 | 3 | 5 | 8 | 8 |
| Trade Payables | 0 | 1 | 0 | 1 | 2 | 2 | 0 | 0 | 0 | 0 |
| Short term borrowings | 1 | 17 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Other Liabilities | -1 | -18 | 0 | -1 | -2 | -3 | 0 | -1 | -1 | 0 |
| Total Liabilities ⓘ | 242 | 258 | 303 | 283 | 939 | 1,113 | 1,637 | 2,046 | 1,760 | 2,372 |
Assets | ||||||||||
| Non Current Asset | 203 | 236 | 290 | 268 | 912 | 1,067 | 1,430 | 1,847 | 1,571 | 2,170 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 203 | 236 | 290 | 268 | 912 | 1,067 | 1,430 | 1,847 | 1,571 | 2,170 |
| Current Asset | 39 | 22 | 13 | 15 | 27 | 46 | 207 | 199 | 190 | 202 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 39 | 22 | 13 | 15 | 27 | 46 | 207 | 199 | 190 | 202 |
| Total Assets ⓘ | 242 | 258 | 303 | 283 | 939 | 1,113 | 1,637 | 2,046 | 1,760 | 2,372 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 2 | 2 | 10 | 4 | 0 | 8 | 56 | 66 | 15 | 92 |
| DPS (₹) | 0 | 0 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 3 |
| BVPS (₹) | 54 | 56 | 65 | 67 | 184 | 231 | 350 | 442 | 424 | 577 |
Performance Ratios | ||||||||||
| ROA (%) | 2.7 | 2.8 | 13.4 | 5.1 | -0.3 | 3.2 | 15.7 | 13.8 | 2.8 | 15.5 |
| ROE (%) | 3.1 | 3.3 | 16.1 | 5.8 | -0.3 | 4.1 | 19.2 | 16.6 | 3.3 | 18.3 |
| ROCE (%) | 3.6 | 4.5 | 21.0 | 7.2 | -2.3 | -1.5 | 18.0 | 17.4 | 3.4 | 21.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.6 | 0.6 | 1.0 | 1.0 | 0.3 | 0.1 | 0.2 | 0.4 | 0.4 | 0.4 |
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
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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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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