VLS Finance

how big is VLS Finance?

As of March 2024, VLS Finance Ltd has a market capitalization of 863.64 Cr, with net sales of 103.01 Cr and net profit of 46.20 Cr over the latest four quarters. Shareholder's funds are 2,982.64 Cr, and total assets amount to 3,552.43 Cr.

Market Cap: VLS Finance Ltd has a market capitalization of 863.64 Cr, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 103.01 Cr, and the sum of Net Profit for the latest 4 quarters is 46.20 Cr. This data is Consolidated.<BR><BR>Balance Sheet Snapshot: This is Consolidated data for the latest annual period ending in March 2024. Shareholder's Funds are reported at 2,982.64 Cr, and Total Assets amount to 3,552.43 Cr.

What does VLS Finance do?

VLS Finance Ltd is a Non Banking Financial Company (NBFC) operating in the Micro Cap market, formerly known as Vardhman Leasing and Services Limited. As of March 2025, it reported net sales of -49 Cr and a net profit of -40 Cr, with a market cap of Rs 864 Cr.

Overview: <BR>VLS Finance Ltd operates as a Non Banking Financial Company (NBFC) within the Micro Cap market segment.<BR><BR>History: <BR>Incorporated in January 1986, VLS Finance Ltd was formerly known as Vardhman Leasing and Services Limited. The company voluntarily surrendered its Certificate of Registration with the RBI, effective from January 29, 2014. It subsequently gained membership of the Bombay Stock Exchange, approved on May 14, 2014. The most recent quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: -49 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -40 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 864 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 18.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 1.02% <BR>Debt Equity: 0.00 <BR>Return on Equity: 1.87% <BR>Price to Book: 0.34 <BR><BR>Contact Details: <BR>Address: 2nd Floor 13 Sant Nagar, East of Kailash New Delhi New Delhi : 110065 <BR>Tel: 91-11-46656666 <BR>Email: vls@vsnl.com <BR>Website: http://www.vlsfinance.com

Has VLS Finance declared dividend?

Yes, VLS Finance Ltd has declared a 15% dividend, amounting to 1 per share, with an ex-date of September 20, 2024. While recent returns have been negative, the company has shown significant growth over the longer term, particularly with a total return of 475.43% over the past five years.

VLS Finance Ltd has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1 per share<BR>- Ex-date: 20 Sep 24<BR><BR>Dividend Yield: 1.02%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was -33.16%, the dividend return was 0%, resulting in a total return of -33.16%.<BR><BR>Over the past year, the price return was -1.65%, the dividend return was 0.38%, leading to a total return of -1.27%.<BR><BR>In the 2-year period, the price return was 54.51%, the dividend return was 1.63%, culminating in a total return of 56.14%.<BR><BR>For the 3-year period, the price return was 56.84%, the dividend return was 2.95%, which resulted in a total return of 59.79%.<BR><BR>In the last 4 years, the price return was 99.36%, the dividend return was 3.48%, giving a total return of 102.84%.<BR><BR>Over the 5-year period, the price return was 461.17%, the dividend return was 14.26%, leading to an impressive total return of 475.43%.<BR><BR>Overall, VLS Finance Ltd has declared a dividend, and while recent returns over shorter periods have been negative, the longer-term returns indicate significant growth, particularly in the 5-year period.

Who are the peers of the VLS Finance?

VLS Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Last Mile Enter., The Invest.Trust, CSL Finance, STEL Holdings, and A.K.Capital Serv. VLS Finance has below average management risk and a 1-year return of -3.78%, higher than Last Mile Enter. but lower than its other peers.

Peers: The peers of VLS Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Last Mile Enter., The Invest.Trust, CSL Finance, STEL Holdings, and A.K.Capital Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, CSL Finance, and STEL Holdings. Good management risk is noted at Shriram Finance, while Below Average management risk is present at VLS Finance, Last Mile Enter., The Invest.Trust, and A.K.Capital Serv. Growth is Excellent at Jio Financial, Good at Bajaj Finance, Cholaman.Inv.&Fn, VLS Finance, Shriram Finance, and CSL Finance, while Average growth is seen at Last Mile Enter. and Muthoot Finance, and Below Average growth is noted at The Invest.Trust, STEL Holdings, and A.K.Capital Serv. Capital Structure is Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, VLS Finance, Last Mile Enter., The Invest.Trust, CSL Finance, STEL Holdings, and A.K.Capital Serv., while Good is observed at Cholaman.Inv.&Fn.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.41%, while the lowest is Last Mile Enter. at -74.29%. VLS Finance's 1-year return is -3.78%, which is higher than Last Mile Enter. but lower than all other peers. Additionally, the six-month return is negative for Last Mile Enter., VLS Finance, and A.K.Capital Serv.

Who are in the management team of VLS Finance?

As of March 2022, the management team of VLS Finance includes Ajit Kumar (Chairman), S K Agarwal (Managing Director), H Consul (Company Secretary), K K Soni (CFO), M P Mehrotra (Executive Vice Chairman), Dinesh Kumar Mehrotra (Independent Director), Vikas Mehrotra (Managing Director), and Divya Mehrotra (Director). They oversee the company's operations and strategic direction.

As of March 2022, the management team of VLS Finance includes the following individuals:<BR><BR>1. Ajit Kumar - Chairman & Independent Director<BR>2. S K Agarwal - Managing Director<BR>3. H Consul - Company Secretary & Compliance Officer<BR>4. K K Soni - Director (Finance) & CFO<BR>5. M P Mehrotra - Executive Vice Chairman<BR>6. Dinesh Kumar Mehrotra - Independent Director<BR>7. Vikas Mehrotra - Managing Director<BR>8. Divya Mehrotra - Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

Who are the top shareholders of the VLS Finance?

The top shareholders of VLS Finance include Vls Capital Ltd. with 39.21%, individual investors with 38.85%, and Prateek Bansal holding 2.36%. Additionally, 42 foreign institutional investors own a combined 1.99%, with no pledged promoter holdings.

The top shareholders of VLS Finance include Vls Capital Ltd., which holds the largest stake at 39.21%. Additionally, individual investors collectively own 38.85% of the company. Among public shareholders, Prateek Bansal is notable with a holding of 2.36%. The company also has 42 foreign institutional investors (FIIs) holding a combined 1.99%. There are no pledged promoter holdings, indicating a strong position among the promoters.

Are VLS Finance latest results good or bad?

VLS Finance's latest results are concerning, showing an 86.70% year-on-year revenue drop and an 86.11% decline in net profit, indicating significant challenges and vulnerabilities in its business model. Investors should be cautious due to poor operational efficiency and heavy reliance on other income for profitability.

VLS Finance's latest results are concerning, indicating a significant decline in financial performance. In the second quarter of FY26, the company experienced an alarming 86.70% year-on-year drop in revenue, falling to ₹10.53 crores from ₹79.18 crores. This dramatic revenue collapse raises serious questions about the sustainability of its business model.<BR><BR>Net profit also saw a substantial decrease, down 86.11% to ₹7.10 crores compared to the same quarter last year. While the profit margin remains relatively healthy at 67.88%, this is overshadowed by the severe contraction in revenue.<BR><BR>The company's operational efficiency appears to be struggling, with a return on equity (ROE) of just 1.87%, which is significantly below acceptable levels for financial services firms. Additionally, the dependency on other income for profitability—accounting for a large portion of profit before tax—further complicates the outlook.<BR><BR>Overall, the results highlight critical vulnerabilities and suggest that VLS Finance is facing significant challenges that investors should carefully consider. The combination of declining revenues, poor capital efficiency, and lack of institutional interest makes the current financial situation appear quite negative.

Is VLS Finance technically bullish or bearish?

As of December 3, 2025, the trend is bullish with moderate strength, supported by bullish MACD, Bollinger Bands, and moving averages, although the weekly RSI indicates some short-term weakness.

As of 3 December 2025, the technical trend has changed from sideways to bullish. The current stance is bullish with moderate strength. Key indicators driving this include a bullish MACD on the weekly timeframe, bullish Bollinger Bands on both weekly and monthly timeframes, and bullish moving averages on the daily timeframe. However, the weekly RSI is bearish, indicating some short-term weakness. Overall, the combination of bullish signals in the moving averages and Bollinger Bands supports the bullish outlook, despite some mixed signals in the MACD and RSI.

How has been the historical performance of VLS Finance?

VLS Finance experienced significant declines in net sales and operating profit from March 2024 to March 2025, with net sales dropping from INR 407.02 crore to INR 103.03 crore. Despite reduced profits, the company reported improved cash flow from operating activities, rising to INR 200 crore.

Answer:<BR>The historical performance of VLS Finance shows significant fluctuations in key financial metrics over the years.<BR><BR>Breakdown:<BR>VLS Finance's net sales experienced a notable decline from INR 407.02 crore in March 2024 to INR 103.03 crore in March 2025, following a peak of INR 407.02 crore in the previous year. The total operating income mirrored this trend, dropping from INR 407.02 crore in March 2024 to INR 103.03 crore in March 2025. Operating profit, excluding other income, decreased sharply to INR 57.94 crore in March 2025 from INR 380.96 crore in March 2024. Despite this decline, profit before tax remained relatively stable at INR 58.36 crore in March 2025 compared to INR 386.23 crore in March 2024. Profit after tax also saw a decrease to INR 46.20 crore in March 2025 from INR 324.33 crore in March 2024. The company's total assets fell from INR 3,552.43 crore in March 2024 to INR 2,710.61 crore in March 2025, while total liabilities also decreased from INR 3,552.43 crore to INR 2,710.61 crore during the same period. Cash flow from operating activities improved to INR 200 crore in March 2025, up from INR 194 crore in March 2024, contributing to a net cash inflow of INR 293 crore in March 2025. Overall, VLS Finance's financial performance reflects a challenging year with significant reductions in sales and profits, yet a positive cash flow from operations.

Is VLS Finance overvalued or undervalued?

As of December 4, 2025, VLS Finance is considered overvalued with a negative PE ratio of -55.91 and an EV to EBITDA ratio of -33.73, despite recent stock performance outpacing the Sensex.

As of 4 December 2025, the valuation grade for VLS Finance has moved from risky to very expensive, indicating a significant shift in its perceived value. The company is currently overvalued, as evidenced by its negative PE ratio of -55.91 and EV to EBITDA ratio of -33.73, both of which suggest substantial concerns regarding profitability. Additionally, the Price to Book Value stands at 0.42, which, while indicating some asset backing, is overshadowed by the overall negative financial metrics.<BR><BR>In comparison to its peers, VLS Finance's valuation appears starkly unfavorable. For instance, Bajaj Finance has a PE ratio of 34.9, while Life Insurance boasts a PE of 10.85, both reflecting much healthier valuations. The company’s recent stock performance has outpaced the Sensex over the past week and month, with returns of 7.04% and 50.67%, respectively, but this does not mitigate the underlying valuation concerns. Overall, VLS Finance is positioned as overvalued in the current market landscape.

When is the next results date for VLS Finance Ltd?

The next results date for VLS Finance Ltd is 15 February 2026.

The next results date for VLS Finance Ltd is scheduled for 15 February 2026.

Should I buy, sell or hold VLS Finance Ltd?

Why is VLS Finance Ltd falling/rising?

As of 17-Mar, VLS Finance Ltd's stock price is declining, currently at 226.35, with a total drop of 5.47% over the last four days. The stock is trading below all key moving averages, indicating bearish momentum and weak investor confidence, compounded by poor long-term financial indicators.

As of 17-Mar, VLS Finance Ltd's stock price is falling, currently at 226.35, reflecting a decrease of 0.35 (-0.15%). The stock has been underperforming significantly, with a consecutive decline over the last four days, resulting in a total drop of 5.47% during this period. This trend is compounded by the fact that VLS Finance is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish momentum.<BR><BR>Investor participation has also decreased, as evidenced by a delivery volume of 9.26k on 16 March, which is down by 7.7% compared to the 5-day average. This decline in trading activity suggests a lack of confidence among investors. Furthermore, the stock has underperformed its sector by 0.95% today.<BR><BR>While the company reported positive results in December 2025, including significant growth in net sales and profit before tax, these improvements are overshadowed by weak long-term fundamentals. The average return on equity (ROE) stands at a low 8.41%, and the stock's valuation is considered expensive relative to its peers, with a price-to-book value of 0.3. Additionally, despite a 15.66% return over the past year, the company's profits have plummeted by 64.7%, raising concerns about its sustainability and growth prospects.<BR><BR>Overall, the combination of recent price declines, poor investor sentiment, and weak long-term financial indicators contributes to the falling stock price of VLS Finance Ltd.

Why is VLS Finance Ltd falling/rising?

As of 18-Mar, VLS Finance Ltd's stock price is rising to 228.90, reflecting a 1.78% increase after a trend reversal. However, it has experienced declines over the past week and month, and investor participation has decreased significantly, indicating potential challenges ahead.

As of 18-Mar, VLS Finance Ltd's stock price is rising, currently at 228.90, reflecting a change of 4.0 (1.78%) upward. This increase comes after a trend reversal, as the stock has gained after four consecutive days of decline. Additionally, the stock outperformed its sector by 0.43% today, indicating a relative strength compared to its peers.<BR><BR>Despite this positive movement, it is important to note that VLS Finance has been experiencing a downward trend over the past week and month, with declines of 4.41% and 12.58%, respectively. Furthermore, the stock is trading below its moving averages across various time frames, which suggests a longer-term bearish sentiment. <BR><BR>Investor participation has also decreased, with delivery volume falling by 53.12% compared to the 5-day average, indicating reduced interest from investors. However, the stock's liquidity remains adequate for trading purposes. Overall, while the stock is currently rising, it faces challenges from recent performance trends and declining investor engagement.

Why is VLS Finance Ltd falling/rising?

As of 19-Mar, VLS Finance Ltd's stock price is Rs 223.00, down 2.9%, and has significantly underperformed the Sensex with a year-to-date decline of 25.18%. The stock is trading below all major moving averages, indicating a bearish trend amid broader sector declines.

As of 19-Mar, VLS Finance Ltd's stock price is falling, currently at Rs 223.00, which reflects a decrease of Rs 6.65 or 2.9%. This decline is part of a broader trend, as the stock has underperformed compared to the Sensex over various periods, including a 1-week drop of 3.44% and a 1-month decline of 16.07%. Year-to-date, the stock has fallen by 25.18%, significantly worse than the Sensex's 12.92% decline.<BR><BR>Additionally, the stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. The finance/NBFC sector has also seen a decline of 3.85%, which may be contributing to the downward pressure on VLS Finance Ltd's stock price. Despite a rise in investor participation, with a 47.55% increase in delivery volume on March 18, the overall market conditions and sector performance suggest that the stock is facing challenges, leading to its current price drop.

Why is VLS Finance Ltd falling/rising?

As of 20-Mar, VLS Finance Ltd's stock price is at 223.05, reflecting a minor increase today but significant declines over the past week, month, and year-to-date. The stock is underperforming compared to the Sensex and shows a bearish trend with reduced investor participation.

As of 20-Mar, VLS Finance Ltd's stock price is experiencing a slight rise, currently at 223.05, with a change of 0.05 (0.02%) upwards. Despite this minor increase, the stock has shown a negative performance over various time frames, including a decline of 2.62% over the past week and a significant drop of 14.21% over the past month. Year-to-date, the stock has decreased by 25.16%, which is notably worse than the Sensex's decline of 12.54% during the same period.<BR><BR>Today's performance indicates that VLS Finance has outperformed its sector by 0.59%, yet it is trading below its moving averages across all time frames from 5 days to 200 days, suggesting a bearish trend. Additionally, there has been a decrease in investor participation, with delivery volume falling by 16.64% compared to the 5-day average. This decline in trading activity may contribute to the stock's overall negative sentiment.<BR><BR>In summary, while there is a slight uptick in the stock price today, the broader context shows significant declines in performance over the past weeks and months, alongside reduced investor engagement, which may overshadow the current rise.

Why is VLS Finance Ltd falling/rising?

As of 23-Mar, VLS Finance Ltd's stock price is at Rs 212.60, down 4.77%, with significant declines over the past week and month. The stock is underperforming its sector and trading below key moving averages, indicating a bearish trend.

As of 23-Mar, VLS Finance Ltd's stock price is falling, currently at Rs 212.60, which reflects a decrease of Rs 10.65 or 4.77%. This decline is evident in the stock's performance over various periods, showing a 1-week drop of 6.22% and a 1-month decrease of 17.12%, significantly underperforming the benchmark Sensex, which fell by 3.72% and 12.72% respectively during the same periods. <BR><BR>Today's trading activity indicates that the stock has underperformed its sector by 0.97%. It reached an intraday low of Rs 212.60, and the weighted average price suggests that more volume was traded close to this low price. Additionally, VLS Finance is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. <BR><BR>Investor participation has also decreased, with delivery volume on March 20 falling by 41.77% compared to the 5-day average. The finance/NBFC sector overall has experienced a decline of 3.81%, contributing to the negative sentiment surrounding VLS Finance Ltd. Despite its historical performance over 3 years and 5 years showing positive returns, the current trends and metrics indicate a significant downward movement in the stock price.

Why is VLS Finance Ltd falling/rising?

As of 24-Mar, VLS Finance Ltd's stock price is rising by 1.9 (0.88%) to 217.15, despite a 15.98% decline over the past month and 27.14% year-to-date. The stock is trading below its moving averages, indicating a longer-term downward trend, but increased investor participation may be contributing to its current upward movement.

As of 24-Mar, VLS Finance Ltd's stock price is currently rising, with a change of 1.9 (0.88%) to a current price of 217.15. This increase comes despite the stock's recent underperformance, as it has declined by 15.98% over the past month and 27.14% year-to-date. Today's performance shows that the stock touched an intraday high of Rs 220.75, reflecting a 2.56% increase at that point.<BR><BR>However, it is important to note that VLS Finance Ltd is trading lower than its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This indicates a general downward trend in the stock's performance over a longer period. Additionally, while the finance/NBFC sector has gained by 2.45%, VLS Finance has underperformed its sector by 1.44% today.<BR><BR>On a positive note, there has been a significant increase in investor participation, with delivery volume rising by 91.54% compared to the 5-day average, which may contribute to the stock's current upward movement. Despite the overall negative trends, these factors suggest that the stock is experiencing a temporary rise amidst broader challenges.

Why is VLS Finance Ltd falling/rising?

As of 25-Mar, VLS Finance Ltd's stock price is at 217.90, showing a slight increase but a significant year-to-date decline of 26.89%. Despite recent gains, the stock underperformed its sector and is trading below key moving averages, indicating a bearish trend.

As of 25-Mar, VLS Finance Ltd's stock price is currently at 217.90, reflecting a slight increase of 0.75 (0.35%). Despite this recent uptick, the stock has shown a significant decline over various periods, with a year-to-date drop of 26.89% compared to a decline of 11.67% in the benchmark Sensex. Over the past month, the stock has decreased by 15.93%, while the Sensex has fallen by 8.51%. <BR><BR>Today, VLS Finance underperformed its sector by 2.57%, although it has experienced gains over the last two days, rising by 1.23% during this period. However, it is important to note that the stock is trading below its moving averages across multiple timeframes, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. <BR><BR>Investor participation has increased, with a delivery volume of 15.05k on March 24, which is up by 58.42% compared to the 5-day average. This suggests a growing interest in the stock, but the overall performance still reflects a challenging environment, particularly as the finance/NBFC sector has gained by 2.93%. <BR><BR>In summary, while VLS Finance Ltd has seen a minor rise in its stock price recently, the broader context shows significant declines over longer periods, underperformance against its sector, and trading below key moving averages, contributing to a mixed outlook for the stock.

Which are the latest news on VLS Finance?