VLS Finance

Why is VLS Finance Ltd falling/rising?

As of 20-Aug, VLS Finance Ltd's stock price is declining, currently at 251.00, with a total drop of 7.13% over the last six days. The stock has underperformed its sector and the broader market, indicating a bearish trend and reduced investor interest.

As of 20-Aug, VLS Finance Ltd's stock price is falling, currently at 251.00, reflecting a decrease of 1.1 (-0.44%). The stock has been on a downward trend, having lost value for the last six consecutive days, resulting in a total decline of 7.13% during this period. <BR><BR>In terms of performance compared to the broader market, VLS Finance Ltd has underperformed its sector by 0.76% today. Over the past week, the stock has decreased by 5.73%, while the Sensex has only fallen by 0.69%. Additionally, the stock's year-to-date performance shows a significant decline of 15.79%, compared to a 9.02% drop in the Sensex.<BR><BR>Investor participation has also diminished, with delivery volume on 19 August dropping by 43% against the five-day average, indicating reduced interest from investors. Furthermore, while the stock is trading above its 100-day moving average, it is below its 5-day, 20-day, 50-day, and 200-day moving averages, suggesting a bearish trend in the short to medium term. <BR><BR>Overall, the combination of consecutive declines, underperformance relative to the sector, and falling investor participation contributes to the ongoing decrease in VLS Finance Ltd's stock price.

Which are the latest news on VLS Finance?

Should I buy, sell or hold VLS Finance Ltd?

Who are in the management team of VLS Finance?

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).

The management team of VLS Finance includes the following key members:<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>If you have any more questions about VLS Finance or its management, feel free to ask!

What does VLS Finance do?

VLS Finance Ltd is a Non Banking Financial Company (NBFC) focused on the Micro Cap market, with a recent net sales of 124 Cr and a net profit of 96 Cr as of June 2026. The company, originally incorporated in 1986, is listed on the Bombay Stock Exchange and has a market cap of INR 850 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 as Vardhman Leasing and Services Limited, the company changed its name to VLS Finance Limited in September 1994. It voluntarily surrendered its Certificate of Registration with the RBI effective from January 29, 2014, and subsequently gained membership of the Bombay Stock Exchange on May 14, 2014. The latest reported quarter for net sales and profit is June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 124 Cr (Quarterly Results - Jun 2026)<BR>Net Profit: 96 Cr (Quarterly Results - Jun 2026)<BR>Market cap: INR 850 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 18.00<BR>Industry P/E: 21<BR>Dividend Yield: 0.60%<BR>Debt Equity: 0.00<BR>Return on Equity: 1.03%<BR>Price to Book: 0.40<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

Who are the peers of the VLS Finance?

VLS Finance's peers include STEL Holdings, Prime Securities, Capital India, and others, with varying management risks and growth rates. STEL Holdings leads in 1-year returns at 27.51%, while VLS Finance has a return of 13.06%.

Peers: The peers of VLS Finance are STEL Holdings, Prime Securities, Capital India, Finkurve Fin., Hexa Tradex, Fedders Holding, Yogi Ltd, Aryaman Fin.Serv, Laxmi India Fin., and Cons. Finvest.<BR><BR>Quality Snapshot: Excellent management risk is observed at STEL Holdings, Prime Securities, Fedders Holding, Yogi Ltd, Aryaman Fin.Serv, Laxmi India Fin., and Cons. Finvest, while Average management risk is found at VLS Finance and the rest. Below Average management risk is noted for Capital India, Finkurve Fin., Hexa Tradex, and the rest. Growth is Excellent for Finkurve Fin., Fedders Holding, Yogi Ltd, and Laxmi India Fin., while Average growth is seen at Aryaman Fin.Serv and the rest. Below Average growth is attributed to VLS Finance, Capital India, Hexa Tradex, and the rest. Excellent capital structure is present in STEL Holdings, Prime Securities, Capital India, Finkurve Fin., VLS Finance, Fedders Holding, Yogi Ltd, Aryaman Fin.Serv, Laxmi India Fin., and Cons. Finvest, while Good capital structure is noted for Hexa Tradex.<BR><BR>Return Snapshot: The peer with the highest 1-year return is STEL Holdings at 27.51%, while the lowest is Capital India at -38.13%. VLS Finance's 1-year return is 13.06%, which is significantly higher than Capital India but lower than STEL Holdings. Additionally, Finkurve Fin., Capital India, Hexa Tradex, Yogi Ltd, Aryaman Fin.Serv, and Fedders Holding all have negative six-month returns.

How big is VLS Finance?

As of 14th August, VLS Finance Ltd has a market capitalization of 812.08 Cr, with recent net sales of 64.44 Cr and a net profit of 46.60 Cr. Shareholder's funds are 2,471.99 Cr and total assets amount to 2,710.61 Cr as of March 2025.

As of 14th August, VLS Finance Ltd has a market capitalization of 812.08 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, VLS Finance reported Net Sales of 64.44 Cr and a Net Profit of 46.60 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 2,471.99 Cr and Total Assets of 2,710.61 Cr.

Are VLS Finance Ltd latest results good or bad?

VLS Finance Ltd's latest results are concerning, showing a net profit loss of ₹74.54 crores and a staggering 438.79% decline in net sales, indicating severe operational challenges. Overall, the company's financial health is deteriorating, leading to a strong sell recommendation for investors.

The latest results for VLS Finance Ltd are quite concerning and can be classified as bad. In the fourth quarter of FY26, the company reported a net profit of -₹74.54 crores, which marks an alarming 87.15% decline year-over-year. Additionally, net sales were reported at -₹98.86 crores, reflecting a staggering 438.79% decrease compared to the previous quarter. This significant drop in sales indicates severe operational challenges and raises questions about the company's revenue recognition practices.<BR><BR>The company's operating profit before depreciation, interest, and tax (PBDIT) also fell to a loss of ₹104.46 crores, the lowest in its recent history. The return on equity (ROE) averaged only 8.41%, which is below the industry average, and the company's price-to-book value ratio stands at just 0.27x, suggesting that the market has little confidence in its asset quality or future earnings potential.<BR><BR>Overall, VLS Finance is facing fundamental deterioration, with technical weaknesses reflected in its stock performance, which has been under pressure, trading significantly below its 52-week high. The combination of negative revenue, mounting losses, and a bearish technical setup indicates a challenging environment for the company, leading to a strong sell recommendation for investors.

When is the next results date for VLS Finance Ltd?

The next results date for VLS Finance Ltd is 26 May 2026.

The next results date for VLS Finance Ltd is scheduled for 26 May 2026.

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.

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.

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.

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.