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.

Should I buy, sell or hold VLS Finance?

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.

Why is VLS Finance Ltd falling/rising?

As of 06-Feb, VLS Finance Ltd's stock price is declining to 270.40, down 0.77%, following a trend reversal after two days of gains. Weak fundamentals, significant declines in sales and profits, and reduced investor participation contribute to this challenging environment.

As of 06-Feb, VLS Finance Ltd's stock price is falling, currently at 270.40, reflecting a decrease of 2.1 points or 0.77%. This decline follows a trend reversal after two consecutive days of gains. The stock has underperformed its sector by 1.39% today, indicating a weaker performance relative to its peers.<BR><BR>Several factors contribute to this downward movement. The company has reported weak long-term fundamental strength, with an average Return on Equity (ROE) of only 8.41%. Additionally, net sales have plummeted at an annual rate of -52.60%, and operating profit has seen a drastic decline of -184.91%. Recent quarterly results have been particularly concerning, with earnings per share (EPS) falling by -86.1%, and net sales for the last quarter dropping by -86.70%. The profit before tax (PBT) has also fallen significantly by -93.41%, and the profit after tax (PAT) has decreased by -86.1%.<BR><BR>Investor participation appears to be declining, as evidenced by a 41.54% drop in delivery volume compared to the five-day average. Although the stock is trading above its 5-day, 100-day, and 200-day moving averages, it remains below the 20-day and 50-day moving averages, suggesting a lack of momentum. Furthermore, the stock is considered risky due to negative EBITDA and has generated a return of -1.53% over the past year, while profits have decreased by -106.5%. These factors collectively indicate a challenging environment for VLS Finance Ltd, contributing to its falling stock price.

Which are the latest news on VLS Finance?