V L S Finance Limited (IN:VLSFINANCE)
:VLSFINANCE
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V L S Finance Limited
(VLSFINANCE)
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Rating:57Neutral
Price Target:
₹233.00
▼(-23.34% Downside)
Action:Reiterated
Date:05/28/26
The score is primarily supported by a very strong, low-leverage balance sheet, but is held back by weak technical momentum (trading below key moving averages with a negative MACD) and a relatively expensive valuation (high P/E with low dividend yield).
Positive Factors
Very low leverage / strong balance sheet
Extremely low leverage and a large equity base materially reduce solvency and refinancing risk, giving the company durable financial flexibility to fund lending and investments through downturns and preserve capital, supporting long-term stability and optionality.
Negative Factors
Severe recent revenue decline
A >50% revenue decline is a structural red flag for an NBFC reliant on lending/investment income: it degrades scale economics, compresses absolute profits despite margins, and undermines predictability of future cash flows and sustainable growth over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low leverage / strong balance sheet
Extremely low leverage and a large equity base materially reduce solvency and refinancing risk, giving the company durable financial flexibility to fund lending and investments through downturns and preserve capital, supporting long-term stability and optionality.
Read all positive factors
V L S Finance Limited (VLSFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹7.43B
Dividend Yield0.52%
Average Volume (3M)2.87K
Price to Earnings (P/E)37.2
Beta (1Y)1.35
Revenue Growth-55.50%
EPS Growth-52.63%
CountryIN
Employees35
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)-9.50
Shares Outstanding30,778,664
10 Day Avg. Volume1,366
30 Day Avg. Volume2,870
Financial Highlights & Ratios
PEG Ratio-0.62
Price to Book (P/B)0.33
Price to Sales (P/S)14.46
P/FCF Ratio545.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
V L S Finance Limited Business Overview & Revenue Model
Company Description
VLS Finance Limited, an Indian financial services company established in New Delhi in 1986, offers a comprehensive range of services. The firm's expertise lies in corporate consulting and advisory, guiding clients through private placements of div...
How the Company Makes Money
VLS Finance Limited primarily makes money through NBFC-style investment and financing operations. Key revenue streams generally include: (1) interest income earned on loans and financing extended to customers/counterparties (the spread between its...
V L S Finance Limited Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
90
Very Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 619.07M | 480.93M | 720.68M | 3.78B | 263.39M | 279.99M |
| Gross Profit | 589.01M | 408.62M | 649.02M | 3.72B | 205.93M | 228.69M |
| EBITDA | -438.30M | 254.09M | 629.84M | 3.92B | 624.34M | 2.12B |
| Net Income | -327.29M | 217.51M | 462.04M | 3.24B | 559.71M | 2.10B |
Balance Sheet | ||||||
| Total Assets | 29.40B | 22.05B | 27.11B | 35.52B | 30.63B | 36.85B |
| Cash, Cash Equivalents and Short-Term Investments | 1.34B | 866.28M | 3.38B | 2.06B | 1.53B | 1.91B |
| Total Debt | 292.00K | 2.99M | 8.62M | 5.67M | 18.05M | 24.13M |
| Total Liabilities | 2.90B | 918.78M | 2.39B | 5.70B | 5.62B | 7.20B |
| Stockholders Equity | 26.50B | 21.13B | 24.72B | 29.83B | 25.01B | 29.65B |
Cash Flow | ||||||
| Free Cash Flow | -45.76M | 12.76M | 2.18B | 1.53B | 49.70M | 1.45B |
| Operating Cash Flow | -45.76M | 12.99M | 2.18B | 1.94B | 73.09M | 1.65B |
| Investing Cash Flow | -1.98B | -1.48B | 1.20B | -1.97B | 269.14M | -1.85B |
| Financing Cash Flow | -51.02M | -1.06B | -433.10M | -125.13M | -677.91M | -107.31M |
V L S Finance Limited Technical Analysis
Positive
303.95
Price Trends
235.01
Positive
241.18
Positive
247.16
Negative
Market Momentum
1.29
Negative
59.58
Neutral
89.02
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VLSFINANCE, the sentiment is Positive. The current price of 303.95 is above the 20-day moving average (MA) of 232.14, above the 50-day MA of 235.01, and above the 200-day MA of 247.16, indicating a neutral trend. The MACD of 1.29 indicates Negative momentum. The RSI at 59.58 is Neutral, neither overbought nor oversold. The STOCH value of 89.02 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:VLSFINANCE.
V L S Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹7.64B | 49.29 | ― | 0.56% | 9.76% | -74.05% | |
59 Neutral | ₹8.18B | 14.22 | ― | ― | 2.33% | -21.22% | |
58 Neutral | ₹7.65B | 22.16 | ― | 0.53% | -16.78% | -46.60% | |
57 Neutral | ₹7.43B | 37.22 | ― | 0.52% | -55.50% | -52.63% | |
53 Neutral | ₹6.36B | 213.78 | ― | ― | -0.69% | -18.15% | |
50 Neutral | ₹5.12B | 28.83 | ― | 0.24% | -24.56% | -80.19% |
* Financial Sector Average
IN:VLSFINANCE
V L S Finance Limited
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V L S Finance Limited Corporate Events
VLS Finance Confirms SEBI Dematerialisation Compliance for March 2026 Quarter
Apr 11, 2026
VLS Finance Limited has reported that it has obtained a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 31 March 2026. The certificate, issued by its registrar and s...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.