V L S Finance Limited (VLSFINANCE) AI Stock Analysis

• Market Cap: ₹7.11B
• Dividend Yield: 0.71%
• Average Volume (3M): 2.87K
• Price to Earnings (P/E): 31.8
• Beta (1Y): 1.42
• Revenue Growth: -82.51%
• EPS Growth: -92.88%
• Country: IN
• Employees: 35
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): N/A
• Shares Outstanding: 33,410,240
• 10 Day Avg. Volume: 1,366
• 30 Day Avg. Volume: 2,870
• PEG Ratio: -0.18
• Price to Book (P/B): 0.30
• Price to Sales (P/S): 6.75
• P/FCF Ratio: 3.35
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 58 Neutral
• Price Target: ₹227.00 ▲(6.60% Upside)

V L S Finance Limited's overall stock score is primarily influenced by its strong balance sheet and effective cash flow management. However, the stock faces challenges due to declining profitability and weak technical indicators. The high P/E ratio suggests potential overvaluation, and the low dividend yield offers limited income potential.

V L S Finance Limited Business Overview & Revenue Model

Company Description

V L S Finance Limited (VLSFINANCE) is a financial services company specializing in providing a range of financial solutions, including personal loans, business financing, and investment advisory services. Operating primarily in the consumer finance and corporate finance sectors, VLSFINANCE aims to empower individuals and businesses by offering tailored financial products that meet their unique needs. The company's commitment to customer service and financial education positions it as a trusted partner in the financial landscape.

How the Company Makes Money

VLSFINANCE generates revenue through several key streams. Primarily, the company earns interest income from the loans it provides to both consumers and businesses, which typically includes personal loans, business loans, and lines of credit. Additionally, VLSFINANCE may charge fees for loan origination, late payments, and other financial services. The company also generates income through investment advisory services, earning management fees and commissions from clients who invest through its platform. Significant partnerships with banks and financial institutions may provide VLSFINANCE with access to capital at competitive rates, thereby enhancing its lending capabilities and profitability.

V L S Finance Limited Financial Statement Overview

Summary

V L S Finance Limited demonstrates a stable financial position with a strong balance sheet and effective cash flow management. However, income statement metrics reveal challenges with revenue stability and declining profitability, suggesting a need for strategic initiatives to enhance income generation and reduce volatility.

Income Statement

V L S Finance Limited shows significant volatility in revenue, with a substantial decline in the latest year compared to previous periods. The gross profit margin is robust at 95.71% for the latest year, indicating efficient cost management, but net profits have decreased significantly, resulting in a net profit margin of 42.75%. This suggests challenges in maintaining profitability, possibly due to fluctuating revenues and inconsistent EBIT and EBITDA margins.

Balance Sheet

The company maintains a strong balance sheet with a very low debt-to-equity ratio of 0.0003, indicating minimal leverage and a conservative capital structure. The equity ratio is healthy at 91.20%, reflecting strong equity financing and asset base. Return on equity is solid at 1.87%, but there is room for improvement in generating returns for shareholders.

Cash Flow

Cash flows are well-managed, with operating cash flow comfortably exceeding net income, reflecting strong cash-generating ability. Free cash flow growth is positive, supporting potential future investments. The free cash flow to net income ratio is high at 4.72, indicating effective cash conversion from earnings.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	872.39M	1.08B	3.87B	263.39M	2.32B	2.22B
Gross Profit	867.59M	1.03B	3.77B	205.93M	228.69M	2.22B
EBITDA	731.93M	829.12M	3.91B	624.34M	2.10B	2.08B
Net Income	534.09M	462.04M	3.24B	559.71M	2.10B	2.21B
Balance Sheet
Total Assets	27.11B	27.11B	35.52B	30.63B	36.85B	30.68B
Cash, Cash Equivalents and Short-Term Investments	3.38B	3.38B	2.06B	1.53B	1.91B	1.91B
Total Debt	8.62M	8.62M	5.67M	18.05M	24.13M	0.00
Total Liabilities	2.39B	2.39B	5.70B	5.62B	7.20B	6.33B
Stockholders Equity	24.72B	24.72B	29.83B	25.01B	29.65B	24.31B
Cash Flow
Free Cash Flow	0.00	2.18B	1.53B	49.70M	1.45B	1.63B
Operating Cash Flow	0.00	2.18B	1.94B	73.09M	1.65B	1.66B
Investing Cash Flow	0.00	1.20B	-1.97B	269.14M	-1.85B	-722.50M
Financing Cash Flow	0.00	-433.10M	-125.13M	-677.91M	-107.31M	-57.99M

V L S Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 212.95
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VLSFINANCE, the sentiment is Negative. The current price of 212.95 is below the 20-day moving average (MA) of 216.72, below the 50-day MA of 219.69, and below the 200-day MA of 235.25, indicating a bearish trend. The MACD of -1.23 indicates Positive momentum. The RSI at 41.07 is Neutral, neither overbought nor oversold. The STOCH value of 33.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:VLSFINANCE.

V L S Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PRIMESECU	74 Outperform	₹10.22B	30.71	―	0.50%	34.10%	-15.20%
BIRLAMONEY	72 Outperform	₹9.07B	16.01	―	―	-6.37%	-24.10%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ARIHANTCAP	65 Neutral	₹10.50B	19.96	―	0.50%	-27.65%	-44.96%
CSLFINANCE	64 Neutral	₹6.07B	7.99	―	1.15%	21.83%	7.57%
THEINVEST	64 Neutral	₹7.33B	18.66	―	―	-9.21%	-48.40%
VLSFINANCE	58 Neutral	₹7.11B	31.79	―	0.71%	-82.51%	-92.88%

V L S Finance Limited Corporate Events

VLS Finance Limited Concludes 38th AGM with Key Resolutions

VLS Finance Limited held its 38th Annual General Meeting (AGM) on September 27, 2025, through video conferencing. The meeting was chaired by Vice-Chairman Shri Gaurav Goel, with the presence of the Chairman of the Audit Committee and the Nomination and Remuneration Committee. The AGM included discussions on the company’s performance, e-voting procedures, and the inspection of documents. Key resolutions passed included the adoption of financial statements, approval of a final dividend, and re-appointments of directors and auditors.