V L S Finance Limited (VLSFINANCE) AI Stock Analysis

• Market Cap: ₹10.31B
• Dividend Yield: 0.49%
• Average Volume (3M): 2.87K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.47
• Revenue Growth: -98.34%
• EPS Growth: -106.71%
• Country: IN
• Employees: 35
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 2.09
• 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: 54 Neutral
• Price Target: ₹315.00 ▲(2.04% Upside)

The overall stock score of 54 reflects a stable financial position with strong balance sheet and cash flow management, but is weighed down by challenges in revenue stability and declining profitability. Technical indicators suggest bullish momentum, though overbought signals caution against potential corrections. Valuation concerns are significant due to negative earnings and low dividend yield.

Positive Factors

Strong Balance Sheet

A strong balance sheet with minimal leverage provides financial stability and flexibility, allowing the company to withstand economic fluctuations and invest in growth opportunities.

Cash Flow Management

Effective cash flow management ensures the company can meet its obligations, reinvest in the business, and pursue strategic initiatives without relying heavily on external financing.

High Gross Profit Margin

A high gross profit margin indicates efficient cost management and pricing power, which can support profitability and competitive positioning in the long term.

Negative Factors

Declining Revenue

Declining revenue can impact the company's ability to sustain profitability and growth, necessitating strategic adjustments to stabilize and enhance revenue streams.

Decreasing Profitability

Decreasing profitability may hinder the company's ability to generate returns for shareholders and invest in future growth, requiring measures to improve operational efficiency and cost control.

Revenue Growth Challenges

Challenges in revenue growth reflect potential market or operational issues that could affect long-term business sustainability and necessitate strategic realignment to regain growth momentum.

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	512.26M	720.68M	3.78B	263.39M	279.99M	2.20B
Gross Profit	482.02M	649.02M	3.72B	205.93M	228.69M	2.16B
EBITDA	731.82M	629.84M	3.92B	624.34M	2.12B	2.09B
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: Positive
• Last Price: 308.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: 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 308.7 is above the 20-day moving average (MA) of 246.64, above the 50-day MA of 230.21, and above the 200-day MA of 232.56, indicating a bullish trend. The MACD of 23.38 indicates Negative momentum. The RSI at 81.61 is Negative, neither overbought nor oversold. The STOCH value of 88.08 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PRIMESECU	74 Outperform	₹10.22B	30.71	―	0.49%	34.10%	-15.20%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CSLFINANCE	66 Neutral	₹6.07B	7.99	―	1.05%	17.32%	13.66%
ARIHANTCAP	65 Neutral	₹10.50B	19.96	―	0.50%	-27.65%	-44.96%
BIRLAMONEY	63 Neutral	₹9.07B	16.01	―	―	-6.37%	-24.10%
THEINVEST	58 Neutral	₹7.33B	18.66	―	―	-9.21%	-48.40%
VLSFINANCE	54 Neutral	₹10.31B	-52.11	―	0.49%	-98.34%	-106.71%

V L S Finance Limited Corporate Events

VLS Finance Limited Announces Equity Share Buyback

VLS Finance Limited has announced a buyback of its equity shares, as per the regulations of the Securities and Exchange Board of India. The buyback will be conducted through the stock exchange mechanism, offering shareholders an opportunity to sell their shares at a premium price. This move is part of the company’s strategy to optimize its capital structure and enhance shareholder value.

VLS Finance Announces Director Appointment and Share Buyback

VLS Finance Limited’s board meeting on November 22, 2025, resulted in several key decisions, including the appointment of Shri Gaurav Goel as an Additional Non-Executive, Independent Director for a five-year term. Additionally, the board approved a buyback of up to 26,31,578 equity shares at Rs. 380 per share, amounting to Rs. 100 crore, representing 7.71% of the total paid-up equity share capital. This buyback will be conducted through a tender offer route, with the record date set for December 12, 2025. The buyback aims to enhance shareholder value and involves participation from a member of the promoter group.

VLS Finance Limited Announces Share Buyback and New Director Appointment

VLS Finance Limited announced the approval of a buyback of up to 26,31,578 equity shares, representing about 7.71% of its total paid-up equity share capital, at a price of Rs. 380 per share. The buyback will be conducted through a tender offer from existing shareholders as of the record date, December 12, 2025. Additionally, the company appointed Shri Gaurav Goel as a Non-Executive, Independent Director, and constituted a Buyback Committee to oversee the process. These strategic moves are expected to enhance shareholder value and strengthen the company’s market positioning.

VLS Finance Limited Announces Equity Share Buyback and New Director Appointment

VLS Finance Limited has announced a buyback of its equity shares, amounting to 7.71% of its total paid-up equity share capital, with a total buyback size not exceeding Rs. 100 crore. The buyback will be conducted through a tender offer route, targeting existing shareholders as of the record date, December 12, 2025. Additionally, the company has appointed Shri Gaurav Goel as an additional non-executive, independent director for a five-year term, subject to necessary approvals. This strategic move is expected to enhance shareholder value and strengthen the company’s governance structure.

VLS Finance Limited Announces New Director Appointment and Share Buyback Plan

VLS Finance Limited has announced the appointment of Mr. Gaurav Goel as a Non-Executive Independent Director, effective November 22, 2025. This strategic move is part of a broader decision made by the company’s Board of Directors during their recent meeting. Additionally, the company has approved a buyback of up to 26,31,578 equity shares, representing approximately 7.71% of its total paid-up equity share capital, at a price of Rs. 380 per share. This buyback is aimed at enhancing shareholder value and will be conducted through a tender offer route. The company has also constituted a Buyback Committee to oversee the process and appointed New Berry Capitals Private Limited as the manager to the buyback.

VLS Finance Limited Reports Stable Financial Performance for Q2 2025

VLS Finance Limited announced the approval of its unaudited financial results for the quarter and half-year ending September 30, 2025, during a board meeting. The results, which received an unmodified opinion from the auditors, indicate stable financial performance, suggesting a positive outlook for stakeholders and reinforcing the company’s strong position in the financial services sector.

VLS Finance Limited Reports Unaudited Financial Results for September 2025

VLS Finance Limited announced the approval of its unaudited financial results for the quarter and half year ending September 30, 2025, during a board meeting on November 9, 2025. The results, which include both standalone and consolidated figures, received an unmodified opinion from the company’s auditors, indicating no adverse comments. This announcement reflects the company’s compliance with SEBI regulations and its commitment to transparency in financial reporting, potentially reinforcing stakeholder confidence.

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.