V L S Finance Limited (VLSFINANCE) AI Stock Analysis

• Market Cap: ₹7.74B
• Dividend Yield: 1.06%
• Average Volume (3M): 2.50K
• Price to Earnings (P/E): 34.0
• Beta (1Y): 1.33
• Revenue Growth: -82.51%
• EPS Growth: -92.75%
• Country: IN
• Employees: 35
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 20.84
• Shares Outstanding: 33,410,240
• 10 Day Avg. Volume: 3,070
• 30 Day Avg. Volume: 2,500
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ₹258.00
• Price Target Upside: 11.37% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ₹258.00 ▲(11.37% Upside)

V L S Finance Limited's overall stock score reflects its strong balance sheet and effective cash flow management, which support its stability. However, challenges with revenue volatility and profitability weigh on the score. Technical indicators suggest moderate performance, and the valuation is fair, with a modest dividend yield providing some income potential.

V L S Finance Limited Business Overview & Revenue Model

Company Description

V L S Finance Limited (VLSFINANCE) is a diversified financial services company based in India. The company operates primarily in the sectors of financial services and investment, offering a range of products including asset management, investment advisory, and financial consultancy services. VLSFINANCE aims to provide tailored financial solutions to meet the diverse needs of its clientele, which includes individual investors, corporations, and institutional clients.

How the Company Makes Money

V L S Finance Limited generates revenue through a variety of financial activities. The company earns income from asset management services by charging management and performance fees on the assets it manages for clients. Additionally, VLSFINANCE provides investment advisory services, where it earns fees for offering expert financial and investment advice. The company may also generate income from proprietary trading and investments in securities, which can include equities, bonds, and other financial instruments. Furthermore, VLSFINANCE may participate in strategic partnerships and joint ventures that contribute to its revenue through shared profits and business expansion opportunities. The company's diversified approach in financial services and investment ensures multiple revenue streams that support its financial stability and growth.

V L S Finance Limited Financial Statement Overview

Summary

The company shows a robust balance sheet with low leverage and strong equity financing. Cash flow management is effective with positive free cash flow growth. However, income stability is a concern due to volatile revenues and declining profitability, necessitating strategic improvements.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	2.33B	1.08B	3.87B	263.39M	279.99M	134.28M
Gross Profit	2.25B	1.03B	4.00B	205.93M	228.69M	88.61M
EBITDA	4.10B	829.12M	3.91B	645.61M	2.10B	2.08B
Net Income	3.26B	462.04M	3.24B	559.71M	2.10B	2.21B
Balance Sheet
Total Assets	0.00	27.11B	35.52B	30.63B	36.85B	30.68B
Cash, Cash Equivalents and Short-Term Investments	0.00	3.38B	2.06B	1.53B	1.91B	1.91B
Total Debt	0.00	8.62M	5.67M	18.05M	24.13M	200.46M
Total Liabilities	-29.83B	2.39B	5.70B	5.62B	7.20B	6.33B
Stockholders Equity	29.83B	24.72B	29.83B	25.01B	29.65B	24.31B
Cash Flow
Free Cash Flow	54.30M	2.18B	1.53B	49.70M	1.45B	1.63B
Operating Cash Flow	54.30M	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: 231.65
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 231.65 is below the 20-day moving average (MA) of 236.12, below the 50-day MA of 243.10, and below the 200-day MA of 277.96, indicating a bearish trend. The MACD of -3.69 indicates Negative momentum. The RSI at 47.72 is Neutral, neither overbought nor oversold. The STOCH value of 33.60 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
ARIHANTCAP	71 Outperform	₹10.02B	19.05		0.51%	-14.90%	-32.34%
BIRLAMONEY	69 Neutral	₹9.61B	13.13		―	4.68%	22.23%
Sector *	68 Neutral	$17.48B	11.72	10.44%	3.82%	10.01%	1.29%
CSLFINANCE	68 Neutral	₹7.02B	9.73		0.85%	29.01%	9.20%
THEINVEST	66 Neutral	₹8.16B	20.77		―	14.93%	21.86%
PRIMESECU	62 Neutral	₹9.13B	24.87		0.56%	46.98%	41.14%
VLSFINANCE	61 Neutral	₹7.74B	33.97		1.06%	-82.51%	-92.75%