V L S Finance Limited (IN:VLSFINANCE)
:VLSFINANCE
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V L S Finance Limited
(VLSFINANCE)
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Rating:60Neutral
Price Target:
₹251.00
▼(-17.42% Downside)
Action:Reiterated
Date:04/01/26
The score is supported by a strong balance sheet and healthy cash-flow quality, but is held back by weak price momentum (below key moving averages with negative MACD) and income-statement volatility that reflects declining profitability in the latest year. Valuation appears reasonable but the dividend yield offers limited support.
Positive Factors
Balance Sheet Strength
V L S Finance's extremely low leverage and high equity ratio provide durable financial flexibility. Minimal debt reduces refinancing and interest-rate vulnerability, supports sustained lending and investment activities, and creates a buffer to absorb credit losses or cyclical shocks over months to years.
Negative Factors
Revenue Volatility
A steep ~61% year-on-year revenue decline highlights material instability in core income streams. Persistent top-line volatility undermines predictability of interest and investment income, complicates underwriting and provisioning decisions, and can constrain sustainable growth and capital deployment over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
V L S Finance's extremely low leverage and high equity ratio provide durable financial flexibility. Minimal debt reduces refinancing and interest-rate vulnerability, supports sustained lending and investment activities, and creates a buffer to absorb credit losses or cyclical shocks over months to years.
Read all positive factors
V L S Finance Limited (VLSFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹7.05B
Dividend Yield0.52%
Average Volume (3M)2.87K
Price to Earnings (P/E)14.1
Beta (1Y)1.35
Revenue Growth-60.95%
EPS Growth-63.72%
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-0.18
Price to Book (P/B)0.30
Price to Sales (P/S)10.13
P/FCF Ratio3.35
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 provides various financial services in India. The company's corporate consulting and advisory services include private placement of equities, debentures, and preference shares and bonds with banks, financial institutions, forei...
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
45
Neutral
Balance Sheet
85
Very Positive
Cash Flow
78
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 619.07M | 720.68M | 3.78B | 263.39M | 279.99M | 2.20B |
| Gross Profit | 589.01M | 649.02M | 3.72B | 205.93M | 228.69M | 2.16B |
| EBITDA | -438.30M | 629.84M | 3.92B | 624.34M | 2.12B | 2.09B |
| Net Income | -327.29M | 462.04M | 3.24B | 559.71M | 2.10B | 2.21B |
Balance Sheet | ||||||
| Total Assets | 29.40B | 27.11B | 35.52B | 30.63B | 36.85B | 30.68B |
| Cash, Cash Equivalents and Short-Term Investments | 1.34B | 3.38B | 2.06B | 1.53B | 1.91B | 1.91B |
| Total Debt | 292.00K | 8.62M | 5.67M | 18.05M | 24.13M | 0.00 |
| Total Liabilities | 2.90B | 2.39B | 5.70B | 5.62B | 7.20B | 6.33B |
| Stockholders Equity | 26.50B | 24.72B | 29.83B | 25.01B | 29.65B | 24.31B |
Cash Flow | ||||||
| Free Cash Flow | -45.76M | 2.18B | 1.53B | 49.70M | 1.45B | 1.63B |
| Operating Cash Flow | -45.76M | 2.18B | 1.94B | 73.09M | 1.65B | 1.66B |
| Investing Cash Flow | -1.98B | 1.20B | -1.97B | 269.14M | -1.85B | -722.50M |
| Financing Cash Flow | -51.02M | -433.10M | -125.13M | -677.91M | -107.31M | -57.99M |
V L S Finance Limited Technical Analysis
Negative
303.95
Price Trends
231.87
Negative
252.93
Negative
246.97
Negative
Market Momentum
-1.36
Positive
43.35
Neutral
5.16
Positive
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 303.95 is above the 20-day moving average (MA) of 236.37, above the 50-day MA of 231.87, and above the 200-day MA of 246.97, indicating a bearish trend. The MACD of -1.36 indicates Positive momentum. The RSI at 43.35 is Neutral, neither overbought nor oversold. The STOCH value of 5.16 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹9.64B | 111.43 | ― | 0.51% | 38.84% | -30.98% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹5.14B | 8.12 | ― | 0.93% | 18.27% | 19.34% | |
60 Neutral | ₹7.05B | 14.11 | ― | 0.52% | -60.95% | -63.72% | |
59 Neutral | ₹7.65B | 7.31 | ― | ― | 2.33% | -21.22% | |
58 Neutral | ₹7.61B | 45.88 | ― | 0.53% | -23.04% | -49.08% | |
54 Neutral | ₹5.13B | 15.82 | ― | ― | -17.34% | -29.23% |
* Financial Sector Average
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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...
VLS Finance Clears Postal Ballot Resolutions; Director-Related Item Withdrawn After Resignation
Feb 1, 2026
VLS Finance Limited has announced the results of a postal ballot conducted via remote e-voting between December 31, 2025, and January 29, 2026, to seek shareholder approval on several resolutions. The company reported that all resolutions put to v...
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.