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Prices as of 8 Oct 2026 close · Not investment advice

VLS Finance Limited

NSE: VLSFINANCEInvestment Company

Share price

₹228.67

-0.57% close of 8 Oct 2026

Market cap ₹732 CrP/E 15.9

Business score

How strong the business is, in one number. The parts behind it are in Pro.

52

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹732 Cr

P/E ratio

15.9

P/B ratio

0.3

ROCE

1.0%

ROE

1.0%

Dividend yield

0.7%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹333.4552-week low ₹201.47

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step up at Sep 2020 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step up at Sep 2020 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 15.9× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 47.6×, across 5 companies. It is against its own five-year median of 3.2×, the 100th percentile of its own range.

Whether growth justifies the valuation

Its earnings are falling, so growth cannot justify the price.

Profit growthPrice per ₹1 profitPer 1% growth
VLS Finance Limited — this one-27%/yr15.9×—
Tata Investment Corporation Limited20%/yr72.1×₹3.6
Cholamandalam Financial Holdings Limited24%/yr9.8×₹0.41
TVS Holdings Limited40%/yr11.6×₹0.29
Maharashtra Scooters Limited17%/yr47.6×₹2.8
JSW Holdings Limited-23%/yr88.2×—

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Investment Company), it ranks 25 of 38 on returns, 31 of 34 on growth, 20 of 39 on margin. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 1.0% on capital, ahead of 34% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

Yes — Over the last five years it made ₹518 crore of cash from the business, spent ₹54 crore on plant and equipment, and returned ₹241 crore to lenders and shareholders. But only about 48 of every 100 rupees of profit it reported over 12 years arrived as cash — the rest is tied up. Its cash comes back faster than it used to: it went from being waiting 200 days for its cash to waiting 192 days for its cash.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 11 Aug 2026 · Consolidated · Unaudited

Revenue

₹124 Cr

Revenue vs last year

+24.8%

Net profit

₹96 Cr

Profit vs last year

+35.2%

Net margin

77.7%

EPS

₹30.59

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹732 Cr
Prev close
₹228.67
52w High
₹339
52w Low
₹199
Enterprise value
₹645 Cr
Beta
1.1
Price CAGR 1y
5.0%
Price CAGR 3y
6.0%
Price CAGR 5y
3.0%
Price CAGR 10y
12.0%

Ratios

Return on assets
1.0%
PEG ratio
-0.6
P/E ratio
15.9
P/B ratio
0.3
EV / EBITDA
15.4
Industry P/E
22.9
ROCE
1.0%
ROCE 5y average
5.4%
ROE
1.0%
Debt / Equity
0.0
Interest coverage
—
Dividend yield
0.7%
ROE 3y average
5.0%
ROE last year
1.0%

Annual P&L

Annual revenue
₹41 Cr
Annual profit
₹22 Cr
Operating margin
45.0%
Net profit margin
53.7%
EBITDA margin
43.9%
Sales growth 3y
-21.3%
Sales growth 5y
-28.7%
Profit growth 3y
-27.0%
Profit growth 5y
-37.0%
EPS
₹6.9
Sales growth TTM
-10.0%
Profit growth TTM
93.0%
Dividend payout
22.0%

Quarter P&L

Sales latest quarter
₹124 Cr
Profit latest quarter
₹96 Cr
YoY quarterly sales growth
25.4%
YoY quarterly profit growth
35.2%
OPM latest quarter
95.6%

Balance Sheet

Book Value
₹661
Face Value
₹10.0
Total debt
₹0 Cr
Total cash
₹87 Cr
Borrowings
₹0 Cr
Reserves / Equity
65.1

Cash Flow

Operating cash flow
-₹18 Cr
Free cash flow
-₹18 Cr
FCF yield
-2.5%
Net cash flow
-₹252 Cr

Shareholding

Promoter holding
56.4%
FII holding
1.3%
DII holding
0.0%
Public holding
42.3%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Jio Financial211.0567.51,39,3590.28830.3174.42,004.5227.31.9
Aditya Birla Cap371.0525.31,01,5890.001,223.940.112,179.528.28.7
Tata Inv.Corpn.608.0071.430,7620.55143.5-1.9151.74.31.6
Chola Financial1,384.309.725,9940.091,789.039.311,113.619.69.8
TVS Holdings11,533.3511.823,3340.731,173.681.917,076.234.016.9
Mah. Scooters12,078.1549.613,8041.793.3-90.65.4-81.51.1
JSW Holdings11,125.0098.712,3490.0021.59.234.615.00.5
VLS Finance226.1015.27090.6696.034.9123.625.41.0
Median448.0025.39810.0010.917.110.122.31.6

Competes with: Aditya Birla Capital Limited, Cholamandalam Financial Holdings Limited, JSW Holdings Limited, Jio Financial Services Limited, Maharashtra Scooters Limited, TVS Holdings Limited, Tata Investment Corporation Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales112841139813079-58-49991129-99124
Expenses666771715656665
Material Cost000000
Change in Inventories000000
Purchases of Stock-in-Trade000000
Employee Cost1.922.202.442.482.332.48
Other Expenses3.692.883.143.773.282.79
Operating Profit105781079112362-73-5493523-104118
OPM %94939592957895477996
Other Income262224-3323212
Exceptional items (within Other Income)000000
Interest0000000000000
Depreciation1112111111111
Profit before tax105821079112465-77-5394724-104119
Tax %131418192521-24-2525-226-2819
Net Profit927088749351-58-4071718-7596
EPS in Rs262025212715-17-12212.095.31-2431
Diluted EPS in Rs-12212.045.31-2231

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales4,6251,9152,6942,162158222232844091014164
Expenses4,6171,9072,6312,132281114212226452323
Material Cost0
Change in Inventories0
Purchases of Stock-in-Trade0
Employee Cost9.45
Other Expenses13
Operating Profit876330-12-420921262383561842
OPM %0.200.402.301.40-82-4794917494554565
Other Income15-5-0000009779
Exceptional items (within Other Income)00
Interest0200000000000
Depreciation0001111146443
Profit before tax8105830-13-520821058386582247
Tax %10102315-68-914-7-0416211
Net Profit794425-43922121056324462247
EPS in Rs1.842.29116.51-1.081057541493146.9314
Diluted EPS in Rs136.50
Dividend Payout %00915-931533931122

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
-32%
5 years
-29%
3 years
-21%
TTM
-10%

Compounded profit growth

10 years
14%
5 years
-37%
3 years
-27%
TTM
93%

Stock price CAGR

10 years
12%
5 years
3%
3 years
6%
1 year
5%

Return on equity

10 years
5%
5 years
5%
3 years
5%
Last year
1%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital393939393939393935353432
Reserves1952042432641,2471,7132,3932,9272,4652,9482,4382,082
Borrowings1170000011010
Other Liabilities3324411035043863771956257023892
Minority Interest-0.00-0.00
Total Liabilities2672833233131,6362,1893,0683,6853,0633,5522,7112,205
Fixed Assets711110101092892130126123
CWIP000247900000
Investments2112402732561,5712,0412,8033,4342,7513,1582,2111,936
Other Assets4942404451132247223221264373146
Total Assets2672833233131,6362,1893,0683,6853,0633,5522,7112,205

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-30-17-12-21-22-1041661657194170-18
Cash from Investing Activity274351730113-72-18527-197167-129
Cash from Financing Activity014-17-0-5-5-6-11-68-13-44-105
Net Cash Flow-216-43488-31-34-15293-252
Free Cash Flow-31-8-21-23-24-1081631545153170-18

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days010027139327915387
Inventory Days1112
Days Payable0001
Cash Conversion Cycle121127139327915387
Working Capital Days21122724,58320720062518256192
ROCE %432612-2-010821421

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters515151515252525252525656
FIIs0.400.520.741.062.142.031.991.931.911.301.321.26
DIIs0.030.030.030.030.030.030.040.040.040.310.080.03
Public494948484646464646464242
No. of Shareholders27,16627,06727,48028,04129,25228,56427,96027,33526,75926,94124,47823,975

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +4.5% (₹218.90 → ₹228.67)Brick size ₹7.35 (fixed)Bricks 52
₹200₹250₹300₹229Nov '25Jan '26Mar '26May '26Aug '26Oct '26
Price moved up one brickPrice moved down one brickLast close ₹228.67 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net debt from the filed balance sheet at the newest year end: Borrowings − Cash Equivalents − Investments (Current); negative = net cash

-87.00inr_cr

2026-03-31

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

News

News and filings about VLS Finance Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Investment Company
Classification
Financial Services › Investment Company
ISIN
INE709A01018

News impact

Big market events that reach VLS Finance Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

18 Sep 2026unspecified₹1.5
12 Sep 2025unspecified₹1.5
20 Sep 2024unspecified₹1.5
20 Sep 2024special₹1
22 Sep 2023unspecified₹1.5
21 Sep 2022unspecified₹1.5
22 Sep 2021unspecified₹1.5
2 Dec 2020unspecified₹1.5

Splits, bonuses & buybacks

  • daily-prices repair: 8 rows from NSE's archive (replace 1, delete 0, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.