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V L S Finance Limited
(VLSFINANCE)
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Rating:60Neutral
Price Target:
₹258.00
▲(2.10% Upside)
Action:Reiterated
Date:08/28/26
The score is supported primarily by a conservatively positioned, low-debt balance sheet and generally strong profitability, but is held back by pronounced revenue/cash-flow volatility and weak technical momentum (negative MACD, sub-50 RSI, and trading below key moving averages). Valuation is reasonable but not a major catalyst.
Positive Factors
Conservative Balance Sheet
Minimal leverage reduces solvency risk and interest burden, giving VLS Finance greater resilience through volatile investment conditions. The substantial equity base also preserves flexibility to fund financing activities without relying heavily on external borrowing.
Negative Factors
Declining Revenue Trend
Repeated revenue contraction indicates weak top-line momentum and limits the company’s ability to compound earnings. For an investment-focused NBFC, a smaller or less productive opportunity set could keep future profit growth uneven even with strong margins.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative Balance Sheet
Minimal leverage reduces solvency risk and interest burden, giving VLS Finance greater resilience through volatile investment conditions. The substantial equity base also preserves flexibility to fund financing activities without relying heavily on external borrowing.
Read all positive factors
V L S Finance Limited (VLSFINANCE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹7.52B
Dividend Yield1.65%
Average Volume (3M)1.33K
Price to Earnings (P/E)15.6
Beta (1Y)1.34
Revenue Growth-4.48%
EPS Growth134.30%
CountryIN
Employees35
SectorGeneral
Sector StrengthN/A
IndustryInvestment - Banking & Investment Services
Share Statistics
EPS (TTM)15.65
Shares Outstanding30,778,664
10 Day Avg. Volume900
30 Day Avg. Volume1,331
Financial Highlights & Ratios
PEG Ratio-0.62
Price to Book (P/B)0.33
Price to Sales (P/S)14.46
P/FCF Ratio545.02
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, an Indian financial services company established in New Delhi in 1986, offers a comprehensive range of services. The firm's expertise lies in corporate consulting and advisory, guiding clients through private placements of div...
How the Company Makes Money
Publicly verifiable, company-specific detail on VLS Finance Limited’s current revenue mix (e.g., a breakdown of interest income vs. investment income vs. fee income), key revenue streams, or significant earnings partnerships is not available in th...
V L S Finance Limited Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
90
Very Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 753.54M | 480.93M | 720.68M | 3.78B | 263.39M | 279.99M |
| Gross Profit | 688.90M | 408.62M | 649.02M | 3.72B | 205.93M | 228.69M |
| EBITDA | 500.33M | 254.09M | 629.84M | 3.92B | 624.34M | 2.12B |
| Net Income | 465.92M | 217.51M | 462.04M | 3.24B | 559.71M | 2.10B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 22.05B | 27.11B | 35.52B | 30.63B | 36.85B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 866.28M | 3.38B | 2.06B | 1.53B | 1.91B |
| Total Debt | 0.00 | 2.99M | 8.62M | 5.67M | 18.05M | 24.13M |
| Total Liabilities | -21.13B | 918.78M | 2.39B | 5.70B | 5.62B | 7.20B |
| Stockholders Equity | 21.13B | 21.13B | 24.72B | 29.83B | 25.01B | 29.65B |
Cash Flow | ||||||
| Free Cash Flow | -45.76M | 12.76M | 2.18B | 1.53B | 49.70M | 1.45B |
| Operating Cash Flow | -45.76M | 12.99M | 2.18B | 1.94B | 73.09M | 1.65B |
| Investing Cash Flow | -1.98B | -1.48B | 1.20B | -1.97B | 269.14M | -1.85B |
| Financing Cash Flow | -51.02M | -1.06B | -433.10M | -125.13M | -677.91M | -107.31M |
V L S Finance Limited Technical Analysis
Negative
252.70
Price Trends
254.32
Negative
244.84
Negative
256.02
Negative
Market Momentum
-3.14
Positive
39.05
Neutral
21.40
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 252.7 is below the 20-day moving average (MA) of 254.39, below the 50-day MA of 254.32, and below the 200-day MA of 256.02, indicating a bearish trend. The MACD of -3.14 indicates Positive momentum. The RSI at 39.05 is Neutral, neither overbought nor oversold. The STOCH value of 21.40 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹7.24B | 13.17 | ― | ― | 7.94% | -25.92% | |
66 Neutral | ₹5.98B | 6.31 | ― | 0.32% | -12.59% | 1.11% | |
62 Neutral | ₹7.15B | 34.36 | ― | 0.65% | 18.60% | -61.27% | |
60 Neutral | ₹7.52B | 15.61 | ― | 1.59% | -4.48% | 134.30% | |
58 Neutral | ₹8.78B | 20.93 | ― | 0.53% | 3.41% | -25.75% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
51 Neutral | ₹7.69B | 254.46 | ― | ― | 2.43% | -11.30% |
* General Sector Average
IN:VLSFINANCE
V L S Finance Limited
242.65
19.72
8.85%
IN:ARIHANTCAP
Arihant Capital Markets Limited
78.14
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-25.91%
IN:BIRLAMONEY
Aditya Birla Money Limited
126.65
-52.35
-29.25%
IN:DHUNINV
Dhunseri Investments Limited
1,016.00
-430.06
-29.74%
IN:EMKAY
Emkay Global Financial Services Limited
259.00
45.13
21.10%
IN:WELINV
Welspun Investments & Commercials Ltd.
2,103.60
1,096.80
108.94%
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.