V L S Finance Limited (VLSFINANCE) AI Stock Analysis

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V L S Finance Limited

(NSE:VLSFINANCE)

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Rating:46Neutral

Price Target:INR 209.00▼(-5.69% Downside)

Action:reiterated

Date:10/30/26

The overall score is heavily constrained by the severe deterioration in financial performance, particularly the collapse in operating cash flow and declining revenues, which signal fundamental weakness. Bearish technical indicators reinforce this negative outlook, with the stock in a clear downtrend across all major moving averages. A reasonable valuation and a debt-free balance sheet provide some support, but they are insufficient to offset the dominant operational and momentum headwinds.

Positive Factors

Very low leverageA near-zero debt-to-equity position and substantial equity base provide meaningful financial resilience. The company has lower solvency exposure and greater flexibility to absorb operating volatility, fund lending activity, or pursue investments without relying heavily on external borrowing.

Negative Factors

Uneven revenue and earnings trendRepeated revenue declines and lower profits from peak levels indicate that earnings power is not consistently expanding. For a finance business, this uneven top-line trend can make future profitability less predictable and complicate capital allocation and growth planning.

V L S Finance Limited (VLSFINANCE) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 6.94B
Dividend Yield: 0.68%
Average Volume (3M): 1,032
Price to Earnings (P/E): 14.2
Beta (1Y): 1.30
Revenue Growth: -4.48%
EPS Growth: 134.30%
Country: India
Employees: 36
Sector: General
Sector Strength: 55
Industry: Investment - Banking & Investment Services

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 divers...

V L S Finance Limited Financial Statement Overview

Summary

Financial performance is under significant pressure. While the balance sheet is robust with negligible debt, the income statement shows sharp revenue and profit declines, and cash flow generation has nearly evaporated. The low return on equity and deteriorating trends heavily weigh on the overall score.

Income Statement

35Negative

Balance Sheet

70Positive

Cash Flow

25Negative

Financial statement breakdown
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	22.05B	27.11B	35.52B	30.63B	36.85B
Cash, Cash Equivalents and Short-Term Investments	0	1.16B	3.38B	2.06B	1.53B	1.91B
Total Debt	0	2.99M	17.24M	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

Technical Analysis SentimentNeutral

Last Price221.60

Price Trends

50DMA226.44Positive

100DMA239.61Negative

200DMA239.78Negative

Market Momentum

MACD-1.76Negative

RSI60.11Neutral

STOCH94.83Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VLSFINANCE, the sentiment is Neutral. The current price of 221.60 is above the 20-day moving average (MA) of 211.58, below the 50-day MA of 226.44, and below the 200-day MA of 239.78, indicating a neutral trend. The MACD of -1.76 indicates Negative momentum. The RSI at 60.11 is Neutral, neither overbought nor oversold. The STOCH value of 94.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:VLSFINANCE.

V L S Finance Limited Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:VLSFINANCE against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:ARIHANTCAP	67Neutral	INR 10.49B	21.12	―	0.54%	22.07%	0.35%
IN:BIRLAMONEY	63Neutral	INR 6.91B	12.21	―	―	20.02%	-2.98%
IN:DHUNINV	57Neutral	INR 6.12B	6.21	―	0.30%	24.33%	1002.48%
IN:EMKAY	57Neutral	INR 7.22B	13.91	―	0.59%	58.43%	107.34%
IN:WELINV	56Neutral	INR 7.32B	91.68	―	―	178.09%	148.89%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:VLSFINANCE	46Neutral	INR 6.99B	14.22	―	0.68%	-4.48%	134.30%

* General Sector Average

Performance Comparison

IN:VLSFINANCE and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:VLSFINANCE	V L S Finance Limited	221.60	-27.42	-11.01%
IN:ARIHANTCAP	Arihant Capital Markets Limited	93.16	-6.12	-6.17%
IN:BIRLAMONEY	Aditya Birla Money Limited	118.80	-37.10	-23.80%
IN:DHUNINV	Dhunseri Investments Limited	1008.35	-267.53	-20.97%
IN:EMKAY	Emkay Global Financial Services Limited	254.60	-46.52	-15.45%
IN:WELINV	Welspun Investments & Commercials Ltd.	2050.00	949.90	86.35%

V L S Finance Limited Corporate Events

VLS Finance Files SEBI-Compliant Dematerialisation Certificate for Q2 FY2026

Oct 13, 2026

VLS Finance Limited has submitted a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30 September 2026, as confirmed by its registrar and share transfer agent, RCMC Shar...

VLS Finance to Close Insider Trading Window Ahead of September-Quarter Results

Sep 26, 2026

VLS Finance Limited, a listed financial services firm, trades its securities on BSE, NSE and the Calcutta Stock Exchange and operates under SEBI’s oversight for disclosure and insider trading compliance. As a participant in India’s capital markets, i...

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.

Date of analysis: Oct 30, 2026

V L S Finance Limited AI Stock Analysis