VLS Finance Limited

Financial Services · Finance

NSE: VLSFINANCE BSE: 511333

₹234.09

Sept. 30, 2026 · NSE · nse_bhavcopy

Peers in Finance

The largest companies in the same industry by market cap. This company ranks #105 of 510. PE, ROE, 1Y return and scores come from the daily/weekly precomputed snapshot.

Company	Market cap (₹ Cr)	PE (TTM)	ROE	1Y return	Div. yield	Quality	Valuation	Momentum
Bajaj Finance Limited	597,318	—	16.5%	-2.9%	—	58	18	28
Bajaj Finserv Limited	277,055	—	14.0%	-13.8%	—	28	81	25
Shriram Finance Limited	231,221	—	15.2%	51.5%	—	48	50	29
Jio Financial Services Limited	143,209	—	1.2%	-27.7%	0.28%	4	99	9
Tata Capital Limited	139,210	—	—	—	—	—	61	28
Cholamandalam Investment and Finance Company Limited	138,119	—	17.2%	0.9%	—	50	29	25
Bajaj Holdings & Investment Limited	120,064	—	11.9%	-10.1%	1.34%	80	91	31
Muthoot Finance Limited	109,886	—	26.7%	-13.0%	1.10%	71	65	13
VLS Finance Limited (this stock)	735	—	1.0%	6.8%	0.64%	36	100	12

Valuation multiples

Current only. Market cap is the whole company's; sales/EBITDA are trailing-twelve-month standalone; debt and cash come from the latest filed standalone balance sheet. EBITDA = PBT + interest + depreciation.

Enterprise value

Data unavailable.

EV / EBITDA

Data unavailable.

EV / Sales

Data unavailable.

Market cap / Sales

0.24x

Earnings yield

Data unavailable.

Quarterly Financials

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Standalone Consolidated

↑ Positive

Quarterly Revenue

Mar 2019 quarterly revenue is Rs 580 Cr, up 9.9% YoY.

↑ Positive

Quarterly Net Profit

Mar 2019 quarterly net profit is Rs 7 Cr, up 152.5% YoY.

Period end	Revenue (₹ Cr)	PBT (₹ Cr)	Net profit (₹ Cr)	Basic EPS
June 30, 2026	107	103	84	₹
March 31, 2026	-82	-87	-61	₹
Dec. 31, 2025	24	20	15	₹
Sept. 30, 2025	9	5	5	₹
June 30, 2025	84	80	61	₹
March 31, 2025	-49	-54	-41	₹
Dec. 31, 2024	-59	-73	-54	₹
Sept. 30, 2024	74	59	47	₹
June 30, 2024	130	124	93	₹
March 31, 2024	98	92	74	₹
Dec. 31, 2023	112	107	88	₹
Sept. 30, 2023	79	77	67	₹
June 30, 2023	111	105	92	₹

Quarterly income statement (standalone, ₹ Cr)

Indicator	Mar 19	Dec 18	Sep 18	Jun 18	Mar 18	Dec 17	Sep 17	Jun 17	Mar 17	Dec 16	Sep 16	Jun 16	Mar 16
Total income (before exceptional items)	580	—	751	—	528	497	434	634	250	3	2	1,667	0
Operating revenue	580	818	751	852	528	497	434	634	250	3	2	1,667	-3
Other income	0	—	0	—	0	0	0	0	0	0	0	0	3
Operating expenses	571	811	745	845	525	482	430	632	—	336	435	1,598	237
Operating profit	9	6	7	7	3	15	5	2	—	-333	-433	69	-240
Operating profit margin	1.6%	0.8%	0.9%	0.8%	0.6%	3.0%	1.1%	0.4%	—	-12291.5%	-25137.5%	4.1%	7836.3%
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	—	0	0	0	1
Exceptional items, gain / (loss)	-1	-1	-3	-2	—	-6	0	—	14	—	—	-25	—
Profit before tax	8	6	3	5	3	9	4	2	3	3	2	44	3
Tax	1	1	1	1	0	3	0	0	-3	0	0	16	1
Net profit	7	4	3	4	3	6	4	2	6	2	2	28	2
EPS	—	—	—	—	—	—	—	—	—	—	—	—	—
Net profit (TTM)	18	13	15	17	15	18	14	12	37	34	34	34	7
EPS (TTM)	—	—	—	—	—	—	—	—	—	—	—	—	—

Total income excludes exceptional items, which are shown on their own row. Trendlyne and Screener fold exceptional items into revenue or other income, so their totals differ from this table by exactly that row.

Annual Financials

Year ended	Revenue (₹ Cr)	PBT (₹ Cr)	Net profit (₹ Cr)
March 31, 2026	35	19	20
March 31, 2025	96	56	45
March 31, 2024	400	381	320
March 31, 2023	76	54	52

Annual income statement (standalone, ₹ Cr; CAGR to the latest year)

Indicator	CAGR 3Y	CAGR 5Y	Mar 26	Mar 25	Mar 24	Mar 23	Mar 19	Mar 18	Mar 17	Mar 16	Mar 15	Mar 14	Mar 13
Total income (before exceptional items)	—	—	—	—	—	—	—	2,093^†	1,921^†	1,244^†	902^†	2,309^†	384^†
Operating revenue	-22.6%	—	35	96	400	76	3,001^†	2,093^†	1,921^†	1,241^†	902^†	2,309^†	384^†
Other income	—	—	—	—	—	—	—	0^†	0^†	3^†	0^†	0^†	0^†
Operating expenses	—	—	—	—	—	—	2,972^†	2,068^†	—	1,905^†	—	3,811^†	—
Operating profit	—	—	—	—	—	—	29^†	25^†	—	-664^†	—	-1,502^†	—
Operating profit margin	—	—	—	—	—	—	1.0%^†	1.2%^†	—	-53.5%^†	—	-65.0%^†	—
Depreciation	—	—	—	—	—	—	1^†	1^†	0^†	0^†	0^†	0^†	0^†
Interest	—	—	—	—	—	—	0^†	0^†	—	2^†	—	0^†	—
Exceptional items, gain / (loss)	—	—	—	—	—	—	-7^†	-6^†	-12^†	0^†	0^†	-1^†	0^†
Profit before tax	-28.7%	—	19	56	381	54	22^†	18^†	51^†	8^†	7^†	4^†	4^†
Tax	—	—	—	—	—	—	4^†	4^†	13^†	1^†	1^†	1^†	2^†
Net profit	-27.7%	—	20	45	320	52	18^†	15^†	37^†	7^†	6^†	3^†	2^†
EPS	—	—	—	—	—	—	—	—	—	—	—	—	—

^† Derived: the sum of that fiscal year's four quarterly filings (a real annual filing is used wherever one exists). Checked against filed annual figures, the sum lands within 0.5% for about 94% of company-years.

Annual ratios (standalone)

Ratio	Mar 26	Mar 25	Mar 24	Mar 23	Mar 19	Mar 18	Mar 17	Mar 16	Mar 15	Mar 14	Mar 13
Operating margin	—	—	—	—	1.0%^†	1.2%^†	—	-53.5%^†	—	-65.0%^†	—
EBIT margin	—	—	—	—	0.7%^†	0.9%^†	—	0.8%^†	—	0.2%^†	—
PBT margin	55.3%	58.5%	95.3%	70.8%	0.7%^†	0.9%^†	2.6%^†	0.6%^†	0.8%^†	0.2%^†	1.0%^†
Net margin	56.5%	47.0%	80.1%	69.3%	0.6%^†	0.7%^†	2.0%^†	0.6%^†	0.7%^†	0.2%^†	0.5%^†
Interest coverage	—	—	—	—	2311.21x^†	1719.32x^†	—	5.07x^†	—	208.80x^†	—
Dividend payout	—	—	—	—	—	—	—	—	—	—	—
Earnings retention	—	—	—	—	—	—	—	—	—	—	—
Current ratio	—	—	—	—	—	—	—	—	—	—	—
Quick ratio	—	—	—	—	—	—	—	—	—	—	—
Debt to equity	—	—	—	—	—	—	—	—	—	—	—
Return on equity	1.1%	2.3%	—	—	—	—	—	—	—	—	—
Return on assets	1.1%	2.2%	—	—	—	—	—	—	—	—	—
Return on capital employed	—	—	—	—	—	—	—	—	—	—	—
Asset turnover	0.02x	0.05x	—	—	—	—	—	—	—	—	—

Margins and asset turnover use operating revenue (interest earned for banks, excluding other income), not total income. Liquidity, leverage and return ratios need a filed standalone balance sheet, which exists only for recent years; returns use year-end equity/assets. Dividend payout is shown only for companies with a dividend record. † = built from a summed fiscal year.

Revenue Mix

Data unavailable.

Cash Flow

Year ended	Operating (₹ Cr)	Investing (₹ Cr)	Financing (₹ Cr)	Capex (₹ Cr)	Free Cash Flow (₹ Cr)
March 31, 2026	-15	-119	-105	0	-15
March 31, 2025	202	113	-44	0	202
March 31, 2024	202	-207	-13	41	161
March 31, 2023	11	23	-68	2	9
March 31, 2022	220	-240	-6	20	200

Balance Sheet (standalone)

Year ended	Total Assets (₹ Cr)	Total Equity (₹ Cr)	Reserves (₹ Cr)	Borrowings, Current (₹ Cr)	Borrowings, Non-current (₹ Cr)	Current Assets (₹ Cr)	Current Liabilities (₹ Cr)	Cash & Equivalents (₹ Cr)	Net Block (₹ Cr)	Inventory (₹ Cr)
March 31, 2026	1,764	1,727	1,695	—	—	—	—	56	63	0
March 31, 2025	2,031	1,940	1,906	—	—	—	—	294	65	0
March 31, 2024	—	—	—	—	—	—	—	—	—	—
March 31, 2023	—	—	—	—	—	—	—	—	—	—
March 31, 2022	—	—	—	—	—	—	—	—	—	—

Financial charts

Trend charts drawn from the standalone income-statement and ratio tables above (oldest year on the left); a gap means that period has no figure. Annual years marked † in the tables are derived from four quarters.