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VLS Finance Limited

VLS Finance Limited

NSE: VLSFINANCE
Capital MarketsFinancial ServicesSMALL CAPMCap ₹693.1 Cr
₹220.89₹-1.54 (-0.69%)

Market Closed • NSE

Market cap₹693.1 Cr
Enterprise value₹611.6 Cr
P/E TTM14.11
P/B0.35
EPS TTM₹15.65
ROCE0.96%
D/E0.01
Dividend yield0.01%
Face value₹10.00
52W high₹339.00
52W low₹198.81
Price chart(1Y)
1Y Return:-2.74% (₹6.22)
H: ₹277L: ₹213.98
1W-0.50%
1M-7.84%
3M-15.24%
6M-9.15%
1Y+3.35%
Today at a glance

Day range

₹213.98₹222.50

52 week range

₹198.81₹339.00
Volume15.5K2.17x 20D avg
Free float50.00%+117.20% volume

VLS Finance Limited closed at INR220.89 (-0.69%) on volume 2.17x its 20-day average, trading 34.84% below its 52-week high.

Technical analysis
RSI (14)29.1Oversold
MACDBEARISHBearish (Below signal)
ATR (14)₹7.37High
SMA 20₹231.11BEARISH
SMA 50₹242.40BEARISH
SMA 100₹244.69BEARISH
SMA 200₹247.61BEARISH
CPR bottom₹220.18
Pivot₹220.93
CPR top₹221.68
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved +228% QoQ

2026-09-18

DIVIDEND Announced

Dividend - Rs 1.50 Per Share

2025-12-12

BUYBACK Announced

Buy Back

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL4/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹29.9 Lakh₹693.1 Cr0.04%≤ 33%PASS
Non-halal income ratio–₹31.5 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹2.13k Cr₹2.21k Cr96.81%≥ 20%PASS
Receivables ratio–₹2.21k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E14.1116.50
Forward P/E——
P/B0.351.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield7.106.10
Growth & profitability
RevenuePAT
FY24PAT margin 79.20%
FY25PAT margin 45.50%
FY26PAT margin 53.70%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y-32.20%
Revenue CAGR 5Y-39.20%
PAT CAGR 3Y-22.10%
PAT CAGR 5Y-41.80%
Operating margin95.26%
Net margin64.08%
Financial health & cash flow
Net debt–Moderate
Interest coverage82.30xEBIT / interest
CFO / PAT1.50x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-1776.2 Lakh
Capital expenditure–
Free cash flow₹-1778.5 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall73/100
Valuation75/100
Profitability50/100
Financial health95/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Low Debt Profile: Debt-to-Equity is comfortable at 0.01x

High Cash Flow Conversion: CFO/PAT averaged 1.5x over last 3 years

Attractive Valuation: P/E of 14.1x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Capital Markets.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
1.40%Institutional holding
42.21%Public holding
5Periods available
0.00%Promoter pledged
24.48KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
18 Sept 2026Dividend₹1.50 / share—18 Sept 2026
12 Dec 2025Buy BackBuy Back—12 Dec 2025
12 Sept 2025Dividend₹1.50 / share—12 Sept 2025
—Dividend₹1.50 / share—20 Sept 2024
26 Aug 2024Buy BackBuy Back—26 Aug 2024
—Dividend₹1.50 / share—22 Sept 2023
—Dividend₹1.50 / share—21 Sept 2022
—Dividend₹1.50 / share—22 Sept 2021
—Dividend₹1.50 / share—02 Dec 2020
—Dividend₹1.00 / share—03 Sept 2019
—Dividend₹1.00 / share—12 Sept 2018
—Dividend₹1.00 / share—19 Sept 2017
—Annual General MeetingAnnual General Meeting—06 Sept 2016
—Annual General MeetingAnnual General Meeting—15 Sept 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)76.38%-1.23% latest vs average
Highest delivery93.81%on 14 Oct
Average volume (20D)7.1KTrading-session average
Conviction trendWeakening-1.23% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About VLS Finance Limited
VLS Finance Limited

Incorporated in 1986, VLS Finance Ltd is in the business of a stockbroker[1]

IndiaFinancial Services

Questions investors ask
Is VLS Finance Limited Shariah compliant?

VLS Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (0.04%) complies with AAOIFI threshold (≤ 33%).

What is VLS Finance Limited's current valuation relative to peers?

VLS Finance Limited trades at a P/E of 14.1x compared to the sector median of 16.5x, and a Price-to-Book of 0.3x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 0.01x. Interest coverage is 82.3x.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at -39.2% while net profit growth averaged -41.8%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.