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VLS Finance Ltd

NSE: VLSFINANCE BSE: 511333

235.30

(-0.23%)

Thu, 12 Mar 2026, 06:35 am

VLS Finance Analysis

dividend

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Pros

  • VLS Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
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Cons

  • VLS Finance has only been paying a dividend for 3 years, and since then there has been no growth.
  • The company is paying a dividend however it is incurring a loss.
  • Whilst dividend payments have been stable, VLS Finance has been paying a dividend for less than 10 years.
  • VLS Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • VLS Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • VLS Finance has been profitable on average in the past, therefore cash runway is not a concern.
  • VLS Finance has been profitable on average in the past, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 13.9x debt.
  • The level of debt compared to net worth has been reduced over the past 5 years (0.2% vs 0.1% today).
  • VLS Finance's level of debt (0.1%) compared to net worth is satisfactory (less than 40%).
  • Low level of unsold assets.
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Cons

  • Operating cash flow is negative therefore debt is not well covered.
  • VLS Finance's long term commitments exceed its cash and other short term assets.

management

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Pros

  • The tenure for the VLS Finance board of directors is about average.
  • Suresh's remuneration is about average for companies of similar size in India.
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Cons

  • Suresh's compensation has increased whilst company is loss making.

misc

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Pros

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    Cons

    • VLS Finance is not covered by any analysts.
    • VLS Finance has significant price volatility in the past 3 months.

    past

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    Pros

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      Cons

      • Unable to compare VLS Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.
      • VLS Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
      • It is difficult to establish if VLS Finance has efficiently used its assets last year compared to the IN Capital Markets industry average (Return on Assets) as it is loss-making.
      • It is difficult to establish if VLS Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
      • It is difficult to establish if VLS Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
      • Unable to compare VLS Finance's 1-year growth to the IN Capital Markets industry average as it is not currently profitable.

      value

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      Pros

      • VLS Finance is good value based on assets compared to the IN Capital Markets industry average.
      • VLSFINANCE matched the Capital Markets industry (-21%) over the past year.
      • NSEI:VLSFINANCE is up 20.2% outperforming the Capital Markets industry which returned 8.7% over the past month.
      • NSEI:VLSFINANCE is up 20.2% outperforming the market in India which returned 8% over the past month.
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      Cons

      • VLS Finance is loss making, we can't compare its value to the IN Capital Markets industry average.
      • VLS Finance is loss making, we can't compare the value of its earnings to the India market.
      • VLSFINANCE underperformed the Market in India which returned -14.5% over the past year.

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      Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800