VLS Finance Limited
VLS Finance Limited (VLSFINANCE) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.
Financial Services›Financial Services›Finance›Investment Company
vlsfinance.com(opens the company website in a new tab)Key metrics
Price as of 2026-09-02
Stock price
₹244.32
Market cap
767 Cr
Stock P/E
13.3
P/B
0.39
Dividend yield
0.7%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 3 Cr | 4 Cr | 4 Cr | — | 4 Cr | 4 Cr | 1 Cr | 2 Cr | 2 Cr | 3 Cr | 7 Cr | 2 Cr |
| Other income | 6 Cr | 2 Cr | 2 Cr | 2 Cr | 4 Cr | -3 Cr | 3 Cr | 2 Cr | 3 Cr | 2 Cr | 1 Cr | 2 Cr |
| Net operating income | 9 Cr | 5 Cr | 6 Cr | 2 Cr | 7 Cr | 1 Cr | 4 Cr | 4 Cr | 5 Cr | 5 Cr | 9 Cr | 4 Cr |
| Employee cost | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr | 2 Cr |
| Other expenses | 4 Cr | 4 Cr | 5 Cr | 5 Cr | 5 Cr | 3 Cr | 4 Cr | 3 Cr | 3 Cr | 4 Cr | 3 Cr | 3 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 1 Cr | 1 Cr | 2 Cr | 1 Cr | 1 Cr | 1 Cr | 1 Cr | 0.94 Cr | 0.89 Cr | 0.89 Cr | 0.82 Cr | 0.66 Cr |
| Profit before tax | 82 Cr | 107 Cr | 91 Cr | 124 Cr | 65 Cr | -77 Cr | -53 Cr | 94 Cr | 7 Cr | 24 Cr | -104 Cr | 119 Cr |
| Tax % | 14.4% | 18.0% | 19.0% | 24.6% | 21.0% | 24.3% | 24.7% | 24.6% | -1.5% | 26.1% | 28.2% | 19.5% |
| Net profit | 70 Cr | 88 Cr | 74 Cr | 93 Cr | 51 Cr | -58 Cr | -40 Cr | 71 Cr | 7 Cr | 18 Cr | -75 Cr | 96 Cr |
| EPS (₹) | ₹20.14 | ₹25.25 | ₹21.25 | ₹26.80 | ₹14.71 | ₹-16.90 | ₹-11.59 | ₹20.92 | ₹2.04 | ₹5.31 | ₹-22.29 | ₹30.59 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021 | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | 6 Cr | 7 Cr | 9 Cr | 11 Cr | 14 Cr | 13 Cr | 14 Cr | Sign in for TTM |
| Other income | 4 Cr | 5 Cr | 1 Cr | 3 Cr | 2 Cr | 11 Cr | 5 Cr | 9 Cr | Sign in for TTM |
| Net operating income | 4 Cr | 11 Cr | 8 Cr | 12 Cr | 13 Cr | 25 Cr | 18 Cr | 23 Cr | Sign in for TTM |
| Employee cost | 4 Cr | 4 Cr | 5 Cr | 6 Cr | 7 Cr | 8 Cr | 9 Cr | 9 Cr | Sign in for TTM |
| Other expenses | 8 Cr | 7 Cr | 9 Cr | 15 Cr | 15 Cr | 18 Cr | 16 Cr | 13 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 0.59 Cr | 1 Cr | 0.78 Cr | 1 Cr | 4 Cr | 6 Cr | 4 Cr | 4 Cr | Sign in for TTM |
| Profit before tax | 27 Cr | -5 Cr | 208 Cr | 210 Cr | 58 Cr | 386 Cr | 58 Cr | 22 Cr | Sign in for TTM |
| Tax % | 16.5% | 913.4% | -6.5% | -0.1% | 3.5% | 16.0% | 20.8% | 0.6% | Sign in for TTM |
| Net profit | 22 Cr | 39 Cr | 221 Cr | 210 Cr | 56 Cr | 324 Cr | 46 Cr | 22 Cr | Sign in for TTM |
| EPS (₹) | ₹5.81 | ₹10.15 | ₹57.26 | ₹54.37 | ₹14.49 | ₹93.07 | ₹13.44 | ₹6.50 | Sign in for TTM |
| Dividend payout % | — | — | — | 2.8% | 10.4% | 1.6% | 18.4% | 23.5% | Sign in for TTM |
Sign in for TTM
Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021 | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 39 Cr | 39 Cr | 39 Cr | 39 Cr | 35 Cr | 35 Cr | 34 Cr | 32 Cr |
| Reserves | 282 Cr | 1,713 Cr | 2,393 Cr | 2,927 Cr | 2,465 Cr | 2,948 Cr | 2,438 Cr | 2,082 Cr |
| Borrowings | — | 0.23 Cr | — | 0.91 Cr | 0.69 Cr | 0.18 Cr | 0.86 Cr | 0.30 Cr |
| Other liabilities | 15 Cr | 435 Cr | 633 Cr | 719 Cr | 562 Cr | 570 Cr | 238 Cr | 92 Cr |
| Total liabilities | 336 Cr | 2,189 Cr | 3,068 Cr | 3,685 Cr | 3,063 Cr | 3,552 Cr | 2,711 Cr | 2,205 Cr |
| Fixed assets (net) | 13 Cr | 9 Cr | 9 Cr | 27 Cr | 25 Cr | 67 Cr | 65 Cr | 63 Cr |
| CWIP | — | 7 Cr | 9 Cr | 0.07 Cr | 0 Cr | 0 Cr | 0 Cr | — |
| Investments | 271 Cr | 2,042 Cr | 2,804 Cr | 3,435 Cr | 2,817 Cr | 3,222 Cr | 2,273 Cr | 1,996 Cr |
| Loans & advances | — | 8 Cr | 8 Cr | 8 Cr | 8 Cr | 8 Cr | 8 Cr | 8 Cr |
| Inventories | 8 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr | 0 Cr |
| Trade receivables | 0 Cr | 3 Cr | 2 Cr | 1 Cr | 18 Cr | 17 Cr | 0.90 Cr | 10 Cr |
| Cash & bank | 9 Cr | 20 Cr | 105 Cr | 74 Cr | 45 Cr | 29 Cr | 322 Cr | 70 Cr |
| Other assets | 34 Cr | 101 Cr | 131 Cr | 140 Cr | 150 Cr | 210 Cr | 42 Cr | 58 Cr |
| Total assets | 336 Cr | 2,189 Cr | 3,068 Cr | 3,685 Cr | 3,063 Cr | 3,552 Cr | 2,711 Cr | 2,205 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021 | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | 165 Cr | 7 Cr | 194 Cr | 200 Cr | -18 Cr |
| Cash from investing | — | — | — | -185 Cr | 27 Cr | -197 Cr | 137 Cr | -129 Cr |
| Cash from financing | — | — | — | -11 Cr | -68 Cr | -13 Cr | -44 Cr | -105 Cr |
| Net cash flow | — | — | — | -31 Cr | -34 Cr | -15 Cr | 293 Cr | -252 Cr |
| Free cash flow (OCF − Capex) | — | — | — | 145 Cr | 5 Cr | 153 Cr | 200 Cr | -18 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021 | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 8.4% | -0.3% | 8.5% | 7.1% | 2.3% | 13.0% | 2.4% | 1.0% |
| ROE % | 7.0% | 2.2% | 9.1% | 6.7% | 2.2% | 10.9% | 1.9% | 1.0% |
| Debtor days | 0 | 445 | 3 | 2 | 81 | 16 | 3 | 90 |
| Inventory days | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 1 | 445 | 3 | 2 | 81 | 16 | 3 | 90 |
| Debt / equity | 0.00 | 0.0001 | — | 0.0003 | 0.0003 | 0.0001 | 0.0003 | 0.0001 |
| Current ratio | 2.38 | — | — | — | — | — | — | — |
| Net debt / EBITDA | -0.38 | — | -0.51 | 0.00 | -0.73 | -0.08 | -5.55 | -4.14 |
Regulatory ratios (standalone basis)
RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.
| Metric | Mar 2019 | Mar 2020BSE balance sheet (this exchange's own filing had none for this period) | Mar 2021 | Mar 2022BSE balance sheet (this exchange's own filing had none for this period) | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Gross NPA | — | — | — | — | — | — | — | — |
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| CET1 % | — | — | — | — | — | — | — | — |
| Additional Tier 1 % | — | — | — | — | — | — | — | — |
| Capital adequacy % | — | — | — | — | — | — | — | — |
| NIM % | — | — | — | — | — | — | — | — |
| ROA % | — | — | — | — | — | — | — | — |
Compare with peers
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