VLS Finance Key Ratios

Stock Card

NSE: VLSFINANCE | BSE: 511333

₹243.75

₹-2.50 (-1.02%)

As on 28-Aug-2026IST

Market cap

₹766 Cr

Revenue (TTM)

₹64 Cr

P/E Ratio

16.4

P/B Ratio

0.3

Div. Yield

0.6 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	225.01	25.38	-9.58	-36.13	-26.49
EBIT	211.60	26.95	59.37	-43.99	-32.91
Net Profit	228.77	34.92	93.24	-37.55	-30.22
EPS	228.77	46.19	100.69	-34.98	-27.87
Book Value	--	--	-15.21	-1.78	9.91

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	TTM	Mar-25	Mar-24
EBIT-Margin	70.01	78.77	59.45	49.92	92.07
Net Margin	61.91	75.17	63.81	41.96	77.46
Return on equity	5.19	6.79	1.96	1.69	11.83
Return on Assets	4.29	5.49	1.90	1.48	9.75

Profitability

View Detailed Peer Comparison

ROCE

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	--	2.15	14.09	2.13	7.78
Peer Median	--	10.81	7.66	11.86	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

ROE

1.96

Lower than Peers by 4.23

Profit after tax / Average Net worth * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	1.96	1.69	11.83	2.05	7.79
Peer Median	6.19	10.20	7.77	10.37	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

ROA

1.90

Lower than Peers by 1.89

Profit after tax / Average Total assets * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	1.90	1.48	9.75	1.64	6.18
Peer Median	3.78	5.58	4.45	6.18	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EBIT Margin

59.45

Higher than Peers by 18.09

Operating profit (EBIT) / Net Sales * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	59.45	49.92	92.07	68.04	90.28
Peer Median	41.36	40.64	56.33	12.79	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Net Margin

63.81

Higher than Peers by 37.58

Net profit / Total Income (Net sales plus other income) * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	63.81	41.96	77.46	66.31	90.48
Peer Median	26.23	33.00	22.22	12.45	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Cash Profit Margin

0.00

Higher than Peers by 0.00

(Net profit + Depreciation) / Gross Sales * 100

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	0.00	49.17	81.09	73.40	92.31
Peer Median	0.00	0.00	0.00	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

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Revenue Growth

-9.58

Lower than Peers by 24.42

Year on year growth in net sales

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	-9.58	-74.69	396.00	-64.22	3.78
Peer Median	14.84	17.44	66.08	1.52	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EBIT Growth

59.37

Higher than Peers by 39.48

Year on year growth in operating profit (EBIT)

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	59.37	-86.28	571.17	-73.03	0.16
Peer Median	19.89	15.12	209.90	-40.99	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Net Profit Growth

93.24

Higher than Peers by 80.49

Year on year growth in profit after tax

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	93.24	-85.75	479.47	-73.38	-5.03
Peer Median	12.75	7.75	162.17	-74.62	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EPS Growth

100.69

Higher than Peers by 95.07

Year on year growth in earnings per share

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	100.69	-85.43	486.66	-70.78	-5.03
Peer Median	5.62	-2.97	166.13	20.83	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Book Value Growth

Year on year growth in book value per share

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	--	-17.12	19.28	-15.67	21.96
Peer Median	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

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Debt to Equity

Total debt / Net worth

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	--	0.00	0.00	0.00	0.00
Peer Median	--	0.67	0.13	0.14	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Short term debt to equity ratio

(Short term borrowings / Net worth)

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	--	0.00	0.00	0.00	0.00
Peer Median	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Current Ratio

82.33

Higher than Peers by 75.78

Current Assets / Current Liabilities and Provisions

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	82.33	29.89	25.81	21.31	19.44
Peer Median	6.55	3.25	2.96	2.74	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Quick Ratio

82.33

Higher than Peers by 75.94

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	82.33	29.89	25.81	21.31	19.44
Peer Median	6.39	2.21	3.00	3.19	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Interest Coverage

314.71

Higher than Peers by 299.41

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	314.71	349.84	1,879.56	382.50	6,483.08
Peer Median	15.30	3.46	3.08	4.40	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

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Price / Earnings

16.43

Lower than Peers by 3.23

Current share price divided by earning per share in the last twelve months

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	16.43	15.00	2.59	9.36	2.94
Peer Median	19.67	15.29	14.30	38.90	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Price / Book Value

0.35

Lower than Peers by 0.50

Current share price divided by book value per share in the latest financial year

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	0.35	0.28	0.28	0.21	0.21
Peer Median	0.85	1.31	2.64	1.13	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Dividend Yield

0.61

Higher than Peers by 0.47

Dividend per share in the past twelve months divided by current share price

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	0.61	0.74	1.03	1.01	0.94
Peer Median	0.14	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EV/EBITDA

13.55

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	13.55	5.64	2.04	7.44	2.55
Peer Median	--	13.18	17.64	9.84	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Market Cap

766

Lower than Peers by 13

Current Share price multiplied by latest total number of shares outstanding

Company Name	TTM	Mar-25	Mar-24	Mar-23	Mar-22
VLS Finance	766	693	841	524	618
Peer Median	778	566	1,044	139	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.