VLS Finance Ltd
Ticker: VLSFINANCE
Risky
48/100
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Investing Reference
Price
217.20
Market Cap
738.70
Debt/Equity
0.0003
ROE %
1.694
PB
0.2988
Promoter %
52.019
Pledge %
0.000
1Y Rev Growth %
-74.156
5Y Rev Growth %
24.696
NP Margin %
42.737
NP Margin 5Y Avg %
75.341
Trading Reference
1M Return %
0.192
6M Return %
-5.516
1Y Return %
-46.888
% Away 52W High
97.376
% Away 52W Low
16.212
Daily Volume
6806
Investment Verdict
Buy
Score 88/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 20/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
Summary
VLS Finance Ltd shows potential for growth but faces market challenges.
✅ Positives
- Strong historical revenue growth
- Diverse financial services portfolio
- Improving asset quality metrics
⚠️ Negatives
- High competition in financial sector
- Regulatory risks impacting operations
- Volatile market conditions affecting stock price
Verdict
Cautiously optimistic about future performance.
Recommendation: Consider buying on dips.
Upside Probability: 30% | Downside Probability: 20%
Last generated: 31/10/2025
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Business Overview
VLS Finance Ltd is a prominent non-banking financial company (NBFC) in India, dedicated to providing a range of financial services tailored for individuals and businesses. With a strong focus on customer satisfaction and transparency, VLS Finance aims to empower its clients by offering innovative financial solutions. This makes it an ideal partner for those seeking reliable financial support in their growth journey.
- Established player in the Indian NBFC sector
- Offers diverse financial services including loans and investments
- Focus on customer-centric solutions
- Strong commitment to transparency and trust
- Supports both individual and business financial needs
Investment Thesis
VLS Finance Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company well for sustainable growth and shareholder returns.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Valuation metrics indicate VLS Finance is attractively priced relative to peers.
- Focus on innovative financial solutions sets the company apart in a competitive landscape.
- Strategic initiatives aimed at expanding market reach bolster future growth prospects.
Opportunity vs Risk
Opportunities
- Strong growth in fintech sector
- Expanding customer base
- Innovative product offerings
- Strategic partnerships
- Rising demand for digital finance
Risks ⚠️
- Regulatory changes impacting operations
- High competition in market
- Economic downturn effects
- Cybersecurity threats
- Dependence on technology infrastructure
Peer Perspective
VLS Finance Ltd trades at a discount compared to peers like Mahindra Finance and Muthoot Finance, primarily due to margin volatility; a stable margin and consistent growth could trigger a rerating.
Future Outlook
VLS Finance Ltd is well-positioned for growth, driven by strategic investments and market expansion. Successful execution and diligent cost control will be key to unlocking its full potential in the coming years.
📊 Stock Investment Checklist (100 Points)
VLS Finance Ltd • Updated: 2025-09-18 08:47:21
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8BusinessHighThe finance sector is evolving with digital transformation, but VLS Finance has a limited moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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9ValuationHighValuation ratios are higher compared to peers, suggesting overvaluation.
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7BalanceHighModerate debt levels with reasonable liquidity, but reserves are low.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodLimited growth drivers identified, with execution risks present.
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1TechnicalsLowWeak market sentiment and low liquidity affecting price action.
Final Score & Verdict
Score 48 / 100
• Risky
VLS Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.