VLS Finance Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from VLS Finance Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 96% of Financial Services companies in India.
- Tangible Net Worth Ratio: Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 93% of Financial Services companies in India.
- Tangible Assets Ratio: Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 91% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 96% of Financial Services companies in India.
Growth Efficiency Ratio
—Sales fell 65%
Sales fell 65% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-65% / -28%In 3 years sales changed by -65% while total assets changed by -28%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 91% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 93% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
VLS Finance Limited owes ₹0.04 for every ₹1 it owns. Net profit fell 53% in the year to Mar 2026, and shrank 27% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
12.9Investors pay ₹12.9 for every ₹1 of VLS Finance Limited's yearly profit, lower than 59% of Financial Services companies in India.
P/B ratio
0.30The share price is 0.30 times VLS Finance Limited's book value per share, lower than 93% of Financial Services companies in India.
Market cap
₹632 CrThe total market value of all of VLS Finance Limited's shares at today's price (share price × number of shares), smaller than 73% of Financial Services companies in India. PosiCap size class: Micro Cap.
Net worth (book value)
₹2,113 CrWhat VLS Finance Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹673.49Net worth divided by the number of shares. The share price of ₹201.43 is 0.3 times this, which is the P/B above.
Return on equity (ROE)
2.5%VLS Finance Limited earned 2.5% on its shareholders' money over the last year, lower than 82% of Financial Services companies in India.
Owes vs Owns
0.04×VLS Finance Limited owes ₹0.04 for every ₹1 it owns (low), lower than 95% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
0.68%VLS Finance Limited pays 0.68% of its share price as dividends a year, lower than 61% of dividend-paying Financial Services companies in India.
Revenue growth
-61%Revenue fell 61% in the year to Mar 2026, and shrank 29% a year on average over 3 years.
Profit growth
-53%Net profit fell 53% in the year to Mar 2026, and shrank 27% a year on average over 3 years.
Profit margin
76.9%VLS Finance Limited keeps ₹77 of every ₹100 of revenue as net profit.
Questions
What is VLS Finance Limited's P/E ratio?
Investors pay ₹12.9 for every ₹1 of VLS Finance Limited's yearly profit, lower than 59% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For VLS Finance Limited: ₹632 Cr ÷ ₹2,113 Cr (31 Mar 2026) = 0.3.
What is VLS Finance Limited's return on equity?
VLS Finance Limited earned 2.5% on its shareholders' money over the last year, lower than 82% of Financial Services companies in India.
How much does VLS Finance Limited owe compared with what it owns?
VLS Finance Limited owes ₹0.04 for every ₹1 it owns (low), lower than 95% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does VLS Finance Limited pay a dividend?
Yes. VLS Finance Limited pays 0.68% of its share price as dividends a year, lower than 61% of dividend-paying Financial Services companies in India.
Is VLS Finance Limited's revenue growing?
Revenue fell 61% in the year to Mar 2026, and shrank 29% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.