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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
VLS Finance Limited is an India-based stockbroker company. The Company is focused on stock broking, proprietary investments and equity research, investment banking and corporate consulting and advisory services. It is also primarily focused on financial services. The Company…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection.
VLS Finance is scored on the nbfc / financials framework. It keeps a fat 55.2% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -22%/yr and profit at -27%/yr. Net worth has actually shrunk (-6%/yr) — value is not being built. Return on equity is a weak 1.0%.
At 33× earnings, the stock sits at the 85th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~4%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 14.33 | — | — |
| P/B | 0.32 | — | — |
| EV/EBITDA | 11.65 | 16.2 | better |
| ROE | 1.03 | 4.93 | worse |
| ROCE | 1.04 | — | — |
| ROA | 2.11 | — | — |
| Quick Ratio | 4.57 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue declined 62% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window. Growth is accelerating — latest year outpaced the prior year's rate.
Revenue is outpacing profit (-22% vs -27%) — costs are rising faster than the top line. The latest year saw a -53% swing — check if it's a one-off or structural.
Operating margin has compressed from 71% to 55% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 1% — modest; the capital isn't working hard.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. EPS outpaced profit growth — possible buybacks are concentrating earnings into fewer shares. -23% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
1 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 225% sequentially — momentum is building. Wide quarterly swings (180% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate fading — recent quarters 38% below earlier ones.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 229% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (67% → 78%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 56.4% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.