VLS Finance Intrinsic Value
VLS Finance intrinsic value. VLS Finance (VLSFINANCE) median intrinsic value is ₹421.26 from 3 valuation models (range ₹69–₹528), vs current price ₹231.16 — +82.2% upside (Trading Below Calculated Value), margin of safety 45.1%. Read VLS Finance dividend policy for the complete payout history and dividend yield track record.
VLSFINANCE Valuation Methods Summary — DCF, Graham Number & P/E
VLS Finance intrinsic value across 3 models vs current price ₹231.16 — upside/downside and value range per method. For current market price and key ratios, visit VLS Finance stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹528.25 | ₹475.43 - ₹581.08 | +128.5% | Book Value/Share: ₹660.31, P/B: 0.8x |
| Simple DCF (5Y) | dcf | ₹421.26 | ₹337.01 - ₹505.51 | +82.2% | CF Growth: 1.0%, Discount: 15% |
| Dividend Yield Method | dividend | ₹69.35 | ₹62.41 - ₹76.28 | -70.0% | DPS: ₹1.50, Target Yield: 4.0% |
VLSFINANCE Intrinsic Value vs Market Price — All Valuation Models
VLS Finance fair value range ₹69–₹528 vs current market price ₹231.16 across 3 valuation models. Compare with VLSFINANCE fair value estimate to assess whether the stock is under or overvalued.
VLSFINANCE Intrinsic Value Analysis — Undervalued or Overvalued?
VLS Finance median intrinsic value ₹421.26, current price ₹231.16 — Trading Below Calculated Value by 82.2%, margin of safety 45.1%.
What is the intrinsic value of VLSFINANCE?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of VLS Finance (VLSFINANCE) is ₹421.26 (median value). With the current market price of ₹231.16, this represents a +82.2% variance from our estimated fair value.
The valuation range spans from ₹69.35 to ₹528.25, indicating ₹69.35 - ₹528.25.
Is VLSFINANCE undervalued or overvalued?
Based on our multi-method analysis, VLS Finance (VLSFINANCE) appears to be trading below calculated value by approximately 82.2%.
VLSFINANCE Financial Health — Key Ratios vs Industry Benchmarks
VLS Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 2.23 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | -14.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 106.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | -0.18x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
VLSFINANCE Cash Flow Quality — Operating & Free Cash Flow
VLS Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-18 Cr | ₹-83 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹170 Cr | ₹170 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹195 Cr | ₹97 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹7 Cr | ₹7 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹165 Cr | ₹73 Cr | Positive Free Cash Flow | 7/10 |