Visagar Financial Services Ltd

₹ 0.36 -2.70%

11 Jun - close price

About

Incorporated in 1994, Visagar Financial Services Ltd provides financial and investment services^[1]

Key Points

Business Overview:^[1]^[2]
VFSL is registered as a Non-Systemically Important Non-Deposit Taking Non-Banking
Financial Company. It is engaged in the business of lending money and has a diversified lending portfolio across individuals, proprietors and corporates, etc.

Website BSE

Market Cap ₹ 21.0 Cr.
Current Price ₹ 0.36
High / Low ₹ 0.58 / 0.25
Stock P/E
Book Value ₹ 1.03
Dividend Yield 0.00 %
ROCE 1.06 %
ROE -0.60 %
Face Value ₹ 1.00

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Pros

Company has reduced debt.
Stock is trading at 0.35 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -31.6% over past five years.
Promoter holding is low: 5.95%
Company has a low return on equity of -0.92% over last 3 years.
Company might be capitalizing the interest cost
Debtor days have increased from 42.5 to 116 days.
Working capital days have increased from 94.2 days to 239 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	16.62	59.17	64.79	69.85	140.36	30.57	75.94	11.45	11.60	2.55	1.66	2.98	2.75
	15.73	58.73	61.87	70.32	144.11	33.13	72.06	10.44	12.14	3.58	1.42	1.47	2.36
Operating Profit	0.89	0.44	2.92	-0.47	-3.75	-2.56	3.88	1.01	-0.54	-1.03	0.24	1.51	0.39
OPM %	5.35%	0.74%	4.51%	-0.67%	-2.67%	-8.37%	5.11%	8.82%	-4.66%	-40.39%	14.46%	50.67%	14.18%
	3.66	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.00	0.00	0.00	0.25	0.00	0.00	0.00	0.06	1.78	0.00	0.00	0.05	1.33
Depreciation	0.00	0.00	0.02	0.02	0.07	0.02	0.02	0.05	0.03	0.02	0.02	0.02	0.02
Profit before tax	4.55	0.44	2.90	-0.74	-3.82	-2.58	3.86	0.90	-2.35	-1.05	0.22	1.44	-0.96
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	4.55	0.44	2.90	-0.74	-3.82	-2.58	3.86	0.91	-2.34	-1.05	0.22	1.44	-0.96
EPS in Rs	0.08	0.01	0.05	-0.01	-0.07	-0.04	0.07	0.02	-0.04	-0.02	0.00	0.02	-0.02
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	0.64	4.11	10.55	5.33	1.06	1.52	66.58	16.82	51.80	334.21	129.57	9.93
	0.24	4.07	10.43	5.29	1.01	1.80	66.93	16.57	49.85	334.13	127.77	8.80
Operating Profit	0.40	0.04	0.12	0.04	0.05	-0.28	-0.35	0.25	1.95	0.08	1.80	1.13
OPM %	62.50%	0.97%	1.14%	0.75%	4.72%	-18.42%	-0.53%	1.49%	3.76%	0.02%	1.39%	11.38%
	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.29	0.00	0.17	0.00	0.00	0.00	0.00	0.01	0.14	1.13	1.84	1.39
Depreciation	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.11	0.12	0.09
Profit before tax	0.11	0.04	-0.06	0.04	0.06	-0.28	-0.35	0.24	1.81	-1.16	-0.16	-0.35
Tax %	27.27%	25.00%	0.00%	25.00%	33.33%	0.00%	0.00%	0.00%	29.83%	0.00%	0.00%	2.86%
	0.08	0.03	-0.06	0.03	0.04	-0.28	-0.35	0.24	1.28	-1.16	-0.16	-0.36
EPS in Rs	0.00	0.00	-0.00	0.00	0.00	-0.00	-0.01	0.00	0.02	-0.02	-0.00	-0.01
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	9%
5 Years:	-32%
3 Years:	-42%
TTM:	-92%

Compounded Profit Growth
10 Years:	%
5 Years:	-1%
3 Years:	%
TTM:	-125%

Stock Price CAGR
10 Years:	9%
5 Years:	5%
3 Years:	-28%
1 Year:	-31%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	-1%
Last Year:	-1%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	6.50	6.50	6.50	6.50	6.50	6.50	6.50	9.75	58.39	58.39	58.39	58.39
Reserves	5.80	5.82	5.76	5.79	5.84	5.55	5.21	2.19	3.47	2.31	2.15	1.79
	5.29	0.56	4.81	5.03	3.68	1.37	2.30	1.62	14.94	42.29	43.84	30.79
	0.15	0.14	0.29	0.05	0.09	0.12	0.11	0.04	0.79	1.45	-0.01	-0.01
Total Liabilities	17.74	13.02	17.36	17.37	16.11	13.54	14.12	13.60	77.59	104.44	104.37	90.96
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.42	0.30	0.22
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	6.84	4.21	8.73	7.35	5.28	5.27	4.73	4.55	11.25	25.75	25.95	17.65
	10.90	8.81	8.63	10.02	10.83	8.27	9.39	9.05	66.34	78.27	78.12	73.09
Total Assets	17.74	13.02	17.36	17.37	16.11	13.54	14.12	13.60	77.59	104.44	104.37	90.96

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-0.27	-2.78	4.72	0.14	-0.17	0.02	-0.04	-0.12	-54.11	-25.83	0.27	12.58
	0.25	2.64	-4.53	0.00	0.00	0.00	0.00	0.18	-6.70	-0.53	0.00	0.00
	-0.03	0.00	0.00	0.00	0.00	0.00	0.00	0.00	61.96	27.35	-1.84	-13.05
Net Cash Flow	-0.04	-0.14	0.20	0.14	-0.17	0.02	-0.04	0.06	1.14	0.99	-1.57	-0.48
Free Cash Flow	-0.27	-2.78	0.19	0.14	-0.17	0.02	-0.04	-0.12	-60.81	-26.36	0.27	12.58
CFO/OP	-68%	-6,950%	3,933%	375%	-300%	-7%	11%	-40%	-2,775%	-32,288%	15%	1,113%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	17.11	0.00	0.00	0.68	0.00	0.00	0.05	3.26	1.41	1.98	9.44	116.15
Inventory Days		96.84	112.55	152.08	1,029.49	465.31	10.78	50.13	118.44	14.50	16.18	130.78
Days Payable		0.00	8.52	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.12	4.16
Cash Conversion Cycle	17.11	96.84	104.03	152.77	1,029.49	465.31	10.84	53.38	119.85	16.48	25.50	242.77
Working Capital Days	-3,016.95	32.86	-65.73	-200.65	-526.84	60.03	10.58	55.12	114.15	15.61	27.72	239.29
ROCE %	2.33%	0.26%	0.73%	0.23%	0.36%	-1.90%	-2.55%	1.81%	4.32%	-0.03%	1.62%	1.06%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Loan Portfolio (Long-term Loans & Advances)
Rs. Lakhs

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Inventory of Stock-in-Trade (Shares)
Rs. Lakhs

Non-Current Investment Portfolio
Rs. Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	5.44%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%	5.95%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%
	94.56%	94.05%	94.04%	94.04%	94.05%	94.04%	94.01%	94.01%	94.01%	94.00%	94.00%	94.00%
No. of Shareholders	38,677	1,03,915	1,24,688	1,61,691	1,86,412	1,99,567	2,09,394	2,08,820	2,05,710	2,01,851	1,97,774	1,93,874

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	5.34%	5.34%	5.34%	5.34%	5.34%	5.34%	5.44%	5.95%	5.95%	5.95%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.04%	0.04%
	94.66%	94.66%	94.66%	94.66%	94.66%	94.66%	94.57%	94.04%	94.01%	94.00%
No. of Shareholders	2,689	2,771	2,745	2,572	2,814	33,833	37,503	1,61,691	2,08,820	1,93,874

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Visagar Financial Services Ltd

Visagar Financial Services Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

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