Vani Commercials Ltd
₹ 7.60
0.13%
31 Jul
- close price
About
Incorporated in 1988, Vani Commercials Ltd is an NBFC - Investment and Credit Company.[1]
Key Points
- Market Cap ₹ 22.4 Cr.
- Current Price ₹ 7.60
- High / Low ₹ 14.0 / 6.71
- Stock P/E 62.1
- Book Value ₹ 12.0
- Dividend Yield 0.00 %
- ROCE 5.01 %
- ROE 1.46 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.63 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 1.67% over last 3 years.
* 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.23 | 0.30 | 0.29 | 0.24 | 0.26 | 0.54 | 0.67 | 1.06 | 1.89 | 3.14 | 3.39 | 5.71 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.36 | 0.60 | 0.37 | 1.15 | 0.66 | 1.35 |
| 0.20 | 0.26 | 0.25 | 0.23 | 0.24 | 0.53 | 0.27 | 0.35 | 1.97 | 1.41 | 2.15 | 3.60 | |
| Financing Profit | 0.03 | 0.04 | 0.04 | 0.01 | 0.02 | 0.01 | 0.04 | 0.11 | -0.45 | 0.58 | 0.58 | 0.76 |
| Financing Margin % | 13.04% | 13.33% | 13.79% | 4.17% | 7.69% | 1.85% | 5.97% | 10.38% | -23.81% | 18.47% | 17.11% | 13.31% |
| 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.02 | 0.00 | 0.01 | 0.27 | 0.02 | 0.02 | 0.05 | |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 | 0.16 |
| Profit before tax | 0.03 | 0.04 | 0.04 | 0.02 | 0.02 | 0.03 | 0.04 | 0.12 | -0.18 | 0.60 | 0.48 | 0.65 |
| Tax % | 33.33% | 25.00% | 50.00% | 50.00% | 50.00% | 66.67% | 25.00% | 58.33% | 66.67% | 60.00% | 45.83% | 44.62% |
| 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.03 | 0.05 | -0.30 | 0.24 | 0.26 | 0.36 | |
| EPS in Rs | 0.05 | 0.05 | 0.05 | 0.02 | 0.02 | 0.00 | 0.07 | 0.12 | -0.26 | 0.20 | 0.22 | 0.12 |
| Dividend Payout % | 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: | 34% |
| 5 Years: | 54% |
| 3 Years: | 45% |
| TTM: | 68% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 34% |
| 5 Years: | 64% |
| 3 Years: | 47% |
| TTM: | 38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 23% |
| 3 Years: | -18% |
| 1 Year: | -27% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 1% |
| 3 Years: | 2% |
| Last Year: | 1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 11.74 | 11.74 | 11.74 | 29.41 |
| Reserves | -0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.04 | 0.07 | 0.11 | 1.34 | 1.66 | 2.02 | 6.04 |
| Borrowing | 0.00 | 0.10 | 0.00 | 0.00 | 0.00 | 4.11 | 6.87 | 13.55 | 9.34 | 40.22 | 30.60 | 0.00 |
| 0.08 | 0.10 | 0.03 | 0.03 | 0.03 | 0.08 | 0.14 | 0.18 | 0.65 | 1.64 | 1.53 | 23.11 | |
| Total Liabilities | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.26 | 45.89 | 58.56 |
| 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.25 | 0.42 | |
| 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 | 1.96 | 1.96 | 1.96 | 1.96 | 1.96 | 2.06 | 2.05 | 2.05 | 4.22 | 3.24 | 4.85 | 3.02 |
| 2.21 | 2.36 | 2.20 | 2.21 | 2.22 | 6.29 | 9.15 | 15.91 | 18.85 | 51.99 | 40.79 | 55.12 | |
| Total Assets | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.26 | 45.89 | 58.56 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.06 | 0.04 | -0.09 | -0.03 | 0.04 | -4.24 | -2.72 | -6.76 | -2.19 | -31.61 | 11.22 | 0.00 | |
| -2.06 | -0.14 | 0.53 | -0.16 | 0.04 | -0.11 | 0.01 | 0.00 | -2.63 | 0.96 | -1.85 | 0.00 | |
| 2.10 | 0.10 | -0.10 | 0.00 | 0.00 | 4.11 | 2.76 | 6.68 | 4.93 | 30.87 | -9.63 | 0.00 | |
| Net Cash Flow | -0.02 | 0.00 | 0.34 | -0.19 | 0.07 | -0.24 | 0.06 | -0.09 | 0.11 | 0.22 | -0.26 | 0.00 |
| Free Cash Flow | -0.07 | 0.04 | -0.09 | -0.03 | 0.04 | -4.24 | -2.72 | -6.76 | -2.19 | -31.63 | 10.99 | 0.00 |
| CFO/OP | -167% | 125% | -175% | -200% | 250% | -42,400% | -680% | -952% | 2,738% | -1,827% | 905% | 0% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0.66% | 0.49% | 0.48% | 0.24% | 0.24% | 0.00% | 0.72% | 1.19% | -3.47% | 1.81% | 1.91% | 1.46% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Loans (Loan Book / Loans and Advances) INR Lakhs |
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Documents
Announcements
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
11 Jul - Submission of Certificate issued by the Registrar and Share Transfer Agent of the company dated 2nd July 2026
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Announcement under Regulation 30 (LODR)-Change in Management
25 Jun - Ms. Nikita Pal resigned as Company Secretary and Compliance Officer effective close of business June 25, 2026.
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Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance Officer
25 Jun - Ms. Nikita Pal resigned as Company Secretary and Compliance Officer effective close of business June 25, 2026.
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Closure of Trading Window
25 Jun - Trading window closed from 1 July 2026 until 48 hours after Q1 FY27 results.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
8 Jun - Submitted Annual Secretarial Compliance Report for FY ended 31 March 2026.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
from bse
Business Overview:[1][2]
VCL is registered as a Non-Systematically Important Non-Deposit Taking Non-banking Financial Company. It has a lending portfolio across retail, SME, and commercial customers with a significant presence in urban India. The company offers a variety of financial services products to its customers.