Vani Commercials Ltd
₹ 10.7
1.61%
11 Aug
- close price
About
Incorporated in 1988, Vani Commercials Ltd is an NBFC - Investment and Credit Company.[1]
Key Points
- Market Cap ₹ 12.6 Cr.
- Current Price ₹ 10.7
- High / Low ₹ 15.6 / 9.01
- Stock P/E 48.5
- Book Value ₹ 11.7
- Dividend Yield 0.00 %
- ROCE 2.33 %
- ROE 1.91 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Stock is trading at 0.92 times its book value
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding is low: 8.65%
- Company has a low return on equity of 0.56% over last 3 years.
- Company might be capitalizing the interest cost
* 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.
Loading peers table ...
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Upcoming result date: tomorrow
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.18 | 0.23 | 0.30 | 0.29 | 0.24 | 0.26 | 0.54 | 0.67 | 1.06 | 1.89 | 3.14 | 3.39 | |
| 0.13 | 0.20 | 0.26 | 0.25 | 0.23 | 0.24 | 0.53 | 0.27 | 0.35 | 1.97 | 1.40 | 2.15 | |
| Operating Profit | 0.05 | 0.03 | 0.04 | 0.04 | 0.01 | 0.02 | 0.01 | 0.40 | 0.71 | -0.08 | 1.74 | 1.24 |
| OPM % | 27.78% | 13.04% | 13.33% | 13.79% | 4.17% | 7.69% | 1.85% | 59.70% | 66.98% | -4.23% | 55.41% | 36.58% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.02 | 0.00 | 0.01 | 0.27 | 0.01 | 0.02 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.36 | 0.60 | 0.37 | 1.15 | 0.66 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.12 |
| Profit before tax | 0.05 | 0.03 | 0.04 | 0.04 | 0.02 | 0.02 | 0.03 | 0.04 | 0.12 | -0.18 | 0.60 | 0.48 |
| Tax % | 40.00% | 33.33% | 25.00% | 50.00% | 50.00% | 50.00% | 66.67% | 25.00% | 58.33% | 66.67% | 60.00% | 45.83% |
| 0.04 | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.03 | 0.05 | -0.30 | 0.24 | 0.26 | |
| EPS in Rs | 0.20 | 0.05 | 0.05 | 0.05 | 0.02 | 0.02 | 0.00 | 0.07 | 0.12 | -0.26 | 0.20 | 0.22 |
| 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: | 31% |
| 5 Years: | 44% |
| 3 Years: | 47% |
| TTM: | 8% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | % |
| 3 Years: | 73% |
| TTM: | 8% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -15% |
| 5 Years: | 16% |
| 3 Years: | -4% |
| 1 Year: | 0% |
| Return on Equity | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 1% |
| 3 Years: | 1% |
| Last Year: | 2% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 2.02 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 4.12 | 11.74 | 11.74 | 11.74 |
| Reserves | -0.04 | -0.02 | 0.01 | 0.02 | 0.02 | 0.03 | 0.04 | 0.07 | 0.11 | 1.34 | 1.66 | 2.02 |
| 0.00 | 0.00 | 0.10 | 0.00 | 0.00 | 0.00 | 4.11 | 6.87 | 13.55 | 9.34 | 40.22 | 30.60 | |
| 0.08 | 0.08 | 0.10 | 0.03 | 0.03 | 0.03 | 0.08 | 0.14 | 0.18 | 0.65 | 1.63 | 1.52 | |
| Total Liabilities | 2.06 | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.25 | 45.88 |
| 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.25 | |
| 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 | 0.40 | 1.96 | 1.96 | 1.96 | 1.96 | 1.96 | 2.06 | 2.05 | 2.05 | 4.22 | 3.25 | 4.85 |
| 1.66 | 2.21 | 2.36 | 2.20 | 2.21 | 2.22 | 6.29 | 9.15 | 15.91 | 18.85 | 51.97 | 40.78 | |
| Total Assets | 2.06 | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.25 | 45.88 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.06 | -0.06 | 0.04 | -0.09 | -0.03 | 0.04 | -4.24 | -2.72 | -6.76 | -2.19 | -31.61 | 11.22 | |
| 0.06 | -2.06 | -0.14 | 0.53 | -0.16 | 0.04 | -0.11 | 0.01 | 0.00 | -2.63 | 0.95 | -1.85 | |
| 0.00 | 2.10 | 0.10 | -0.10 | 0.00 | 0.00 | 4.11 | 2.76 | 6.68 | 4.93 | 30.88 | -9.63 | |
| Net Cash Flow | 0.12 | -0.02 | 0.00 | 0.34 | -0.19 | 0.07 | -0.24 | 0.06 | -0.09 | 0.11 | 0.22 | -0.26 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 27.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 27.04 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | -20.28 | 174.57 | 73.00 | 465.69 | 319.38 | 266.73 | 121.67 | 59.93 | 37.88 | -57.94 | -158.09 | -51.68 |
| ROCE % | 2.55% | 0.99% | 0.96% | 0.96% | 0.48% | 0.48% | 0.48% | 4.14% | 4.99% | 0.95% | 4.60% | 2.33% |
Documents
Announcements
-
ANNOUNCEMENT UNDER REGULATION 30
8 Aug - Vani Commercials paid Rs.4.74 lakh penalty after partial SEBI fine waiver for governance non-compliance.
-
Board Meeting Intimation for Meeting Of Board To Be Held On 12Th August, 2025
7 Aug - Board meeting on Aug 12 to approve Q1 unaudited results and AGM-related matters.
-
ANNOUNCEMENT UNDER REGULATION 30- NOC FOR CHANGE IN NAME FROM RBI
28 Jul - RBI grants NOC for company name change, pending MCA and shareholder approvals.
-
Announcement under Regulation 30 (LODR)-Change in Registered Office Address
7 Jul - Appointed two additional directors, shifted registered office, approved Fair Practice Code Framework.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
7 Jul - Appointed two additional directors, shifted registered office, approved Fair Practice Code Framework.
Annual reports
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
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.