Vani Commercials Ltd
₹ 8.18
13.45%
01 Apr
- close price
About
Incorporated in 1988, Vani Commercials Ltd is an NBFC - Investment and Credit Company.[1]
Key Points
- Market Cap ₹ 24.1 Cr.
- Current Price ₹ 8.18
- High / Low ₹ 15.0 / 6.71
- Stock P/E 33.4
- Book Value ₹ 12.0
- Dividend Yield 0.00 %
- ROCE 2.33 %
- ROE 1.91 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Stock is trading at 0.68 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 0.56% over last 3 years.
- Earnings include an other income of Rs.0.64 Cr.
* 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 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.18 | 0.23 | 0.30 | 0.29 | 0.24 | 0.26 | 0.54 | 0.67 | 1.06 | 1.89 | 3.14 | 3.39 | 4.15 | |
| 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 | 0.99 |
| 0.13 | 0.20 | 0.26 | 0.25 | 0.23 | 0.24 | 0.53 | 0.27 | 0.35 | 1.97 | 1.41 | 2.15 | 2.72 | |
| Financing Profit | 0.05 | 0.03 | 0.04 | 0.04 | 0.01 | 0.02 | 0.01 | 0.04 | 0.11 | -0.45 | 0.58 | 0.58 | 0.44 |
| Financing Margin % | 27.78% | 13.04% | 13.33% | 13.79% | 4.17% | 7.69% | 1.85% | 5.97% | 10.38% | -23.81% | 18.47% | 17.11% | 10.60% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.02 | 0.00 | 0.01 | 0.27 | 0.02 | 0.02 | 0.64 | |
| 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 | 0.14 |
| 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 | 0.94 |
| 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 | 0.72 | |
| 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 | 0.61 |
| 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: | 33% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | % |
| 3 Years: | 73% |
| TTM: | 80% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 34% |
| 3 Years: | -8% |
| 1 Year: | -23% |
| 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 | Sep 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 | 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 | 2.38 |
| Borrowing | 0.00 | 0.00 | 0.10 | 0.00 | 0.00 | 0.00 | 4.11 | 6.87 | 13.55 | 9.34 | 40.22 | 30.60 | 0.00 |
| 0.08 | 0.08 | 0.10 | 0.03 | 0.03 | 0.03 | 0.08 | 0.14 | 0.18 | 0.65 | 1.64 | 1.53 | 39.66 | |
| Total Liabilities | 2.06 | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.26 | 45.89 | 53.78 |
| 0.00 | 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 | 0.00 |
| Investments | 0.40 | 1.96 | 1.96 | 1.96 | 1.96 | 1.96 | 2.06 | 2.05 | 2.05 | 4.22 | 3.24 | 4.85 | 3.24 |
| 1.66 | 2.21 | 2.36 | 2.20 | 2.21 | 2.22 | 6.29 | 9.15 | 15.91 | 18.85 | 51.99 | 40.79 | 50.12 | |
| Total Assets | 2.06 | 4.18 | 4.33 | 4.17 | 4.17 | 4.18 | 8.35 | 11.20 | 17.96 | 23.07 | 55.26 | 45.89 | 53.78 |
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 | 0.96 | -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 | |
| 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 |
| Free Cash Flow | 0.06 | -0.07 | 0.04 | -0.09 | -0.03 | 0.04 | -4.24 | -2.72 | -6.76 | -2.19 | -31.63 | 10.99 |
| CFO/OP | 160% | -167% | 125% | -175% | -200% | 250% | -42,400% | -680% | -952% | 2,738% | -1,827% | 905% |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 2.04% | 0.66% | 0.49% | 0.48% | 0.24% | 0.24% | 0.00% | 0.72% | 1.19% | -3.47% | 1.81% | 1.91% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
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Requires Premium
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Documents
Announcements
-
Closure of Trading Window
2d - Vani Commercials: trading window closed from 1 April 2026 until 48 hours after audited FY2025-26 results.
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 7 Mar
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 7 Mar
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 7 Mar
- Disclosures under Reg. 29(1) of SEBI (SAST) Regulations, 2011 7 Mar
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
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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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.