Vani Commercials Ltd

Vani Commercials Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Vani Commercials Ltd

₹ 10.3 -4.90%
11 Jul - close price
vanicommercials.com BSE: 538918
About

Incorporated in 1988, Vani Commercials Ltd is in the business of providing loan and investment as an NBFC

Key Points

Services Offered:[1][2]
a) Loans for Purchase of Equipment and Machinery
b) Working Capital loans
c) Loans for Business or Capacity expansion
d) Loans against Property
e) Loans for Purchase of Commercial Property
f) Loans for E-vehicles and Lease Rental Discounting
g) Personal Loans
h) Unsecured Loans
i) Financial Consultancy
j) Home Loans
k) Retail IPO funding
l) Corporate Deposits

Website BSE
  • Market Cap ₹ 12.1 Cr.
  • Current Price ₹ 10.3
  • High / Low ₹ 15.6 / 9.00
  • Stock P/E 46.5
  • Book Value ₹ 11.7
  • Dividend Yield 0.00 %
  • ROCE 2.33 %
  • ROE 1.91 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has reduced debt.
  • Stock is trading at 0.88 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
0.36 0.38 0.47 0.45 0.59 0.80 1.49 1.25 -0.39 1.39 1.30 0.82 0.01
0.13 0.16 0.23 0.33 0.56 0.46 0.39 0.37 0.16 0.80 0.44 0.66 0.26
Operating Profit 0.23 0.22 0.24 0.12 0.03 0.34 1.10 0.88 -0.55 0.59 0.86 0.16 -0.25
OPM % 63.89% 57.89% 51.06% 26.67% 5.08% 42.50% 73.83% 70.40% 42.45% 66.15% 19.51% -2,500.00%
0.00 0.18 0.15 0.00 0.08 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.62
Interest 0.19 0.19 0.13 0.09 0.05 0.30 0.84 0.89 -0.90 0.78 0.35 -0.02 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.05 0.03 0.03
Profit before tax 0.04 0.21 0.26 0.03 0.06 0.04 0.26 0.00 0.36 -0.20 0.46 0.15 0.34
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 102.78% 0.00% 0.00% 0.00% 64.71%
0.04 0.21 0.26 0.03 0.06 0.04 0.26 0.00 -0.01 -0.20 0.46 0.15 0.12
EPS in Rs 0.10 0.51 0.22 0.03 0.05 0.03 0.22 0.00 -0.01 -0.17 0.39 0.13 0.10
Raw PDF

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: 11%
3 Years: 3%
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%

Shareholding Pattern

Numbers in percentages

8 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
5.43% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65% 8.65%
94.57% 91.35% 91.35% 91.35% 91.34% 91.35% 91.36% 91.35% 91.35% 91.36% 91.36% 91.35%
No. of Shareholders 8438578778759009099801,2081,2571,4251,5771,620

Documents

Announcements

Annual reports