Vaibhav Vyapaar Ltd
₹ 56.1
3.89%
30 Oct
- close price
About
Incorporated in February 2009, Vaibhav Vyapaar Limited is a Non-Banking Financial Company (NBFC) providing unsecured personal loans to salaried and self-employed individuals through its fully digital lending platform.[1]
Key Points
- Market Cap ₹ 158 Cr.
- Current Price ₹ 56.1
- High / Low ₹ 56.7 / 50.3
- Stock P/E 80.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 15.6 %
- ROE 6.98 %
- Face Value ₹ 5.00
Pros
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 4.85% 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
Figures in Rs. Crores
| Interest |
| Financing Profit |
| Financing Margin % |
| Depreciation |
| Profit before tax |
| Tax % |
| EPS in Rs |
| Gross NPA % |
| Net NPA % |
| Raw PDF |
Profit & Loss
Figures in Rs. Crores
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| 25.46 | 25.34 | 36.96 | |
| Interest | 4.04 | 5.10 | 6.68 |
| 19.85 | 17.96 | 25.92 | |
| Financing Profit | 1.57 | 2.28 | 4.36 |
| Financing Margin % | 6.17% | 9.00% | 11.80% |
| 0.00 | 0.00 | 0.68 | |
| Depreciation | 0.96 | 1.25 | 1.89 |
| Profit before tax | 0.61 | 1.03 | 3.15 |
| Tax % | 24.59% | -43.69% | 37.46% |
| 0.45 | 1.48 | 1.97 | |
| EPS in Rs | 0.28 | 0.91 | 1.22 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 46% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 33% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 5% |
| Last Year: | 7% |
Balance Sheet
Figures in Rs. Crores
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| Equity Capital | 4.03 | 4.03 | 8.05 |
| Reserves | 21.71 | 23.19 | 21.14 |
| Borrowing | 26.76 | 22.66 | 46.80 |
| 8.68 | 5.16 | 8.23 | |
| Total Liabilities | 61.18 | 55.04 | 84.22 |
| 4.38 | 6.23 | 6.93 | |
| CWIP | 0.00 | 0.00 | 0.00 |
| Investments | 6.51 | 0.00 | 0.82 |
| 50.29 | 48.81 | 76.47 | |
| Total Assets | 61.18 | 55.04 | 84.22 |
Cash Flows
Figures in Rs. Crores
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| -4.34 | 0.31 | -18.44 | |
| -8.04 | 3.70 | -3.30 | |
| 12.01 | -4.68 | 23.60 | |
| Net Cash Flow | -0.38 | -0.67 | 1.86 |
| Free Cash Flow | -6.08 | -2.79 | -21.08 |
Ratios
| Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|
| ROE % | 1.75% | 5.59% | 6.98% |
Documents
Announcements
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Trading Window
- Trading window closed from Oct 27, 2026 until 48 hours after Q2 FY26 results.
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Updates
- Board approved Code for Fair Disclosure of UPSI under SEBI PIT Regulations; available on company website.
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Updates
- Vaibhav Vyapaar disclosed KMP authorised for materiality decisions under Regulation 30(5).
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Updates
- Kfin Technologies appointed as Registrar and Share Transfer Agent on October 26, 2026.
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Updates
- Aditya Singh Solanky appointed Company Secretary and Compliance Officer effective November 4, 2025.
Business Overview[1][2]
Vaibhav Vyapaar Limited (VVL) is a Reserve Bank of India (RBI)-registered non-banking financial company, providing unsecured personal loans to salaried and self-employed individuals through its digital lending platform, LoanFront. The company operates through direct lending and co-lending arrangements with other financial institutions. It also earns revenue by providing application and technology services to other NBFCs.
Originally incorporated in 2009, the company was acquired by CapFront Technologies Private Limited in October 2019, following which it developed its digital lending operations under the LoanFront brand. The platform supports the entire lending process, including customer onboarding, KYC verification, credit assessment, loan origination, disbursement, repayment, and collections.