VLS Finance [VLSFINANCE] vs SG Finserve [SGFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: VLS Finance Ltd. wins in 7 metrics, SG Finserve Ltd. wins in 10 metrics, with 1 ties. SG Finserve Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | VLS Finance Ltd. | SG Finserve Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.55 | 24.51 | VLS Finance Ltd. |
| Price-to-Book Ratio | 0.32 | 2.13 | VLS Finance Ltd. |
| Debt-to-Equity Ratio | 0.00 | 185.19 | Tie |
| PEG Ratio | -0.11 | 0.32 | SG Finserve Ltd. |
| EV/EBITDA | 10.99 | 18.02 | VLS Finance Ltd. |
| Profit Margin (TTM) | 61.29% | 38.26% | VLS Finance Ltd. |
| Operating Margin (TTM) | 77.39% | 93.82% | SG Finserve Ltd. |
| EBITDA Margin (TTM) | 77.39% | 93.82% | SG Finserve Ltd. |
| Return on Equity | 1.87% | 10.32% | SG Finserve Ltd. |
| Return on Assets (TTM) | 1.70% | 5.81% | SG Finserve Ltd. |
| Free Cash Flow (TTM) | $2.00B | $-15.73B | VLS Finance Ltd. |
| Dividend Yield | 1.36% | N/A | N/A |
| 1-Year Return | -8.08% | 42.03% | SG Finserve Ltd. |
| Price-to-Sales Ratio (TTM) | 8.33 | 10.84 | VLS Finance Ltd. |
| Enterprise Value | $6.93B | $55.26B | SG Finserve Ltd. |
| EV/Revenue Ratio | 7.52 | 16.56 | VLS Finance Ltd. |
| Gross Profit Margin (TTM) | 34.38% | 96.64% | SG Finserve Ltd. |
| Revenue per Share (TTM) | $27 | $59 | SG Finserve Ltd. |
| Earnings per Share (Diluted) | $16.80 | $22.40 | SG Finserve Ltd. |
| Beta (Stock Volatility) | 0.23 | N/A | N/A |
VLS Finance Ltd. vs SG Finserve Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| VLS Finance Ltd. | 0.74% | 0.56% | -2.81% | 3.22% | -18.63% | -24.11% |
| SG Finserve Ltd. | -1.65% | 5.70% | 3.85% | 59.63% | 49.77% | 48.11% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| VLS Finance Ltd. | -8.08% | 50.08% | 80.74% | 408.46% | 1,444.16% | 1,561.23% |
| SG Finserve Ltd. | 42.03% | 4.93% | 22,969.81% | 4,566.79% | 5,452.68% | 5,452.68% |
Performance & Financial Health Analysis: VLS Finance Ltd. vs SG Finserve Ltd.
| Metric | VLSFINANCE | SGFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹7.43B | ₹35.79B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 12,872 | 69,601 |
| 90 Day Avg. Volume | 14,531 | 40,393 |
| Last Close | ₹231.78 | ₹601.25 |
| 52 Week Range | ₹198.81 - ₹339.00 | ₹323.20 - ₹649.45 |
| % from 52W High | -31.63% | -7.42% |
| All-Time High | ₹454.85 (Sep 30, 2024) | ₹734.00 (May 29, 2023) |
| % from All-Time High | -49.04% | -18.09% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.76% | 0.95% |
| Quarterly Earnings Growth | -0.30% | 0.78% |
| Financial Health | ||
| Profit Margin (TTM) | 0.61% | 0.38% |
| Operating Margin (TTM) | 0.77% | 0.94% |
| Return on Equity (TTM) | 0.02% | 0.10% |
| Debt to Equity (MRQ) | 0.00 | 185.19 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹761.33 | ₹257.37 |
| Cash per Share (MRQ) | ₹39.34 | ₹35.97 |
| Operating Cash Flow (TTM) | ₹2.15B | ₹-15,714,842,624 |
| Levered Free Cash Flow (TTM) | ₹462.04M | ₹-15,018,199,040 |
| Dividends | ||
| Last 12-Month Dividend Yield | 1.36% | N/A |
| Last 12-Month Dividend | ₹3.00 | N/A |
Valuation & Enterprise Metrics Analysis: VLS Finance Ltd. vs SG Finserve Ltd.
| Metric | VLSFINANCE (Apr 24, 2026) | SGFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.55 | 24.51 |
| Forward P/E | N/A | N/A |
| PEG Ratio | -0.11 | 0.32 |
| Price to Sales (TTM) | 8.33 | 10.84 |
| Price to Book (MRQ) | 0.32 | 2.13 |
| Market Capitalization | ||
| Market Capitalization | ₹7.43B | ₹35.79B |
| Enterprise Value | ₹6.93B | ₹55.26B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 7.52 | 16.56 |
| Enterprise to EBITDA | 10.99 | 18.02 |
| Risk & Other Metrics | ||
| Beta | 0.23 | N/A |
| Book Value per Share (MRQ) | ₹761.33 | ₹257.37 |
Financial Statements Comparison: VLS Finance Ltd. vs SG Finserve Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | VLSFINANCE (2025) | SGFIN (2026) |
|---|---|---|
| Revenue/Sales | 720.68M | 3.33B |
| Cost of Goods Sold | 71.66M | 144.72M |
| COGS % of Revenue | 9.9% | 4.3% |
| Gross Profit | 649.02M | 3.18B |
| Gross Margin | 90.1% | 95.7% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 497.22M | 3.08B |
| Operating Margin | 69.0% | 92.4% |
| EBITDA | 630.26M | 3.08B |
| EBITDA Margin | 87.5% | 92.7% |
| Pre-Tax Income | 583.62M | 1.72B |
| Pre-Tax Income % of Revenue | 81.0% | 51.5% |
| Income Tax | 121.57M | 438.93M |
| Income Tax % of Revenue | 16.9% | 13.2% |
| Net Income (Profit) | 462.04M | 1.28B |
| Profit Margin | 64.1% | 38.4% |
Balance Sheet & Liquidity Metrics
| Metric | VLSFINANCE (2025) | SGFIN (2026) |
|---|---|---|
| Cash & Equivalents | 3.22B | 1.52B |
| Total Current Assets | 3.56B | 41.30B |
| Total Current Assets % of Revenue | 493.7% | 1,240.9% |
| Total Current Liabilities | 119.03M | N/A |
| Total Current Liabilities % of Revenue | 16.5% | 0.0% |
| Long-Term Debt | 8.62M | 27.04B |
| Long-Term Debt % of Revenue | 1.2% | 812.5% |
| Total Shareholders Equity | 24.72B | 14.60B |
| Retained Earnings | 17.66B | N/A |
| Retained Earnings % of Revenue | 2,450.6% | 0.0% |
| Property, Plant & Equipment | 1.24B | N/A |
Cash Flow Statement Comparison
| Metric | VLSFINANCE (2025) | SGFIN (2026) |
|---|---|---|
| Operating Cash Flow | 2.15B | -15.34B |
| Operating Cash Flow % of Revenue | 297.9% | -460.8% |
| Capital Expenditures | -5.63M | -4.01M |
| Free Cash Flow | 2.00B | -15.73B |
| FCF Margin | 277.0% | -472.5% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | -354.92M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | VLSFINANCE | SGFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 31.38M | 65.27M |
| Float Shares | 11.33M | 26.29M |
| % Held by Insiders | 66.64% | 60.91% |
| % Held by Institutions | 0.18% | 1.42% |
| % Held by Public | 33.18% | 37.67% |
Dividend Analysis & Yield Comparison: VLS Finance Ltd. vs SG Finserve Ltd.
| Metric | VLSFINANCE | SGFIN |
|---|---|---|
| Last 12-Month Dividend | ₹3.00 | N/A |
| Last 12-Month Dividend Yield | 1.36% | N/A |
| 3-Year Avg Annual Dividend | ₹2.00 | N/A |
| 3-Year Avg Dividend Yield | 0.72% | N/A |
| 3-Year Total Dividends | ₹6.00 | N/A |
| Ex-Dividend Date | Sep 12, 2025 | N/A |