Micro Asset Management

VB Desai Financial Services Ltd.

VBDESAI

₹34.3

2.85% (0.95)

Market Cap

₹16 Cr.

P/E

27.69

VB Desai Financial Services Ltd.
Overview
Financials
Benchmarking
Shareholding

VB Desai Financial Services Ltd.

VB Desai Financial Services Ltd.
Overview
Financials
Benchmarking
Shareholding

Price
Growth Table
Balance Sheet
Profit & Loss
Cash Flow
Cash Flow Analysis
Ratios
Quarterly Results
Reverse DCF

FAQs on VB Desai Financial Services Ltd. Shareprice

Has the share price of VB Desai Fin.Service grown faster than its competition?

VB Desai Fin.Service has given lower returns compared to its competitors.
VB Desai Fin.Service has grown at ~17.28% over the last 8yrs while peers have grown at a median rate of 17.61%

Is VB Desai Fin.Service stock expensive?

Yes, VB Desai Fin.Service is expensive.
Latest PE of VB Desai Fin.Service is 26.97, while 3 year average PE is 16.3.
Also latest EV/EBITDA of VB Desai Fin.Service is 52.82 while 3yr average is 18.65.

View FAQ's On Business

Growth Table

VB Desai Financial Services Ltd.
Jackson Investments
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Market Creators
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In %	1yr	2yr	3yr	4yr	5yr	6yr	7yr	8yr	9yr	10yr
Share Price CAGR	80.72	88.92	50.46	62.74	67.26	31.88	17.26	17.00	17.11	16.08
TTM EPS CAGR	23.29	36.31	19.14	32.47	2.58	—	51.68	30.90	9.64	5.04
Sales CAGR	-9.29	6.72	2.14	8.88	2.61	4.90	12.69	13.02	9.87	8.77
PAT Margin (Abs Growth)	2.51	1.49	5.34	-8.79	-6.38	8.64	-0.83	-6.95	-14.53	8.88
PE CAGR	46.58	38.60	26.29	22.85	63.05	—	-22.69	-10.62	6.81	10.51
CFO CAGR	-354	-14.16	—	—	-32.73	-24.69	—	3.43	-6.93	—

* Share price and PE growth are updated everyday. All other fields are as of latest financial year end. EPS adjusted for bonus and splits.

Balance Sheet

VB Desai Financial Services Ltd.
Jackson Investments
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Assets	9.27	9.49	9.59	10.04	10.58	10.76	11.19	11.49	12.09	12.64
Non Current Assets	8.43	8.82	9.25	9.66	9.86	10.08	10.58	10.73	10.89	10.97
Net Block	0.13	0.10	0.07	0.05	0.02	0.01	0.01	0.00	0.00	0.04
Capital Work in Progress	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—
Intangible Assets Under Development	—	—	—	—	—	—	—	—	—	—
Long Term Investments	3.31	3.44	5.44	7.92	8.22	8.21	8.54	8.67	8.67	0.13
Current Assets	0.90	0.73	0.41	0.49	0.83	0.78	0.72	0.85	1.29	1.66
Inventory	0.02	0.04	0.03	0.02	0.01	0.01	0.01	0.01	0.01	—
Accounts Receivable	0.10	0.11	0.12	0.16	0.18	0.14	0.27	0.38	0.43	0.29
Short Term Investments	—	—	—	—	—	—	—	—	—	—
Cash & Bank Balances	0.51	0.28	0.07	0.13	0.12	0.10	0.21	0.08	0.40	0.58
Liabilities	9.27	9.49	9.59	10.04	10.58	10.76	11.19	11.49	12.09	12.64
Shareholders Funds	9.02	9.15	9.20	9.57	10.16	10.35	10.71	11.02	11.49	12.05
Share Capital	4.54	4.54	4.54	4.54	4.54	4.54	4.54	4.54	4.54	4.54
Reserves	4.49	4.61	4.66	5.03	5.62	5.81	6.17	6.48	6.95	7.51
Non Current Liabilities	0.06	0.07	0.12	0.17	0.17	0.17	0.06	-0.06	-0.10	0.28
Secured Loans	—	—	—	—	—	—	—	—	—	—
Unsecured Loans	—	—	—	—	—	—	—	—	—	—
Current Liabilities	0.18	0.27	0.26	0.31	0.25	0.23	0.41	0.53	0.70	0.31
Accounts Payable	0.03	0.07	0.09	0.15	0.10	0.13	0.16	0.21	0.32	0.23
Short Term Loans	0.07	—	—	—	—	—	—	—	—	—

Balance Sheet Snapshot

No data available.

Fund Flow Analysis

Increase
Decrease
Total

No data available.

*Data is as of latest FY end

Profit & Loss

VB Desai Financial Services Ltd.
Jackson Investments
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Sales	1.21	0.87	1.23	2.12	2.49	2.01	2.66	2.49	3.12	2.83
Operating Expenses	1.03	0.99	1.20	1.64	1.86	1.83	2.32	2.32	2.68	2.56
Raw Material	—	—	—	—	—	—	—	—	—	0.00
Material Cost (%)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	0.21	0.26	0.30	0.36	0.37	0.35	0.43	0.46	0.47	0.46
Power & Fuel Cost	0.02	0.05	0.02	0.01	—	—	—	—	—	—
Operating Profit	0.18	-0.11	0.02	0.48	0.63	0.18	0.34	0.17	0.44	0.27
Other Income	0.19	0.29	0.23	0.07	0.11	0.14	0.15	0.28	0.18	0.50
OPM (%)	14.84	-12.81	1.85	22.72	25.24	8.95	12.77	6.78	14.07	9.65
Depreciation and Amortisation	0.03	0.03	0.03	0.03	0.02	0.01	0.01	0.01	0.00	0.00
Interest	0.00	0.01	0.00	—	—	—	—	—	—	0.00
Profit Before Tax	0.34	0.13	0.22	0.52	0.71	0.32	0.49	0.44	0.62	0.77
Tax	0.07	-0.01	0.14	0.06	0.12	0.12	0.13	0.13	0.15	0.21
Net Profit	0.27	0.14	0.08	0.45	0.59	0.19	0.36	0.31	0.47	0.56
Number of shares(Crs)	0.45	0.45	0.45	0.45	0.45	0.45	0.45	0.45	0.45	—
Dividend Payout Ratio(%)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

TTM Values as of Mar 2025

Cash Flow

VB Desai Financial Services Ltd.
Jackson Investments
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In Rs. Cr.	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash from Operating Activity	0.25	-0.13	1.77	2.35	-0.07	-0.02	0.44	-0.13	0.32	-8.31
Profit Before Tax	0.34	0.13	0.22	0.52	0.71	0.32	0.49	0.44	0.62	0.77
Adjustments	-0.13	-0.07	0.06	-0.21	-0.31	0.01	-0.00	-0.14	-0.01	0.02
OCF Before Working Capital	0.39	0.10	0.28	0.30	0.40	0.32	0.48	0.31	0.61	0.79
Working Capital Changes	-0.06	-0.11	1.66	2.23	-0.27	-0.19	0.11	-0.40	-0.13	-8.96
Taxes Paid	-0.08	-0.12	-0.17	-0.18	-0.20	-0.15	-0.16	-0.04	-0.16	-0.15
Cash from Investing Activity	-0.02	-0.01	-1.99	-2.29	0.05	0.00	-0.32	-0.00	0.00	8.49
Net Fixed Assets Purchased	0.00	0.00	0.00	-0.01	0.00	0.00	0.00	-0.00	0.00	-0.04
Fixed Assets Purchased	—	—	—	-0.01	—	—	—	-0.00	—	-0.04
Fixed Assets Sold	—	—	—	—	—	—	—	—	—	—
Investment Purchased	-0.02	-3.73	-2.27	-3.25	—	—	-0.34	-5.42	—	-0.28
Investment Sold	—	3.72	0.28	0.97	0.05	—	0.02	5.42	—	8.79
Interest Recieved	—	—	—	—	—	—	—	—	—	—
Dividends Recieved	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01
Subsidiary Investments	—	—	—	—	—	—	—	—	—	—
Cash from Financing Activity	0.07	-0.09	-0.00	—	—	—	—	—	—	—
Proceeds From Shares	—	—	—	—	—	—	—	—	—	—
Net Long Term Borrowings	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Proceeds From Borrowings	—	—	—	—	—	—	—	—	—	—
Repayment From Borrowings	—	—	—	—	—	—	—	—	—	—
Interest Paid	-0.00	-0.01	-0.00	—	—	—	—	—	—	—
Dividend Paid	—	—	—	—	—	—	—	—	—	—
Net Cash Flow	0.30	-0.23	-0.22	0.06	-0.01	-0.02	0.11	-0.13	0.32	0.17
Opening Cash & Cash Equivalents	0.21	0.51	0.28	0.07	0.13	0.12	0.10	0.21	0.08	0.40
Effect of FX	—	—	—	—	—	—	—	—	—	—
Closing Cash & Cash Equivalents	0.51	0.28	0.07	0.13	0.12	0.10	0.21	0.08	0.40	0.58
Net Capex (est)	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.04
Free Cash Flow (est)	0.25	-0.13	1.77	2.34	-0.07	-0.02	0.44	-0.13	0.32	-8.35

Cash Flow Analysis

Increase
Decrease
Total

No data available.

Ratios

= Dominant Factor

VB Desai Financial Services Ltd.
Jackson Investments
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Market Creators
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	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational Ratios
Quick Ratio	5.78	4.83	2.58	1.44	1.52	3.28	3.37	1.71	1.59	1.83
Liquid Assets (Crs)	0.67	0.87	0.70	0.38	0.47	0.82	0.78	0.71	0.84	1.28
Current Liabilities (Crs)	0.12	0.18	0.27	0.26	0.31	0.25	0.23	0.41	0.53	0.70
Current Ratio	6.00	4.96	2.73	1.55	1.60	3.31	3.40	1.74	1.61	1.85
Current Assets (Crs)	0.70	0.90	0.73	0.41	0.49	0.83	0.78	0.72	0.85	1.29
Current Liabilities (Crs)	0.12	0.18	0.27	0.26	0.31	0.25	0.23	0.41	0.53	0.70
Interest Coverage Ratio	445	165	10.34	216	—	—	—	—	—	—
EBIT (Crs)	0.35	0.34	0.14	0.22	0.52	0.71	0.32	0.49	0.44	0.62
Interest Expenses (Crs)	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.99	2.88	6.89	8.75	14.59	17.08	13.83	18.25	101	126
Net Sales (Crs)	1.25	1.21	0.87	1.23	2.12	2.49	2.01	2.66	2.49	3.12
Fixed Assets (Crs)	0.42	0.42	0.13	0.14	0.15	0.15	0.15	0.15	0.02	0.02
Cash Conversion Cycle	554	-15.79	14.70	-23.51	-53.72	-74.80	30.93	29.51	49.02	48.98
Inventory Days	8.95	7.26	12.85	10.17	4.61	2.19	1.27	1.23	1.53	1.49
Days Receivable	599	23.32	43.76	34.70	23.84	25.06	29.65	28.28	47.48	47.48
Days Payable	54.14	46.37	41.91	68.38	82.16	102	—	—	—	—
Debt to Equity Ratio	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Debt (Crs)	0.00	0.07	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Shareholders Equity (Crs)	8.76	9.02	9.15	9.20	9.57	10.16	10.35	10.71	11.02	11.49
Free Cash Flow/Sales (%)	49.14	20.42	-15.06	145	110	-2.64	-0.87	16.52	-5.30	10.37
Free Cash Flow(est) (Crs)	0.62	0.25	-0.13	1.77	2.34	-0.07	-0.02	0.44	-0.13	0.32
Net Sales (Crs)	1.25	1.21	0.87	1.23	2.12	2.49	2.01	2.66	2.49	3.12
Profitability Ratios
Gross Margin (%)	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
Op Profit Margin (%)	30.82	14.84	-12.81	1.85	22.72	25.24	8.95	12.77	6.78	14.07
Operating Profit (Crs)	0.39	0.37	0.17	0.25	0.55	0.74	0.32	0.49	0.45	0.62
Net Sales (Crs)	1.25	1.21	0.87	1.23	2.12	2.49	2.01	2.66	2.49	3.12
Net Profit Margin (%)	29.51	21.93	15.81	6.34	21.36	23.76	9.64	13.49	12.46	14.98
Net Profit (Crs)	0.37	0.27	0.14	0.08	0.45	0.59	0.19	0.36	0.31	0.47
Net Sales (Crs)	1.25	1.21	0.87	1.23	2.12	2.49	2.01	2.66	2.49	3.12
ROCE (%)	3.91	3.72	1.54	2.34	5.32	6.89	3.02	4.53	4.05	5.44
EBIT (Crs)	0.35	0.34	0.14	0.22	0.52	0.71	0.32	0.49	0.44	0.62
Capital Employed (Crs)	8.82	9.09	9.22	9.32	9.74	10.33	10.53	10.77	10.96	11.39
Return on Assets (%)	4.14	2.86	1.46	0.81	4.52	5.59	1.80	3.20	2.70	3.86
Net Profit (Crs)	0.37	0.27	0.14	0.08	0.45	0.59	0.19	0.36	0.31	0.47
Total Assets (Crs)	8.94	9.27	9.49	9.59	10.04	10.58	10.76	11.19	11.49	12.09
ROIC (%)	10.32	3.28	-4.15	-0.10	69.21	91.09	20.40	154	37.00	81.41
Op Profit after Taxes (Crs)	0.37	0.12	-0.15	-0.00	0.39	0.50	0.11	0.24	0.11	0.33
Invested Capital (Crs)	3.57	3.54	3.72	3.78	0.57	0.55	0.52	0.16	0.30	0.41
ROE (%)	4.22	2.94	1.51	0.84	4.74	5.82	1.87	3.35	2.81	4.07
Net Profit Margin (%)	29.51	21.93	15.81	6.34	21.36	23.76	9.64	13.49	12.46	14.98
Asset Turnover ratio	0.14	0.13	0.09	0.13	0.21	0.24	0.19	0.24	0.22	0.26
Equity Multiplier	1.02	1.03	1.04	1.04	1.05	1.04	1.04	1.04	1.04	1.05
Adjusted EPS	0.82	0.59	0.31	0.17	1.00	1.31	0.43	0.79	0.68	1.03
Valuation Ratios
P/E	13.46	12.65	36.88	64.37	6.49	2.53	7.93	15.60	12.54	16.09
Price to Book	0.57	0.37	0.56	0.54	0.31	0.15	0.15	0.52	0.35	0.65
EV/EBITDA	12.27	7.89	27.76	19.59	5.10	1.87	4.45	10.89	8.41	11.46
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Quarterly Results

VB Desai Financial Services Ltd.
Jackson Investments
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In Rs. Cr.	Dec'22	Mar'23	Jun'23	Sep'23	Dec'23	Mar'24	Jun'24	Sep'24	Dec'24	Mar'25
Net Sales	0.53	0.56	0.81	0.50	0.78	1.03	0.77	0.73	0.62	0.71
Operating Expenses	0.50	0.50	0.68	0.47	0.72	0.82	0.65	0.65	0.58	0.68
Increase/Decrease in Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Raw Material	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Employee Cost	0.11	0.13	0.11	0.08	0.14	0.14	0.11	0.09	0.14	0.12
Selling and Distribution Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Electricity, Power & Fuel Cost	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gen_AdminExpenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Miscellaneous Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Profit	0.03	0.06	0.13	0.03	0.06	0.22	0.12	0.08	0.04	0.03
Other Income	0.04	0.04	0.04	0.04	0.05	0.04	0.05	0.05	0.12	0.28
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
PBDT	0.07	0.10	0.18	0.07	0.11	0.26	0.17	0.13	0.17	0.31
Depreciation and Amortization	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.06	0.10	0.18	0.07	0.11	0.26	0.17	0.13	0.17	0.30
Tax	0.02	0.04	0.04	0.02	0.02	0.07	0.05	0.03	0.02	0.11
Profit After Tax	0.05	0.06	0.13	0.06	0.09	0.19	0.12	0.09	0.14	0.20
Exceptional Items	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Profit	0.05	0.06	0.13	0.06	0.09	0.19	0.12	0.09	0.14	0.20
Quarterly Ratios
EPS	0.10	0.14	0.29	0.12	0.19	0.43	0.27	0.21	0.32	0.43
Operating Profit Margin	5.09	10.41	16.42	6.40	7.10	21.16	15.78	10.84	6.94	4.10
Net Profit Margin	8.87	11.49	16.30	11.20	11.23	18.65	16.04	12.89	23.39	27.82

Reverse DCF

Earnings

Discount Rate (%)

Terminal Multiple

5 YEAR

10 YEAR

20 YEAR

36.50%

Implied Growth Rate over a 5 year period*

12.50%

Implied Growth Rate over a 10 year period*

5.10%

Implied Growth Rate over a 20 year period*

*Implied Growth calculated using Newton-Raphson method.

Learn how to use Reverse DCF

FAQs on VB Desai Financial Services Ltd. Financials

How strong is VB Desai Fin.Service balance sheet?

Balance sheet of VB Desai Fin.Service is strong.
It shouldn't have solvency or liquidity issues.

Is the debt of VB Desai Fin.Service increasing or decreasing?

Yes, The net debt of VB Desai Fin.Service is increasing.
Latest net debt of VB Desai Fin.Service is -₹0.58 Crs as of Mar-25.
This is greater than Mar-24 when it was -₹0.76 Crs.

Is the profitablity of VB Desai Fin.Service improving?

Yes, profit is increasing.
The profit of VB Desai Fin.Service is ₹0.56 Crs for TTM, ₹0.47 Crs for Mar 2024 and ₹0.31 Crs for Mar 2023.

Does VB Desai Fin.Service pay decent dividends?

The company seems to be paying a very low dividend.
Investors need to see where the company is allocating its profits.
VB Desai Fin.Service latest dividend payout ratio is 0% and 3yr average dividend payout ratio is 0%

How has VB Desai Fin.Service allocated its funds?

Companies resources are majorly tied in miscellaneous assets

View FAQ's On Shareholding

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VB Desai Financial Services Ltd.

VB Desai Financial Services Ltd.

Has the share price of VB Desai Fin.Service grown faster than its competition?

Is VB Desai Fin.Service stock expensive?

How strong is VB Desai Fin.Service balance sheet?

Is the debt of VB Desai Fin.Service increasing or decreasing?

Is the profitablity of VB Desai Fin.Service improving?

Does VB Desai Fin.Service pay decent dividends?

How has VB Desai Fin.Service allocated its funds?

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