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Vardhman Holdings Ltd

Finance | Small Cap

Vardhman Holdings Ltd Health Insights
Health Score : 4.70Health Score : 4.70

Vardhman Holdings Ltd, operating in the Financial Services (Non-Bank Finance) sector, exhibits a mixed financial performance. The company shows strong solvency, driven by a high-interest coverage ratio and minimal debt. Asset growth and operating profit growth rate also contribute positively. However, the company struggles with revenue, EPS, and net income growth, all experiencing significant declines. Profitability metrics, such as gross profit margin, ROCE, ROE, ROA, and net margin, are notably low, indicating challenges in translating operations into profits. The company's liquidity position is also concerning, which needs to be addressed for better financial health. Overall, while the company demonstrates strengths in certain areas, improvements in revenue generation and profitability are crucial for sustained financial stability.

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Overview
Ratio
Financial
Vardhman Holdings Ltd Health Insights
Health Score : 4.70Health Score : 4.70

Vardhman Holdings Ltd, operating in the Financial Services (Non-Bank Finance) sector, exhibits a mixed financial performance. The company shows strong solvency, driven by a high-interest coverage ratio and minimal debt. Asset growth and operating profit growth rate also contribute positively. However, the company struggles with revenue, EPS, and net income growth, all experiencing significant declines. Profitability metrics, such as gross profit margin, ROCE, ROE, ROA, and net margin, are notably low, indicating challenges in translating operations into profits. The company's liquidity position is also concerning, which needs to be addressed for better financial health. Overall, while the company demonstrates strengths in certain areas, improvements in revenue generation and profitability are crucial for sustained financial stability.

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The Latest Reports Are Not Available at the Moment. We’ll Notify You Once They’re Available.


Latest News

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Neutral

Overall Valuation Score

Highly Undervalued
Undervalued
Neutral
Overvalued
Highly Overvalued
Neutral

P/E RATIO (TTM)

4.33

Undervalued

Industry Median

24.32

Undervalued
Neutral

Small Cap Median

21.88

Neutral

P/E RATIO

4.10

P/B RATIO

0.28

Highly Undervalued

Industry Median

3.12

Highly Undervalued
Highly Undervalued

Small Cap Median

2.69

Highly Undervalued

P/S RATIO

46.07

Highly Overvalued

Industry Median

1.84

Highly Overvalued
Highly Overvalued

Small Cap Median

1.82

Highly Overvalued

Others

Highly Undervalued

PEG RATIO

0.41

Highly Undervalued
Highly Undervalued

EV/EBITDA RATIO

3.88

Highly Undervalued

The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹3311.5 as on Feb 20, 2026.

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Growth Ratio Summary
Growth Ratio SummaryGrowth Score : 4.00

The company's growth ratios paint a conflicting picture. While asset growth and operating profit growth rate are strong, significant declines in revenue, EPS, and net income growth raise concerns about the sustainability of the company's overall growth trajectory.

PoorRevenue Growth RatePoor
ExcellentOperating Profit Growth RateExcellent
PoorEarnings Per Share (EPS) GrowthPoor
ExcellentAsset Growth RateExcellent
PoorNet Income Growth RatePoor
Growth RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Revenue Growth Rate66.6765-81.8215053.33
Operating Profit Growth Rate157.1466.67-93.3345054.55
Earnings Per Share (EPS) Growth-18.91231.31-46.76-19.0639.55
Asset Growth RateN/A20.4211.636.357.37
Net Income Growth Rate-18.75230-46.85-18.8639.46
01.

Revenue Growth Rate

02.

Operating Profit Growth Rate

03.

Earnings Per Share (EPS) Growth

04.

Asset Growth Rate

05.

Net Income Growth Rate

Financial Ratio Summary
Financial Ratio SummaryFinancial Score : 5.20

The company's financial ratios present a mixed outlook. While 'Book Value Per Share' and 'Capital Expenditures (CapEx)' indicate financial strengths, low 'Adjusted Earnings Per Share (Adjusted EPS)' and 'Cash Earnings Per Share (Cash EPS)' raise concerns. The 'Dividend Per Share (DPS)' suggests some returns to shareholders but highlights the need for improved earnings performance.

PoorAdjusted Earnings Per Share (Adjusted EPS)Poor
PoorCash Earnings Per Share (Cash EPS)Poor
ExcellentBook Value Per ShareExcellent
AverageDividend Per Share (DPS)Average
ExcellentCapital Expenditures (CapEx)Excellent
Financial RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Adjusted Earnings Per Share (Adjusted EPS)433.331430760616.67860
Cash Earnings Per Share (Cash EPS)433.331430760616.67860
Book Value Per Share7686.679256.67103301099011800
Dividend Per Share (DPS)4.0607.165.798.08
Capital Expenditures (CapEx)00000
01.

Adjusted Earnings Per Share (Adjusted EPS)

02.

Cash Earnings Per Share (Cash EPS)

03.

Book Value Per Share

04.

Dividend Per Share (DPS)

05.

Capital Expenditures (CapEx)

Profitability Ratio Summary
Profitability Ratio SummaryProfitability Score : 3.20

The company's profitability ratios are generally low, indicating challenges in generating profits from its operations. While the Operating Margin stands out, overall profitability is hindered by low scores across various metrics, suggesting potential inefficiencies in cost management and revenue generation.

PoorGross Profit MarginPoor
PoorReturn on Capital Employed (ROCE)Poor
PoorReturn on Equity (ROE)Poor
PoorReturn on Assets (ROA)Poor
ExcellentOperating MarginExcellent
PoorNet MarginPoor
Profitability RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Gross Profit Margin9090.9133.3373.3373.91
Return on Capital Employed (ROCE)5.7716.537.265.887.71
Return on Equity (ROE)5.6415.457.365.617.29
Return on Assets (ROA)0.781.080.060.330.48
Operating Margin9090.9133.3373.3373.91
Net Margin650130038001233.331121.74
01.

Gross Profit Margin

02.

Return on Capital Employed (ROCE)

03.

Return on Equity (ROE)

04.

Return on Assets (ROA)

05.

Operating Margin

06.

Net Margin

Efficiency Ratio Summary
Efficiency Ratio SummaryEfficiency Score : 6.00

The company's efficiency ratios present a mixed view. High scores for 'Days Sales in Inventory Ratio' and 'Receivable Days' are offset by low scores for 'Inventory Turnover Ratio' and 'Receivables Turnover Ratio'. This suggests challenges in efficiently managing inventory and receivables, impacting overall operational efficiency.

PoorInventory Turnover RatioPoor
PoorReceivables Turnover RatioPoor
ExcellentDays Sales in Inventory RatioExcellent
ExcellentReceivable DaysExcellent
Efficiency RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Fixed Asset Turnover Ratio6.6711257.67
Inventory Turnover RatioN/AN/AN/AN/AN/A
Receivables Turnover RatioN/AN/AN/AN/AN/A
Days Sales in Inventory RatioN/AN/AN/AN/AN/A
Receivable DaysN/AN/AN/AN/AN/A
Capital Turnover Ratio0.010.01000.01
01.

Inventory Turnover Ratio

02.

Receivables Turnover Ratio

03.

Days Sales in Inventory Ratio

04.

Receivable Days

Coverage Ratio Summary
Coverage Ratio SummaryCoverage Score : 2.00

The company's coverage ratio, particularly the 'Interest Coverage Ratio', is concerning. This suggests that the company may face challenges in meeting its interest obligations, indicating potential financial stress.

PoorInterest Coverage RatioPoor
Coverage RatiosMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Interest Coverage RatioN/AN/AN/AN/AN/AN/A
Equity Dividend Coverage RatioN/A100N/A100100100
01.

Interest Coverage Ratio

Solvency Ratio Summary
Solvency Ratio SummarySolvency Score : 10.00

The company's strong solvency is highlighted by its minimal debt levels and a high-interest coverage ratio. This suggests a strong ability to meet its long-term financial obligations, indicating financial stability. This indicates that the company has financial stability to pay off debts.

ExcellentDebt RatioExcellent
ExcellentDebt to Equity RatioExcellent
ExcellentInterest Coverage RatioExcellent
Solvency RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debt Ratio00000
Debt to Equity Ratio00000
Equity Ratio11111
Debt To Asset Ratio00000
01.

Debt Ratio

02.

Debt to Equity Ratio

03.

Interest Coverage Ratio

Liquidity Ratio Summary
Liquidity Ratio SummaryLiquidity Score : 0.00

The company's liquidity ratios, show that the company doesn't have enough liquid assets to cover its short-term liabilities. This indicates a potential risk in meeting immediate financial obligations.

AverageCurrent RatioAverage
AverageQuick RatioAverage
AverageCash RatioAverage
Liquidity RatiosMar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Current Ratio68.536322510
Quick Ratio68.536322510
Cash Ratio38.242.744.013.831.52
Operating Cash Flow Ratio41-51-3-6
01.

Current Ratio

02.

Quick Ratio

03.

Cash Ratio

Peer Comparison With 1 Companies

Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.

NO Company Name Health Score P/E Ratio Valuation OPM EPS Latest Profit & Loss
1Vardhman Holdings Ltd4.704.10Neutral17.00115.34258.00
Management Assessment Summary
OrangeBalanced Management

The management effectiveness of Vardhman Holdings Ltd presents a mixed picture. A strong promoter holding and a debt-free balance sheet signal stability and prudent financial management. However, declining sales growth and fluctuating profitability raise concerns. While the company maintains high operating profit margins, reliance on other income and inconsistent quarterly performance suggest potential operational inefficiencies. Overall, the company exhibits strengths in ownership structure and financial prudence, but needs to address growth challenges to improve management effectiveness.

Category Metric Value Assessment
PROS Promoter Holding 74.90% High promoter holding indicates confidence
Debt Management 0 Debt-free status reflects financial prudence
CONS Sales Growth (TTM) -38% Declining sales growth is a concern
OPM Volatility Fluctuating Quarterly Quarterly OPM fluctuates indicating inconsistency
AverageFinancial Performance & GrowthAverage
AverageCapital Efficiency & ReturnsAverage
ExcellentFinancial Health & PrudenceExcellent
ExcellentShareholding & Ownership StructureExcellent
01.

Financial Performance & Growth

02.

Capital Efficiency & Returns

03.

Financial Health & Prudence

04.

Shareholding & Ownership Structure

Risk Assessment Summary
OrangeBalanced Risk

The risk assessment for Vardhman Holdings indicates a moderate level of risk. The company's debt-free status and high promoter holding provide stability. However, there are potential risks associated with fluctuating sales and profit growth. Reliance on other income also poses a risk if those sources become unreliable. Effective management of these factors is crucial for maintaining a stable risk profile.

AverageSegment performance volatilityAverage
GoodAccounting quality red flagsGood
ExcellentForeign exchange or interest rate exposureExcellent
01.

Segment performance volatility

02.

Accounting quality red flags

03.

Foreign exchange or interest rate exposure

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Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bullish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 103620.56Bullish
  3. SMA 203563.90Bullish
  4. SMA 503485.70Bullish
  5. EMA 103619.53Bullish
  6. EMA 203579.58Bullish
  7. EMA 503514.58Bullish
  8. DEMA 103661.93Bullish
  9. DEMA 203643.00Bullish
  10. DEMA 503580.46Bullish
  11. TEMA 103667.41Bullish
  12. TEMA 203663.45Bullish
  13. TEMA 503627.43Bullish
  14. MACD48.97Bullish
  15. ADX27.46Strong Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI73.46Overbought
  3. CCI117.50Overbought
  4. ROC 93.96Bullish
  5. ROC 145.33Bullish
  6. ROC 255.10Bullish
  7. Stoch K90.76Overbought
  8. Stoch D88.93Overbought
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper3695.64Neutral
  3. BB Middle3563.89Neutral
  4. BB Lower3432.15Neutral
  5. ATR29.77High Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI71.51Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 2 Hours Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bullish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bearish

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 103582.85Bullish
  3. SMA 203529.82Bullish
  4. SMA 503449.84Bullish
  5. EMA 103596.68Bullish
  6. EMA 203545.23Bullish
  7. EMA 503485.99Bullish
  8. DEMA 103657.46Bullish
  9. DEMA 203618.78Bullish
  10. DEMA 503527.07Bullish
  11. TEMA 103673.82Bullish
  12. TEMA 203655.32Bullish
  13. TEMA 503575.78Bullish
  14. MACD58.68Bullish
  15. ADX19.52Weak Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI72.48Overbought
  3. CCI148.02Overbought
  4. ROC 95.91Bullish
  5. ROC 145.10Bullish
  6. ROC 258.57Bullish
  7. Stoch K92.24Overbought
  8. Stoch D92.45Overbought
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper3674.87Overbought
  3. BB Middle3529.83Neutral
  4. BB Lower3384.78Neutral
  5. ATR45.48Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI89.13Overbought

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Market Sentiment

Analysis Driven By 26 Technical Indicators From The 4 Hours Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bullish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bearish

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 103537.17Bullish
  3. SMA 203461.36Bullish
  4. SMA 503451.54Bullish
  5. EMA 103550.34Bullish
  6. EMA 203499.46Bullish
  7. EMA 503464.41Bullish
  8. DEMA 103622.98Bullish
  9. DEMA 203555.26Bullish
  10. DEMA 503503.68Bullish
  11. TEMA 103655.97Bullish
  12. TEMA 203609.18Bullish
  13. TEMA 50N/AN/A
  14. MACD49.48Bullish
  15. ADX23.21Weak Trend
Momentum Indicators (7)
  1. IndicatorValueSignal
  2. RSI73.67Overbought
  3. CCI196.96Overbought
  4. ROC 95.94Bullish
  5. ROC 1410.16Bullish
  6. ROC 259.14Bullish
  7. Stoch K95.65Overbought
  8. Stoch D93.52Overbought
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper3645.34Overbought
  3. BB Middle3461.36Neutral
  4. BB Lower3277.39Neutral
  5. ATR69.47Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI86.07Overbought

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Market Sentiment

Analysis Driven By 33 Technical Indicators From The 1 Day Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Strong Bullish

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bearish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (22)
  1. IndicatorValueSignal
  2. SMA 103436.63Bullish
  3. SMA 203425.52Bullish
  4. SMA 503445.44Bullish
  5. SMA 1003334.70Bullish
  6. SMA 2003548.57Bullish
  7. EMA 103462.53Bullish
  8. EMA 203448.97Bullish
  9. EMA 503424.65Bullish
  10. EMA 1003429.18Bullish
  11. EMA 2003513.58Bullish
  12. DEMA 103495.67Bullish
  13. DEMA 203459.01Bullish
  14. DEMA 503458.11Bullish
  15. DEMA 1003364.25Bullish
  16. DEMA 2003361.23Bullish
  17. TEMA 103534.20Bullish
  18. TEMA 203459.33Bullish
  19. TEMA 503497.29Bullish
  20. TEMA 1003429.26Bullish
  21. TEMA 2003277.25Bullish
  22. MACD11.44Bullish
  23. ADX15.81Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI64.69Neutral
  3. CCI259.53Overbought
  4. ROC 144.60Bullish
  5. ROC 250.00Bullish
  6. Stoch K77.73Neutral
  7. Stoch D73.03Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper3540.21Overbought
  3. BB Middle3425.52Neutral
  4. BB Lower3310.83Neutral
  5. ATR108.70High Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI54.27Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Market Sentiment

Analysis Driven By 21 Technical Indicators From The 1 Week Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (10)
  1. IndicatorValueSignal
  2. SMA 203329.12Bullish
  3. SMA 503617.69Bearish
  4. EMA 203409.46Bearish
  5. EMA 503530.02Bearish
  6. DEMA 203345.59Bullish
  7. DEMA 503388.28Bullish
  8. TEMA 203404.27Bearish
  9. TEMA 503255.33Bullish
  10. MACD-35.09Bullish
  11. ADX19.13Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI46.84Neutral
  3. CCI-57.56Neutral
  4. ROC 144.43Bullish
  5. ROC 25-5.24Bearish
  6. Stoch K57.87Neutral
  7. Stoch D60.99Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper3590.36Neutral
  3. BB Middle3329.12Neutral
  4. BB Lower3067.88Neutral
  5. ATR223.75Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI60.60Neutral

Overall Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Market Sentiment

Analysis Driven By 25 Technical Indicators From The 1 Month Timeframe

Trend Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Momentum Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Volatility Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Bullish

Volume Score

Strong Bearish

Bearish

Neutral

Bullish

Strong Bullish

Neutral

Trend Indicators (14)
  1. IndicatorValueSignal
  2. SMA 63327.97Bullish
  3. SMA 123621.32Bearish
  4. SMA 243787.83Bearish
  5. EMA 63399.29Bullish
  6. EMA 123508.21Bearish
  7. EMA 243537.39Bearish
  8. DEMA 63293.32Bullish
  9. DEMA 123374.57Bullish
  10. DEMA 243630.93Bearish
  11. TEMA 63312.62Bullish
  12. TEMA 123242.06Bullish
  13. TEMA 243453.79Bearish
  14. MACD181.31Bearish
  15. ADX19.71Weak Trend
Momentum Indicators (6)
  1. IndicatorValueSignal
  2. RSI50.77Neutral
  3. CCI19.02Neutral
  4. ROC 2512.47Bullish
  5. ROC 50-5.10Bearish
  6. Stoch K31.09Neutral
  7. Stoch D43.36Neutral
Volatility Indicators (4)
  1. IndicatorValueSignal
  2. BB Upper4636.99Neutral
  3. BB Middle3717.46Neutral
  4. BB Lower2797.92Neutral
  5. ATR608.12Low Volatility
Volume Indicators (1)
  1. IndicatorValueSignal
  2. MFI68.80Neutral