Share Price and Basic Stock Data
Last Updated: February 6, 2026, 3:44 pm
| PEG Ratio | -1.38 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Viji Finance Ltd operates in the finance and investments sector, with a current market capitalization of ₹35.1 Cr. The company’s stock price stands at ₹2.46, and it has reported a trailing twelve months (TTM) revenue of ₹2.33 Cr, reflecting a slight increase compared to ₹2.09 Cr in FY 2023. Quarterly revenue trends show fluctuations, with Q1 FY 2024 recording ₹0.46 Cr, followed by ₹0.45 Cr in Q2 and ₹0.42 Cr in Q3. However, the company reported a notable uptick in Q4 FY 2024, reaching ₹0.51 Cr. The upward trend continues into FY 2025, with Q1 reaching ₹0.55 Cr, indicating potential recovery and growth. Despite this positive trajectory, total revenues remain below historical highs, with the peak recorded at ₹2.58 Cr for FY 2025, highlighting the need for sustainable growth strategies to support long-term profitability.
Profitability and Efficiency Metrics
Viji Finance Ltd reported a net profit of ₹0.15 Cr, translating to a modest return on equity (ROE) of 1.01%. The return on capital employed (ROCE) stood at 2.42%, indicating limited efficiency in capital utilization. The operating profit margin (OPM) is not available, but the profitability metrics show variability. For instance, the net profit for Q3 FY 2024 was ₹0.03 Cr, while Q4 FY 2024 recorded a net profit of ₹0.03 Cr as well. The interest coverage ratio (ICR) is robust at 4.59x, suggesting the company can comfortably meet its interest obligations. However, the financing margin fluctuated significantly, peaking at 76.73% in Q4 FY 2025 but dropping to negative margins in several preceding quarters. These figures reflect a mixed performance, with profitability requiring stabilization to align with industry benchmarks.
Balance Sheet Strength and Financial Ratios
Viji Finance Ltd’s balance sheet shows total assets of ₹35.06 Cr, with total liabilities amounting to ₹34.44 Cr, resulting in a thin equity base. The company reported reserves of ₹6.71 Cr, which have grown from ₹3.85 Cr in March 2023, indicating a positive trend in retained earnings. The debt-to-equity ratio is reported at 0.99x, reflecting a balanced approach to leveraging. The price-to-book value (P/BV) ratio stands at 2.17x, slightly elevated compared to typical sector ranges, suggesting that the stock may be overvalued. The current ratio is reported at 1.89, indicating sufficient liquidity to cover short-term liabilities. However, the asset turnover ratio of 0.05% is low, signaling potential inefficiencies in asset utilization, which could hinder growth unless addressed.
Shareholding Pattern and Investor Confidence
As of March 2025, Viji Finance Ltd has a diverse shareholder structure, with promoters holding 53.71% of the equity. The public holds 46.29%, while foreign institutional investors (FIIs) have no stake in the company, indicating a lack of international investor interest. The number of shareholders has increased to 62,713, up from 36,951 in March 2023, reflecting growing retail interest. However, the declining trend in promoter shareholding from 51.39% in March 2023 to 39.83% in December 2023 raises questions about long-term confidence from insiders. The absence of institutional investment further complicates the perception of stability and growth potential. The shift in shareholding dynamics may impact future capital raising efforts and investor sentiment, necessitating close monitoring.
Outlook, Risks, and Final Insight
Viji Finance Ltd faces both opportunities and challenges in the current market landscape. On the positive side, the company has shown a consistent increase in revenues and reserves, indicating potential for future growth. However, risks include fluctuating profitability, as evidenced by variable net profit margins, and low efficiency ratios, which could hinder competitive positioning. The company’s reliance on promoter support and the absence of institutional backing may limit capital access for expansion. Moving forward, Viji Finance Ltd must focus on enhancing operational efficiencies and stabilizing profitability to attract institutional investors and bolster shareholder confidence. Addressing these challenges effectively could pave the way for a more robust financial future, fostering an environment conducive to sustainable growth.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.4 Cr. | 38.9 | 54.9/36.4 | 54.3 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,306 Cr. | 291 | 455/265 | 14.4 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 28.8 Cr. | 0.41 | 0.97/0.38 | 3.99 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.76 Cr. | 7.60 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 13.8 Cr. | 27.0 | 69.9/27.0 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,297.58 Cr | 1,249.17 | 70.54 | 4,367.94 | 0.37% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.34 | 0.46 | 0.45 | 0.42 | 0.51 | 0.55 | 0.53 | 0.61 | 0.59 | 0.59 | 0.57 | 0.58 | 1.59 |
| Interest | 0.08 | 0.04 | 0.03 | 0.04 | 0.06 | 0.05 | 0.05 | 0.11 | 0.16 | 0.14 | 0.18 | 0.17 | 0.10 |
| Expenses | 0.20 | 0.50 | 0.23 | 0.22 | 0.33 | 0.41 | 0.54 | 0.70 | 0.59 | 0.07 | 0.73 | 0.51 | 0.27 |
| Financing Profit | 0.06 | -0.08 | 0.19 | 0.16 | 0.12 | 0.09 | -0.06 | -0.20 | -0.16 | 0.38 | -0.34 | -0.10 | 1.22 |
| Financing Margin % | 17.65% | -17.39% | 42.22% | 38.10% | 23.53% | 16.36% | -11.32% | -32.79% | -27.12% | 64.41% | -59.65% | -17.24% | 76.73% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.15 | 0.44 | 0.09 | 0.08 | -0.02 |
| Depreciation | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 |
| Profit before tax | -0.03 | -0.17 | 0.10 | 0.07 | 0.03 | 0.00 | -0.14 | -0.28 | -0.10 | 0.73 | -0.33 | -0.10 | 1.12 |
| Tax % | -33.33% | -23.53% | 30.00% | 28.57% | 33.33% | -28.57% | -10.71% | 0.00% | 8.22% | 0.00% | 0.00% | 16.07% | |
| Net Profit | -0.02 | -0.13 | 0.07 | 0.05 | 0.03 | 0.00 | -0.10 | -0.24 | -0.10 | 0.68 | -0.33 | -0.10 | 0.94 |
| EPS in Rs | -0.00 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | -0.02 | -0.01 | 0.05 | -0.02 | -0.01 | 0.07 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 3, 2026, 3:46 pm
Below is a detailed analysis of the quarterly data for Viji Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 0.10 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.17 Cr. (Sep 2025) to 0.10 Cr., marking a decrease of 0.07 Cr..
- For Expenses, as of Dec 2025, the value is 0.27 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.51 Cr. (Sep 2025) to 0.27 Cr., marking a decrease of 0.24 Cr..
- For Other Income, as of Dec 2025, the value is -0.02 Cr.. The value appears to be declining and may need further review. It has decreased from 0.08 Cr. (Sep 2025) to -0.02 Cr., marking a decrease of 0.10 Cr..
- For Depreciation, as of Dec 2025, the value is 0.08 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.08 Cr..
- For Profit before tax, as of Dec 2025, the value is 1.12 Cr.. The value appears strong and on an upward trend. It has increased from -0.10 Cr. (Sep 2025) to 1.12 Cr., marking an increase of 1.22 Cr..
- For Tax %, as of Dec 2025, the value is 16.07%. The value appears to be increasing, which may not be favorable. It has increased from 0.00% (Sep 2025) to 16.07%, marking an increase of 16.07%.
- For Net Profit, as of Dec 2025, the value is 0.94 Cr.. The value appears strong and on an upward trend. It has increased from -0.10 Cr. (Sep 2025) to 0.94 Cr., marking an increase of 1.04 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.07. The value appears strong and on an upward trend. It has increased from -0.01 (Sep 2025) to 0.07, marking an increase of 0.08.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:25 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.30 | 1.32 | 1.37 | 1.61 | 2.31 | 1.76 | 0.99 | 0.94 | 1.22 | 2.09 | 1.93 | 2.58 | 2.33 |
| Expenses | 0.32 | 0.31 | 0.69 | 0.55 | 0.32 | 0.99 | 0.71 | 0.26 | 0.63 | 0.94 | 1.17 | 1.86 | 1.90 |
| Operating Profit | 0.98 | 1.01 | 0.68 | 1.06 | 1.99 | 0.77 | 0.28 | 0.68 | 0.59 | 1.15 | 0.76 | 0.72 | 0.43 |
| OPM % | 75.38% | 76.52% | 49.64% | 65.84% | 86.15% | 43.75% | 28.28% | 72.34% | 48.36% | 55.02% | 39.38% | 27.91% | 18.45% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 | 0.00 | 0.35 | 0.76 |
| Interest | 0.11 | 0.04 | 0.06 | 0.07 | 0.04 | 0.05 | 0.03 | 0.04 | 0.06 | 0.19 | 0.20 | 0.50 | 0.65 |
| Depreciation | 0.03 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.08 | 0.35 | 0.36 | 0.35 | 0.34 |
| Profit before tax | 0.84 | 0.92 | 0.57 | 0.94 | 1.91 | 0.67 | 0.20 | 0.59 | 0.50 | 0.61 | 0.20 | 0.22 | 0.20 |
| Tax % | 30.95% | 35.87% | 40.35% | 36.17% | 25.65% | 49.25% | 25.00% | 25.42% | 10.00% | 26.23% | 40.00% | 22.73% | |
| Net Profit | 0.58 | 0.60 | 0.34 | 0.61 | 1.42 | 0.34 | 0.14 | 0.44 | 0.44 | 0.44 | 0.12 | 0.17 | 0.15 |
| EPS in Rs | 0.04 | 0.04 | 0.02 | 0.04 | 0.10 | 0.02 | 0.01 | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 |
| Dividend Payout % | 64.66% | 37.50% | 66.18% | 12.30% | 5.81% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 3.45% | -43.33% | 79.41% | 132.79% | -76.06% | -58.82% | 214.29% | 0.00% | 0.00% | -72.73% | 41.67% |
| Change in YoY Net Profit Growth (%) | 0.00% | -46.78% | 122.75% | 53.38% | -208.84% | 17.23% | 273.11% | -214.29% | 0.00% | -72.73% | 114.39% |
Viji Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 19% |
| 3 Years: | 24% |
| TTM: | 17% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | -12% |
| 5 Years: | 4% |
| 3 Years: | -27% |
| TTM: | 150% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | 56% |
| 3 Years: | 18% |
| 1 Year: | 15% |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 3% |
| 3 Years: | 2% |
| Last Year: | 1% |
Last Updated: September 5, 2025, 1:51 pm
Balance Sheet
Last Updated: February 1, 2026, 2:09 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 7.50 | 7.50 | 7.50 | 7.50 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 14.25 | 14.25 |
| Reserves | 0.56 | 0.88 | 0.96 | 1.47 | 2.15 | 2.38 | 2.53 | 2.97 | 3.41 | 3.85 | 3.97 | 7.14 | 6.71 |
| Borrowing | 0.71 | 0.45 | 1.05 | 2.58 | 2.72 | 3.48 | 3.84 | 3.55 | 4.72 | 9.27 | 13.36 | 12.59 | 11.55 |
| Other Liabilities | 0.77 | 0.51 | 0.51 | 0.53 | 0.76 | 0.91 | 1.13 | 1.02 | 1.18 | 1.32 | 0.95 | 1.08 | 1.93 |
| Total Liabilities | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.06 | 34.44 |
| Fixed Assets | 0.27 | 0.24 | 0.45 | 0.34 | 0.30 | 0.28 | 0.24 | 0.19 | 0.68 | 2.30 | 1.95 | 1.71 | 1.55 |
| 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 | 0.00 |
| Investments | 0.02 | 0.11 | 0.03 | 0.13 | 0.15 | 0.41 | 0.16 | 0.15 | 0.16 | 0.15 | 0.05 | 0.05 | 0.05 |
| Other Assets | 9.25 | 8.99 | 9.54 | 11.61 | 13.43 | 14.33 | 15.35 | 15.45 | 16.72 | 20.24 | 24.53 | 33.30 | 32.84 |
| Total Assets | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.06 | 34.44 |
Below is a detailed analysis of the balance sheet data for Viji Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 14.25 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 14.25 Cr..
- For Reserves, as of Sep 2025, the value is 6.71 Cr.. The value appears to be declining and may need further review. It has decreased from 7.14 Cr. (Mar 2025) to 6.71 Cr., marking a decrease of 0.43 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1.93 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1.08 Cr. (Mar 2025) to 1.93 Cr., marking an increase of 0.85 Cr..
- For Total Liabilities, as of Sep 2025, the value is 34.44 Cr.. The value appears to be improving (decreasing). It has decreased from 35.06 Cr. (Mar 2025) to 34.44 Cr., marking a decrease of 0.62 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1.55 Cr.. The value appears to be declining and may need further review. It has decreased from 1.71 Cr. (Mar 2025) to 1.55 Cr., marking a decrease of 0.16 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.05 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.05 Cr..
- For Other Assets, as of Sep 2025, the value is 32.84 Cr.. The value appears to be declining and may need further review. It has decreased from 33.30 Cr. (Mar 2025) to 32.84 Cr., marking a decrease of 0.46 Cr..
- For Total Assets, as of Sep 2025, the value is 34.44 Cr.. The value appears to be declining and may need further review. It has decreased from 35.06 Cr. (Mar 2025) to 34.44 Cr., marking a decrease of 0.62 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.27 | 0.56 | -0.37 | -1.52 | -0.73 | -2.71 | -3.56 | -2.87 | -4.13 | -8.12 | -12.60 | -11.87 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
No data available for the Financial Efficiency data table.
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 24 | Mar 23 | Mar 22 | Mar 21 | Mar 20 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 0.02 | 0.05 | 0.05 | 0.05 | 0.02 |
| Diluted EPS (Rs.) | 0.02 | 0.05 | 0.05 | 0.05 | 0.02 |
| Cash EPS (Rs.) | 0.04 | 0.09 | 0.06 | 0.06 | 0.02 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 1.48 | 1.46 | 1.41 | 1.35 | 1.28 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 1.48 | 1.46 | 1.41 | 1.35 | 1.28 |
| Revenue From Operations / Share (Rs.) | 0.16 | 0.25 | 0.14 | 0.11 | 0.11 |
| PBDIT / Share (Rs.) | 0.06 | 0.13 | 0.07 | 0.08 | 0.03 |
| PBIT / Share (Rs.) | 0.03 | 0.09 | 0.06 | 0.07 | 0.02 |
| PBT / Share (Rs.) | 0.02 | 0.07 | 0.06 | 0.07 | 0.02 |
| Net Profit / Share (Rs.) | 0.01 | 0.05 | 0.05 | 0.05 | 0.01 |
| NP After MI And SOA / Share (Rs.) | 0.01 | 0.05 | 0.05 | 0.05 | 0.01 |
| PBDIT Margin (%) | 41.93 | 52.50 | 51.61 | 73.87 | 27.91 |
| PBIT Margin (%) | 22.49 | 35.62 | 45.21 | 68.56 | 22.72 |
| PBT Margin (%) | 13.36 | 28.79 | 40.59 | 64.36 | 19.45 |
| Net Profit Margin (%) | 10.03 | 20.77 | 36.08 | 48.51 | 13.45 |
| NP After MI And SOA Margin (%) | 10.03 | 20.77 | 36.08 | 48.51 | 13.45 |
| Return on Networth / Equity (%) | 1.13 | 3.59 | 3.79 | 4.00 | 1.26 |
| Return on Capital Employeed (%) | 2.37 | 5.67 | 4.45 | 5.43 | 2.01 |
| Return On Assets (%) | 0.54 | 1.91 | 2.52 | 2.83 | 0.83 |
| Total Debt / Equity (X) | 0.99 | 0.76 | 0.40 | 0.31 | 0.40 |
| Asset Turnover Ratio (%) | 0.05 | 0.10 | 0.07 | 0.05 | 0.06 |
| Current Ratio (X) | 1.89 | 2.14 | 3.31 | 3.76 | 3.24 |
| Quick Ratio (X) | 1.89 | 2.14 | 3.31 | 3.76 | 3.24 |
| Interest Coverage Ratio (X) | 4.59 | 7.68 | 11.17 | 17.59 | 8.53 |
| Interest Coverage Ratio (Post Tax) (X) | 2.10 | 4.04 | 8.81 | 12.55 | 5.11 |
| Enterprise Value (Cr.) | 38.26 | 26.34 | 36.59 | 8.64 | 6.00 |
| EV / Net Operating Revenue (X) | 27.81 | 12.64 | 29.99 | 9.39 | 6.06 |
| EV / EBITDA (X) | 66.32 | 24.07 | 58.09 | 12.71 | 21.71 |
| MarketCap / Net Operating Revenue (X) | 19.19 | 8.31 | 26.23 | 6.18 | 2.00 |
| Price / BV (X) | 2.17 | 1.44 | 2.76 | 0.50 | 0.18 |
| Price / Net Operating Revenue (X) | 19.20 | 8.31 | 26.23 | 6.19 | 2.00 |
| EarningsYield | 0.01 | 0.02 | 0.01 | 0.07 | 0.06 |
After reviewing the key financial ratios for Viji Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 24, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 24, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.05 (Mar 23) to 0.02, marking a decrease of 0.03.
- For Diluted EPS (Rs.), as of Mar 24, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.05 (Mar 23) to 0.02, marking a decrease of 0.03.
- For Cash EPS (Rs.), as of Mar 24, the value is 0.04. This value is below the healthy minimum of 3. It has decreased from 0.09 (Mar 23) to 0.04, marking a decrease of 0.05.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1.48. It has increased from 1.46 (Mar 23) to 1.48, marking an increase of 0.02.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1.48. It has increased from 1.46 (Mar 23) to 1.48, marking an increase of 0.02.
- For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 0.16. It has decreased from 0.25 (Mar 23) to 0.16, marking a decrease of 0.09.
- For PBDIT / Share (Rs.), as of Mar 24, the value is 0.06. This value is below the healthy minimum of 2. It has decreased from 0.13 (Mar 23) to 0.06, marking a decrease of 0.07.
- For PBIT / Share (Rs.), as of Mar 24, the value is 0.03. This value is within the healthy range. It has decreased from 0.09 (Mar 23) to 0.03, marking a decrease of 0.06.
- For PBT / Share (Rs.), as of Mar 24, the value is 0.02. This value is within the healthy range. It has decreased from 0.07 (Mar 23) to 0.02, marking a decrease of 0.05.
- For Net Profit / Share (Rs.), as of Mar 24, the value is 0.01. This value is below the healthy minimum of 2. It has decreased from 0.05 (Mar 23) to 0.01, marking a decrease of 0.04.
- For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 0.01. This value is below the healthy minimum of 2. It has decreased from 0.05 (Mar 23) to 0.01, marking a decrease of 0.04.
- For PBDIT Margin (%), as of Mar 24, the value is 41.93. This value is within the healthy range. It has decreased from 52.50 (Mar 23) to 41.93, marking a decrease of 10.57.
- For PBIT Margin (%), as of Mar 24, the value is 22.49. This value exceeds the healthy maximum of 20. It has decreased from 35.62 (Mar 23) to 22.49, marking a decrease of 13.13.
- For PBT Margin (%), as of Mar 24, the value is 13.36. This value is within the healthy range. It has decreased from 28.79 (Mar 23) to 13.36, marking a decrease of 15.43.
- For Net Profit Margin (%), as of Mar 24, the value is 10.03. This value exceeds the healthy maximum of 10. It has decreased from 20.77 (Mar 23) to 10.03, marking a decrease of 10.74.
- For NP After MI And SOA Margin (%), as of Mar 24, the value is 10.03. This value is within the healthy range. It has decreased from 20.77 (Mar 23) to 10.03, marking a decrease of 10.74.
- For Return on Networth / Equity (%), as of Mar 24, the value is 1.13. This value is below the healthy minimum of 15. It has decreased from 3.59 (Mar 23) to 1.13, marking a decrease of 2.46.
- For Return on Capital Employeed (%), as of Mar 24, the value is 2.37. This value is below the healthy minimum of 10. It has decreased from 5.67 (Mar 23) to 2.37, marking a decrease of 3.30.
- For Return On Assets (%), as of Mar 24, the value is 0.54. This value is below the healthy minimum of 5. It has decreased from 1.91 (Mar 23) to 0.54, marking a decrease of 1.37.
- For Total Debt / Equity (X), as of Mar 24, the value is 0.99. This value is within the healthy range. It has increased from 0.76 (Mar 23) to 0.99, marking an increase of 0.23.
- For Asset Turnover Ratio (%), as of Mar 24, the value is 0.05. It has decreased from 0.10 (Mar 23) to 0.05, marking a decrease of 0.05.
- For Current Ratio (X), as of Mar 24, the value is 1.89. This value is within the healthy range. It has decreased from 2.14 (Mar 23) to 1.89, marking a decrease of 0.25.
- For Quick Ratio (X), as of Mar 24, the value is 1.89. This value is within the healthy range. It has decreased from 2.14 (Mar 23) to 1.89, marking a decrease of 0.25.
- For Interest Coverage Ratio (X), as of Mar 24, the value is 4.59. This value is within the healthy range. It has decreased from 7.68 (Mar 23) to 4.59, marking a decrease of 3.09.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 2.10. This value is below the healthy minimum of 3. It has decreased from 4.04 (Mar 23) to 2.10, marking a decrease of 1.94.
- For Enterprise Value (Cr.), as of Mar 24, the value is 38.26. It has increased from 26.34 (Mar 23) to 38.26, marking an increase of 11.92.
- For EV / Net Operating Revenue (X), as of Mar 24, the value is 27.81. This value exceeds the healthy maximum of 3. It has increased from 12.64 (Mar 23) to 27.81, marking an increase of 15.17.
- For EV / EBITDA (X), as of Mar 24, the value is 66.32. This value exceeds the healthy maximum of 15. It has increased from 24.07 (Mar 23) to 66.32, marking an increase of 42.25.
- For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 19.19. This value exceeds the healthy maximum of 3. It has increased from 8.31 (Mar 23) to 19.19, marking an increase of 10.88.
- For Price / BV (X), as of Mar 24, the value is 2.17. This value is within the healthy range. It has increased from 1.44 (Mar 23) to 2.17, marking an increase of 0.73.
- For Price / Net Operating Revenue (X), as of Mar 24, the value is 19.20. This value exceeds the healthy maximum of 3. It has increased from 8.31 (Mar 23) to 19.20, marking an increase of 10.89.
- For EarningsYield, as of Mar 24, the value is 0.01. This value is below the healthy minimum of 5. It has decreased from 0.02 (Mar 23) to 0.01, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Viji Finance Ltd:
- Net Profit Margin: 10.03%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 2.37% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 1.13% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 2.1
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.89
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 27.3 (Industry average Stock P/E: 70.54)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0.99
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 10.03%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 11/2, UshaGanj, Indore Madhya Pradesh 452001 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vijay Kothari | Chairman & Managing Director |
| Mr. Ashish Verma | Non Executive Director |
| Ms. Sakshi Chourasiya | Independent Woman Director |
| Ms. Palak Malviya | Independent Woman Director |
FAQ
What is the intrinsic value of Viji Finance Ltd?
Viji Finance Ltd's intrinsic value (as of 06 February 2026) is ₹0.26 which is 88.60% lower the current market price of ₹2.28, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹32.5 Cr. market cap, FY2025-2026 high/low of ₹4.64/1.99, reserves of ₹6.71 Cr, and liabilities of ₹34.44 Cr.
What is the Market Cap of Viji Finance Ltd?
The Market Cap of Viji Finance Ltd is 32.5 Cr..
What is the current Stock Price of Viji Finance Ltd as on 06 February 2026?
The current stock price of Viji Finance Ltd as on 06 February 2026 is ₹2.28.
What is the High / Low of Viji Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Viji Finance Ltd stocks is ₹4.64/1.99.
What is the Stock P/E of Viji Finance Ltd?
The Stock P/E of Viji Finance Ltd is 27.3.
What is the Book Value of Viji Finance Ltd?
The Book Value of Viji Finance Ltd is 1.47.
What is the Dividend Yield of Viji Finance Ltd?
The Dividend Yield of Viji Finance Ltd is 0.00 %.
What is the ROCE of Viji Finance Ltd?
The ROCE of Viji Finance Ltd is 2.42 %.
What is the ROE of Viji Finance Ltd?
The ROE of Viji Finance Ltd is 1.01 %.
What is the Face Value of Viji Finance Ltd?
The Face Value of Viji Finance Ltd is 1.00.