Share Price and Basic Stock Data
Last Updated: December 8, 2025, 7:52 pm
| PEG Ratio | -383.42 |
|---|
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, and its recent performance has shown a mix of resilience and volatility. For the fiscal year 2025, the company reported sales of ₹2.33 Cr, a modest increase from ₹2.09 Cr in FY 2023. However, this growth is somewhat inconsistent when viewed across quarters. For instance, the sales figures fluctuated from ₹0.54 Cr in June 2022 to a peak of ₹0.70 Cr in September 2022, before declining to ₹0.34 Cr in December 2022. The sales performance appears to be on an upward trajectory again, with the latest quarter showing ₹0.55 Cr in March 2025. This inconsistency may raise questions about the company’s revenue-generating capability, particularly in the competitive finance sector where consistency is key. The overall market capitalization stands at ₹35.6 Cr, which, given the current P/E ratio of 238, indicates that investors are pricing in high future growth expectations despite the current revenue challenges.
Profitability and Efficiency Metrics
When it comes to profitability, Viji Finance Ltd has faced significant challenges. The operating profit margin (OPM) stood at a concerning -28.07% as of March 2025, which indicates that the company is struggling to manage its costs effectively relative to its revenues. The OPM has seen severe fluctuations, peaking at 81.48% in June 2022 but then plummeting to negative figures in subsequent quarters. The net profit for the latest fiscal year was just ₹0.17 Cr, translating to a net profit margin of a mere 10.03%. This margin reflects a sharp decline from previous periods, highlighting the company’s ongoing difficulties in converting sales into actual profit. Despite these pressures, the interest coverage ratio (ICR) of 4.59x suggests that the company can still meet its interest obligations comfortably, which is a positive sign for potential investors.
Balance Sheet Strength and Financial Ratios
The balance sheet of Viji Finance Ltd reveals a mixed picture of financial health. Total borrowings have risen to ₹12.60 Cr, which has increased significantly from ₹9.27 Cr in FY 2023. This rising debt level, coupled with a total equity of ₹14.25 Cr, results in a debt-to-equity ratio of approximately 0.99, suggesting that the company is approaching a more leveraged position. On the asset side, total assets rose to ₹35.05 Cr in FY 2025, indicating growth. However, the return on equity (ROE) is a mere 1.01% and return on capital employed (ROCE) stands at 2.32%. Both figures are significantly below industry averages, raising concerns about the efficiency with which the company utilizes its capital. Furthermore, with a price-to-book value (P/BV) ratio of 2.17x, the stock appears to be trading at a premium compared to its book value, which might deter value-focused investors.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Viji Finance Ltd highlights a significant level of control by the promoters, who hold 53.71% of the company as of March 2025. This level of promoter ownership can instill confidence among retail investors, as it suggests alignment of interests between management and shareholders. However, the absence of foreign institutional investors (FIIs) and a relatively low level of public shareholding at 46.29% raise questions about broader market confidence in the company. The number of shareholders has steadily increased, reaching 62,713, indicating growing interest at the retail level. Nevertheless, the declining trend in public ownership from 54.04% in June 2023 to the current figure may suggest a cautious approach from institutional investors, who often seek more stability and growth potential.
Outlook, Risks, and Final Insight
Looking ahead, Viji Finance Ltd faces a challenging yet opportunistic landscape. While the company has shown some potential for revenue growth, its profitability metrics and high debt levels are significant red flags. Investors should remain cautious due to the inconsistent sales performance and troubling operating margins. The lack of FIIs may also signal a lack of confidence in the company’s growth trajectory. On the flip side, the steady increase in the number of shareholders indicates that retail interest is growing, which could be a positive indicator for future capital inflows. Investors would do well to monitor the company’s operational efficiency closely, especially in managing costs and improving profitability. In a sector as competitive as finance, the ability to turn revenues into profits will ultimately dictate Viji Finance’s long-term viability. Balancing these risks with the potential for recovery will be key for any investor considering a stake in this company.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Viji Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.3 Cr. | 41.9 | 67.7/36.4 | 49.1 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,362 Cr. | 299 | 484/280 | 15.2 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.8 Cr. | 0.48 | 2.38/0.46 | 4.67 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.40 Cr. | 10.9 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 23.6 Cr. | 46.0 | 72.0/46.0 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,219.09 Cr | 1,388.03 | 80.25 | 3,844.37 | 0.36% | 21.70% | 14.20% | 7.22 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.54 | 0.70 | 0.34 | 0.46 | 0.45 | 0.42 | 0.51 | 0.55 | 0.53 | 0.61 | 0.59 | 0.59 | 0.57 |
| Expenses | 0.10 | 0.13 | 0.20 | 0.50 | 0.23 | 0.22 | 0.33 | 0.41 | 0.54 | 0.70 | 0.59 | 0.07 | 0.73 |
| Operating Profit | 0.44 | 0.57 | 0.14 | -0.04 | 0.22 | 0.20 | 0.18 | 0.14 | -0.01 | -0.09 | 0.00 | 0.52 | -0.16 |
| OPM % | 81.48% | 81.43% | 41.18% | -8.70% | 48.89% | 47.62% | 35.29% | 25.45% | -1.89% | -14.75% | 0.00% | 88.14% | -28.07% |
| Other Income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.15 | 0.44 | 0.09 |
| Interest | 0.04 | 0.04 | 0.08 | 0.04 | 0.03 | 0.04 | 0.06 | 0.05 | 0.05 | 0.11 | 0.16 | 0.14 | 0.18 |
| Depreciation | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.09 | 0.09 | 0.09 | 0.08 |
| Profit before tax | 0.32 | 0.44 | -0.03 | -0.17 | 0.10 | 0.07 | 0.03 | 0.00 | -0.14 | -0.28 | -0.10 | 0.73 | -0.33 |
| Tax % | 25.00% | 25.00% | -33.33% | -23.53% | 30.00% | 28.57% | 33.33% | -28.57% | -10.71% | 0.00% | 8.22% | 0.00% | |
| Net Profit | 0.24 | 0.32 | -0.02 | -0.13 | 0.07 | 0.05 | 0.03 | 0.00 | -0.10 | -0.24 | -0.10 | 0.68 | -0.33 |
| EPS in Rs | 0.02 | 0.02 | -0.00 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | -0.02 | -0.01 | 0.05 | -0.02 |
Last Updated: August 20, 2025, 1:25 am
Below is a detailed analysis of the quarterly data for Viji Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.57 Cr.. The value appears to be declining and may need further review. It has decreased from 0.59 Cr. (Mar 2025) to 0.57 Cr., marking a decrease of 0.02 Cr..
- For Expenses, as of Jun 2025, the value is 0.73 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.07 Cr. (Mar 2025) to 0.73 Cr., marking an increase of 0.66 Cr..
- For Operating Profit, as of Jun 2025, the value is -0.16 Cr.. The value appears to be declining and may need further review. It has decreased from 0.52 Cr. (Mar 2025) to -0.16 Cr., marking a decrease of 0.68 Cr..
- For OPM %, as of Jun 2025, the value is -28.07%. The value appears to be declining and may need further review. It has decreased from 88.14% (Mar 2025) to -28.07%, marking a decrease of 116.21%.
- For Other Income, as of Jun 2025, the value is 0.09 Cr.. The value appears to be declining and may need further review. It has decreased from 0.44 Cr. (Mar 2025) to 0.09 Cr., marking a decrease of 0.35 Cr..
- For Interest, as of Jun 2025, the value is 0.18 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.14 Cr. (Mar 2025) to 0.18 Cr., marking an increase of 0.04 Cr..
- For Depreciation, as of Jun 2025, the value is 0.08 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.09 Cr. (Mar 2025) to 0.08 Cr., marking a decrease of 0.01 Cr..
- For Profit before tax, as of Jun 2025, the value is -0.33 Cr.. The value appears to be declining and may need further review. It has decreased from 0.73 Cr. (Mar 2025) to -0.33 Cr., marking a decrease of 1.06 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value appears to be improving (decreasing) as expected. It has decreased from 8.22% (Mar 2025) to 0.00%, marking a decrease of 8.22%.
- For Net Profit, as of Jun 2025, the value is -0.33 Cr.. The value appears to be declining and may need further review. It has decreased from 0.68 Cr. (Mar 2025) to -0.33 Cr., marking a decrease of 1.01 Cr..
- For EPS in Rs, as of Jun 2025, the value is -0.02. The value appears to be declining and may need further review. It has decreased from 0.05 (Mar 2025) to -0.02, marking a decrease of 0.07.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:10 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 | 2.33 | 2.36 |
| Expenses | 0.32 | 0.31 | 0.69 | 0.55 | 0.32 | 0.99 | 0.71 | 0.26 | 0.63 | 0.94 | 1.17 | 1.89 | 2.09 |
| Operating Profit | 0.98 | 1.01 | 0.68 | 1.06 | 1.99 | 0.77 | 0.28 | 0.68 | 0.59 | 1.15 | 0.76 | 0.44 | 0.27 |
| OPM % | 75.38% | 76.52% | 49.64% | 65.84% | 86.15% | 43.75% | 28.28% | 72.34% | 48.36% | 55.02% | 39.38% | 18.88% | 11.44% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.05 | 0.00 | 0.00 | 0.60 | 0.69 |
| Interest | 0.11 | 0.04 | 0.06 | 0.07 | 0.04 | 0.05 | 0.03 | 0.04 | 0.06 | 0.19 | 0.20 | 0.47 | 0.59 |
| 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 | 0.35 |
| 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 | 0.02 |
| 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 | 0.01 |
| 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 | 0.00 |
| 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: July 25, 2025, 2:06 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| Borrowings | 0.71 | 0.45 | 1.05 | 2.58 | 2.72 | 3.48 | 3.84 | 3.55 | 4.72 | 9.27 | 13.36 | 12.60 |
| Other Liabilities | 0.77 | 0.51 | 0.51 | 0.53 | 0.76 | 0.91 | 1.13 | 1.02 | 1.18 | 1.32 | 0.95 | 1.06 |
| Total Liabilities | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.05 |
| 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 |
| 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 |
| 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 |
| Other Assets | 9.25 | 8.99 | 9.54 | 11.61 | 13.43 | 14.33 | 15.35 | 15.45 | 16.72 | 20.24 | 24.53 | 33.29 |
| Total Assets | 9.54 | 9.34 | 10.02 | 12.08 | 13.88 | 15.02 | 15.75 | 15.79 | 17.56 | 22.69 | 26.53 | 35.05 |
Below is a detailed analysis of the balance sheet data for Viji Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 14.25 Cr.. The value appears strong and on an upward trend. It has increased from 8.25 Cr. (Mar 2024) to 14.25 Cr., marking an increase of 6.00 Cr..
- For Reserves, as of Mar 2025, the value is 7.14 Cr.. The value appears strong and on an upward trend. It has increased from 3.97 Cr. (Mar 2024) to 7.14 Cr., marking an increase of 3.17 Cr..
- For Borrowings, as of Mar 2025, the value is 12.60 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from 13.36 Cr. (Mar 2024) to 12.60 Cr., marking a decrease of 0.76 Cr..
- For Other Liabilities, as of Mar 2025, the value is 1.06 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.95 Cr. (Mar 2024) to 1.06 Cr., marking an increase of 0.11 Cr..
- For Total Liabilities, as of Mar 2025, the value is 35.05 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26.53 Cr. (Mar 2024) to 35.05 Cr., marking an increase of 8.52 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1.71 Cr.. The value appears to be declining and may need further review. It has decreased from 1.95 Cr. (Mar 2024) to 1.71 Cr., marking a decrease of 0.24 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.05 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.05 Cr..
- For Other Assets, as of Mar 2025, the value is 33.29 Cr.. The value appears strong and on an upward trend. It has increased from 24.53 Cr. (Mar 2024) to 33.29 Cr., marking an increase of 8.76 Cr..
- For Total Assets, as of Mar 2025, the value is 35.05 Cr.. The value appears strong and on an upward trend. It has increased from 26.53 Cr. (Mar 2024) to 35.05 Cr., marking an increase of 8.52 Cr..
However, the Borrowings (12.60 Cr.) are higher than the Reserves (7.14 Cr.), which may signal higher financial risk.
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 - No data available for this post.
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 | -12.16 |
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
Unable to fetch valid data for stock valuation.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: 21.4%)
- 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: 13.12%)
- 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: 226 (Industry average Stock P/E: 50.16)
- 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%
Fundamental Analysis of Viji Finance Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 11/2, Usha Ganj, Jaora Compound, Indore Madhya Pradesh 452001 | info@vijifinance.com http://www.vijifinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vijay Kothari | Promoter, Chairman & Managing Director |
| Mr. Suresh Singh Jain | Independent Director |
| Mr. Nitesh Gupta | Whole Time Director |
| Ms. Sakshi Chourasiya | Independent Director |
| Mr. Aryaman Kothari | Non Executive Director |
Viji Finance Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹3.24 |
| Previous Day | ₹3.30 |
FAQ
What is the intrinsic value of Viji Finance Ltd?
Viji Finance Ltd's intrinsic value (as of 08 December 2025) is 2.74 which is 13.22% higher the current market price of 2.42, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 34.0 Cr. market cap, FY2025-2026 high/low of 4.64/1.99, reserves of ₹7.14 Cr, and liabilities of 35.05 Cr.
What is the Market Cap of Viji Finance Ltd?
The Market Cap of Viji Finance Ltd is 34.0 Cr..
What is the current Stock Price of Viji Finance Ltd as on 08 December 2025?
The current stock price of Viji Finance Ltd as on 08 December 2025 is 2.42.
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 226.
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 2.32 %.
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.