Share Price and Basic Stock Data
Last Updated: November 8, 2025, 4:25 am
| PEG Ratio | -486.91 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Viji Finance Ltd operates within the Finance & Investments sector, with a current share price of ₹2.97 and a market capitalization of ₹42.3 Cr. Over recent quarters, revenue trends exhibited variability, with sales reported at ₹0.54 Cr in June 2022, peaking at ₹0.70 Cr in September 2022, but subsequently experiencing a decline to ₹0.42 Cr by September 2023. The trailing twelve months (TTM) sales reached ₹2.36 Cr, indicating a slight improvement compared to the ₹2.09 Cr recorded in March 2023. The company has reported operating profit margins that have fluctuated significantly, with an operating profit margin (OPM) standing at -28.07% in June 2025, reflecting operational challenges that have affected profitability. The company’s sales for FY 2025 are projected at ₹2.33 Cr, compared to ₹1.93 Cr in FY 2024, suggesting a potential recovery in revenue generation. This inconsistent revenue pattern signals a need for strategic adjustments to stabilize income flows.
Profitability and Efficiency Metrics
Viji Finance’s profitability metrics reveal a challenging landscape, with net profit standing at ₹0.01 Cr and a P/E ratio of 4,232, indicating a high valuation relative to earnings. Return on equity (ROE) is notably low at 1.01%, while return on capital employed (ROCE) is slightly better at 2.32%. The operating profit has shown severe volatility, with a reported loss of ₹0.04 Cr in March 2023, followed by a gain of ₹0.10 Cr in June 2023. However, the OPM has been inconsistent, with periods of negative margins, such as -8.70% in March 2023 and -28.07% in June 2025. These figures suggest inefficiencies in cost management and operational execution. Additionally, the interest coverage ratio (ICR) at 4.59x indicates a sufficient ability to cover interest expenses, but the overall profitability metrics raise concerns regarding sustainable operational performance.
Balance Sheet Strength and Financial Ratios
The balance sheet of Viji Finance Ltd shows a mixed picture of financial health. As of March 2025, total assets stood at ₹35.05 Cr, while total liabilities were reported at ₹26.53 Cr, resulting in a debt-to-equity ratio of 0.99, indicating moderate leverage. The company’s reserves have increased significantly to ₹7.14 Cr by March 2025, up from ₹3.97 Cr in March 2024, reflecting a bolstering of equity capital. However, the company’s current ratio of 1.89x suggests limited liquidity, which may pose risks in covering short-term obligations. The interest coverage ratio (ICR) of 4.59x provides some comfort regarding debt servicing, but the operating profit margins and net profit margins of 10.03% and 0.01%, respectively, highlight ongoing profitability challenges. Overall, while the company has shown some improvement in reserves and asset management, its financial ratios indicate a need for enhanced operational efficiency to ensure long-term stability.
Shareholding Pattern and Investor Confidence
Viji Finance Ltd’s shareholding pattern reflects a dominant promoter presence, with promoters holding 53.71% as of March 2025. The public holds 46.29%, indicating a lack of foreign institutional investment, with FIIs at 0.00%. The number of shareholders has risen to 62,713, indicating growing retail interest. Despite the increase in public participation, the decline in promoter shareholding from 52.23% in June 2022 to 53.71% in March 2025 raises questions about confidence in management among institutional investors. The absence of foreign institutional investment may suggest caution among larger investors regarding the company’s operational performance and profitability metrics. This lack of diversified institutional backing could impact the company’s ability to raise capital for future growth initiatives, potentially limiting expansion opportunities.
Outlook, Risks, and Final Insight
Viji Finance Ltd faces a complex outlook characterized by both potential and risk. The company’s ability to stabilize and grow its revenue streams amidst fluctuating sales and profitability metrics will be critical. Risks include continued operational inefficiencies, as evidenced by the negative OPM and low ROE, which may deter investor confidence and hinder future capital raising efforts. Conversely, the increase in reserves and a stable interest coverage ratio offer a foundation for strategic investments that could enhance profitability. If the company can effectively address its operational challenges and improve cost management, it may be well-positioned to capitalize on growth opportunities in the finance sector. However, the lack of institutional investment and ongoing profitability concerns highlight the need for a focused strategy to restore investor confidence and ensure sustainable growth moving forward.
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 | 12.6 Cr. | 43.0 | 67.7/36.4 | 50.4 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,425 Cr. | 305 | 488/280 | 15.7 | 102 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 37.3 Cr. | 0.53 | 2.42/0.46 | 3.62 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.14 Cr. | 8.36 | 12.6/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 30.3 Cr. | 58.9 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,983.19 Cr | 1,374.58 | 108.16 | 3,835.00 | 0.32% | 21.70% | 14.20% | 7.28 |
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: 21.7%)
- 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: 287 (Industry average Stock P/E: 108.16)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 11/2, UshaGanj Jaora Compound, Indore Madhya Pradesh 452001 | info@vijifinance.com http://www.vijifinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Vijay Kothari | Chairman & Managing Director |
| Mr. Nitesh Gupta | Whole Time Director |
| Mr. Aryaman Kothari | Non Executive Director |
| Ms. Sakshi Chourasiya | Independent Director |
| Mr. Rajendra Sahay Shrivastava | Independent Director |
| Ms. Palak Malviya | Independent Director |
FAQ
What is the intrinsic value of Viji Finance Ltd?
Viji Finance Ltd's intrinsic value (as of 08 November 2025) is 3.48 which is 15.23% higher the current market price of 3.02, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 43.0 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 43.0 Cr..
What is the current Stock Price of Viji Finance Ltd as on 08 November 2025?
The current stock price of Viji Finance Ltd as on 08 November 2025 is 3.02.
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 287.
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.