Viji Finance Ltd

Viji Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Viji Finance Ltd

₹ 4.10 4.86%
17 Jun 12:53 p.m.
vijifinance.com BSE: 537820 NSE: VIJIFIN
About

Incorporated in 1994, Viji Finance Ltd is in the business of offering financial services.[1]

Key Points

Business Overview:[1]
VFL is registered as a non-systemically
Important non-deposit Accepting non-banking
Financial Company which is engaged in providing financial services.

Website BSE NSE - BE
  • Market Cap ₹ 58.4 Cr.
  • Current Price ₹ 4.10
  • High / Low ₹ 4.70 / 1.97
  • Stock P/E 29.6
  • Book Value ₹ 1.64
  • Dividend Yield 0.00 %
  • ROCE 9.78 %
  • ROE 8.80 %
  • Face Value ₹ 1.00
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Pros

  • Company has reduced debt.

Cons

  • Stock is trading at 2.53 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -5.34%
  • Company has a low return on equity of 4.40% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.46 0.45 0.42 0.51 0.55 0.53 0.61 0.59 0.59 0.57 0.58 1.59 2.35
Interest 0.04 0.03 0.04 0.06 0.05 0.05 0.11 0.16 0.14 0.18 0.17 0.10 0.08
0.50 0.23 0.22 0.33 0.41 0.54 0.70 0.59 0.07 0.73 0.51 0.27 0.23
Financing Profit -0.08 0.19 0.16 0.12 0.09 -0.06 -0.20 -0.16 0.38 -0.34 -0.10 1.22 2.04
Financing Margin % -17.39% 42.22% 38.10% 23.53% 16.36% -11.32% -32.79% -27.12% 64.41% -59.65% -17.24% 76.73% 86.81%
0.00 0.00 0.00 0.00 0.00 0.00 0.01 0.15 0.44 0.09 0.08 -0.02 0.00
Depreciation 0.09 0.09 0.09 0.09 0.09 0.08 0.09 0.09 0.09 0.08 0.08 0.08 0.08
Profit before tax -0.17 0.10 0.07 0.03 0.00 -0.14 -0.28 -0.10 0.73 -0.33 -0.10 1.12 1.96
Tax % -23.53% 30.00% 28.57% 33.33% -28.57% -10.71% 0.00% 8.22% 0.00% 0.00% 16.07% -9.69%
-0.13 0.07 0.05 0.03 0.00 -0.10 -0.24 -0.10 0.68 -0.33 -0.10 0.94 2.15
EPS in Rs -0.01 0.00 0.00 0.00 0.00 -0.01 -0.02 -0.01 0.05 -0.02 -0.01 0.07 0.15
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.32 1.37 1.61 2.31 1.76 0.99 0.94 1.22 2.09 1.93 2.58 5.08
Interest 0.04 0.06 0.07 0.04 0.05 0.03 0.04 0.06 0.19 0.20 0.50 0.52
0.31 0.69 0.55 0.32 0.99 0.71 0.26 0.63 0.94 1.17 1.86 1.75
Financing Profit 0.97 0.62 0.99 1.95 0.72 0.25 0.64 0.53 0.96 0.56 0.22 2.81
Financing Margin % 73.48% 45.26% 61.49% 84.42% 40.91% 25.25% 68.09% 43.44% 45.93% 29.02% 8.53% 55.31%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.00 0.00 0.35 0.16
Depreciation 0.05 0.05 0.05 0.04 0.05 0.05 0.05 0.08 0.35 0.36 0.35 0.33
Profit before tax 0.92 0.57 0.94 1.91 0.67 0.20 0.59 0.50 0.61 0.20 0.22 2.64
Tax % 35.87% 40.35% 36.17% 25.65% 49.25% 25.00% 25.42% 10.00% 26.23% 40.00% 22.73% 25.38%
0.60 0.34 0.61 1.42 0.34 0.14 0.44 0.44 0.44 0.12 0.17 1.97
EPS in Rs 0.04 0.02 0.04 0.10 0.02 0.01 0.03 0.03 0.03 0.01 0.01 0.14
Dividend Payout % 37.50% 66.18% 12.30% 5.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 14%
5 Years: 40%
3 Years: 34%
TTM: 97%
Compounded Profit Growth
10 Years: 19%
5 Years: 35%
3 Years: 65%
TTM: 1059%
Stock Price CAGR
10 Years: -3%
5 Years: 28%
3 Years: 40%
1 Year: 71%
Return on Equity
10 Years: 5%
5 Years: 4%
3 Years: 4%
Last Year: 9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 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 0.88 0.96 1.47 2.15 2.38 2.53 2.97 3.41 3.85 3.97 7.14 9.11
Borrowing 0.45 1.05 2.58 2.72 3.48 3.84 3.55 4.72 9.27 13.36 12.59 7.25
0.51 0.51 0.53 0.76 0.91 1.13 1.02 1.18 1.32 0.95 1.08 3.04
Total Liabilities 9.34 10.02 12.08 13.88 15.02 15.75 15.79 17.56 22.69 26.53 35.06 33.65
0.24 0.45 0.34 0.30 0.28 0.24 0.19 0.68 2.30 1.95 1.71 1.38
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 0.11 0.03 0.13 0.15 0.41 0.16 0.15 0.16 0.15 0.05 0.05 1.95
8.99 9.54 11.61 13.43 14.33 15.35 15.45 16.72 20.24 24.53 33.30 30.32
Total Assets 9.34 10.02 12.08 13.88 15.02 15.75 15.79 17.56 22.69 26.53 35.06 33.65

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.84 0.24 -1.01 -0.40 -0.69 -0.46 0.73 -1.05 -2.47 -4.15 -2.88 2.19
-0.10 -0.25 -0.05 -0.02 -0.39 0.16 -0.02 -0.58 -1.96 0.09 -0.11 -1.90
-0.57 0.27 1.31 0.10 0.74 0.36 -0.30 1.18 4.47 4.17 8.24 -5.35
Net Cash Flow 0.17 0.26 0.25 -0.33 -0.34 0.05 0.41 -0.46 0.04 0.11 5.25 -5.06
Free Cash Flow 0.82 -0.12 -0.95 -0.40 -0.71 -0.48 0.73 -1.63 -4.44 -4.16 -2.99 2.19
CFO/OP 83% 35% -85% -12% -29% -164% 107% -178% -215% -534% -389% 68%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 7.30% 4.04% 7.00% 14.66% 3.23% 1.31% 4.00% 3.85% 3.70% 0.99% 1.01% 8.80%

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
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Gross NPA Percentage
%
Number of Employees
Count
Gross Non-Performing Assets (GNPA)
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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
45.97% 44.97% 39.83% 49.63% 51.02% 53.71% 53.71% 53.71% 53.71% 53.71% 53.02% 47.68%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.25%
54.04% 55.03% 60.18% 50.38% 48.99% 46.30% 46.30% 46.29% 46.29% 46.29% 46.99% 52.07%
No. of Shareholders 44,39148,21851,32154,79353,38154,02560,65862,71362,99462,79262,15061,973

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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