Viji Finance Ltd

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

₹ 14.7 -1.94%
02 Nov 12:59 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 ₹ 339 Cr.
  • Current Price ₹ 14.7
  • High / Low ₹ 17.4 / 1.97
  • Stock P/E 59.1
  • Book Value ₹ 2.20
  • Dividend Yield 0.00 %
  • ROCE 10.2 %
  • ROE 8.80 %
  • Face Value ₹ 1.00
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Company has delivered good profit growth of 35.0% CAGR over last 5 years

Cons

  • Stock is trading at 6.68 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding has decreased over last quarter: -9.24%
  • Promoter holding is low: 30.1%
  • Company has a low return on equity of 4.40% over last 3 years.

* 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

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
0.42 0.51 0.55 0.53 0.61 0.59 0.59 0.57 0.58 1.59 2.35 1.31 2.77
Interest 0.04 0.06 0.05 0.05 0.11 0.16 0.14 0.18 0.17 0.10 0.08 0.18 0.11
0.22 0.33 0.41 0.54 0.70 0.59 0.07 0.73 0.51 0.27 0.23 0.28 0.65
Financing Profit 0.16 0.12 0.09 -0.06 -0.20 -0.16 0.38 -0.34 -0.10 1.22 2.04 0.85 2.01
Financing Margin % 38.10% 23.53% 16.36% -11.32% -32.79% -27.12% 64.41% -59.65% -17.24% 76.73% 86.81% 64.89% 72.56%
0.00 0.00 0.00 0.00 0.01 0.15 0.44 0.09 0.08 -0.02 0.00 0.76 0.09
Depreciation 0.09 0.09 0.09 0.08 0.09 0.09 0.09 0.08 0.08 0.08 0.08 0.08 0.08
Profit before tax 0.07 0.03 0.00 -0.14 -0.28 -0.10 0.73 -0.33 -0.10 1.12 1.96 1.53 2.02
Tax % 28.57% 33.33% -28.57% -10.71% 0.00% 8.22% 0.00% 0.00% 16.07% -9.69% 25.49% 24.75%
0.05 0.03 0.00 -0.10 -0.24 -0.10 0.68 -0.33 -0.10 0.94 2.15 1.14 1.51
EPS in Rs 0.00 0.00 0.00 -0.01 -0.02 -0.01 0.05 -0.02 -0.01 0.07 0.15 0.07 0.07
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 TTM
1.32 1.37 1.61 2.31 1.76 0.99 0.94 1.22 2.09 1.93 2.58 5.24 8.02
Interest 0.04 0.06 0.07 0.04 0.05 0.03 0.04 0.06 0.19 0.20 0.50 0.64 0.47
0.31 0.69 0.55 0.32 0.99 0.71 0.26 0.63 0.94 1.17 1.86 1.63 1.43
Financing Profit 0.97 0.62 0.99 1.95 0.72 0.25 0.64 0.53 0.96 0.56 0.22 2.97 6.12
Financing Margin % 73.48% 45.26% 61.49% 84.42% 40.91% 25.25% 68.09% 43.44% 45.93% 29.02% 8.53% 56.68% 76.31%
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.05 0.00 0.00 0.35 0.00 0.83
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 0.32
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 6.63
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 5.74
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 0.36
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: 41%
3 Years: 36%
TTM: 244%
Compounded Profit Growth
10 Years: 19%
5 Years: 35%
3 Years: 65%
TTM: 3727%
Stock Price CAGR
10 Years: 4%
5 Years: 54%
3 Years: 126%
1 Year: 431%
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 Sep 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 23.10
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 27.69
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 3.38
0.51 0.51 0.53 0.76 0.91 1.13 1.02 1.18 1.32 0.95 1.08 3.04 2.33
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 56.50
0.24 0.45 0.34 0.30 0.28 0.24 0.19 0.68 2.30 1.95 1.71 1.38 1.25
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 0.11 0.03 0.13 0.15 0.41 0.16 0.15 0.16 0.15 0.05 0.05 1.95 0.74
8.99 9.54 11.61 13.43 14.33 15.35 15.45 16.72 20.24 24.53 33.30 30.32 54.51
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 56.50

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

Ratios

Standalone / 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

In beta
Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Total Loan Portfolio (Gross Loans)
INR Lakhs

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Gross NPA % of Total Loans
%
Number of Permanent Employees
count
Unsecured Loans % of Total Portfolio
%
Retail Loans % of Total Portfolio
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

7 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
39.83% 49.63% 51.02% 53.71% 53.71% 53.71% 53.71% 53.71% 53.02% 47.68% 39.31% 30.07%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.25% 0.21% 0.15%
60.18% 50.38% 48.99% 46.30% 46.30% 46.29% 46.29% 46.29% 46.99% 52.07% 60.49% 69.76%
No. of Shareholders 51,32154,79353,38154,02560,65862,71362,99462,79262,15061,97360,31957,936

* 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.

Click on the line-items to see the names of individual entities.

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