Viji Finance Ltd

₹ 4.10 2.50%

26 Apr - close price

vijifinance.com BSE: 537820 NSE - BE : VIJIFIN

About

Incorporated in 1994, Viji Finance Ltd is engaged in providing financial services^[1]

Key Points

Business Overview^[1]^[2]^[3]
Company is a Non Systematically Important
Non Deposit Taking Non-Banking Finance Company registered with RBI. It provides
working capital loans to corporates and most of the loans are unsecured. Loans are only extended to borrowers the promoter is familiar.

Website BSE NSE - BE

Market Cap ₹ 33.8 Cr.
Current Price ₹ 4.10
High / Low ₹ 4.33 / 1.41
Stock P/E 282
Book Value ₹ 1.48
Dividend Yield 0.00 %
ROCE 1.62 %
ROE 0.99 %
Face Value ₹ 1.00

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Pros

Promoter holding has increased by 9.80% over last quarter.

Cons

Stock is trading at 2.77 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 2.82% 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

Sector: Finance Industry: Finance & Investments

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	0.04	0.28	0.28	0.30	0.32	0.54	0.70	0.34	0.46	0.45	0.42	0.51	0.55
	-0.12	0.05	0.19	0.16	0.24	0.10	0.13	0.20	0.50	0.23	0.22	0.33	0.41
Operating Profit	0.16	0.23	0.09	0.14	0.08	0.44	0.57	0.14	-0.04	0.22	0.20	0.18	0.14
OPM %	400.00%	82.14%	32.14%	46.67%	25.00%	81.48%	81.43%	41.18%	-8.70%	48.89%	47.62%	35.29%	25.45%
	0.02	0.00	0.00	0.00	0.05	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest	0.01	0.01	0.01	0.02	0.03	0.04	0.04	0.08	0.04	0.03	0.04	0.06	0.05
Depreciation	0.01	0.01	0.02	0.03	0.02	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.09
Profit before tax	0.16	0.21	0.06	0.09	0.08	0.32	0.44	-0.03	-0.17	0.10	0.07	0.03	0.00
Tax %	37.50%	28.57%	33.33%	22.22%	25.00%	25.00%	25.00%	33.33%	23.53%	30.00%	28.57%	33.33%
	0.10	0.16	0.05	0.07	0.06	0.24	0.32	-0.02	-0.13	0.07	0.05	0.03	0.00
EPS in Rs	0.01	0.02	0.01	0.01	0.01	0.03	0.04	-0.00	-0.02	0.01	0.01	0.00	0.00
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	0.74	1.30	1.32	1.37	1.61	2.31	1.76	0.99	0.94	1.22	2.09	1.93
	0.15	0.32	0.31	0.69	0.55	0.32	0.99	0.71	0.26	0.63	0.94	1.19
Operating Profit	0.59	0.98	1.01	0.68	1.06	1.99	0.77	0.28	0.68	0.59	1.15	0.74
OPM %	79.73%	75.38%	76.52%	49.64%	65.84%	86.15%	43.75%	28.28%	72.34%	48.36%	55.02%	38.34%
	0.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.05	0.00	0.00
Interest	0.10	0.11	0.04	0.06	0.07	0.04	0.05	0.03	0.04	0.06	0.19	0.18
Depreciation	0.03	0.03	0.05	0.05	0.05	0.04	0.05	0.05	0.05	0.08	0.35	0.36
Profit before tax	0.56	0.84	0.92	0.57	0.94	1.91	0.67	0.20	0.59	0.50	0.61	0.20
Tax %	30.36%	30.95%	35.87%	40.35%	36.17%	25.65%	49.25%	25.00%	25.42%	10.00%	26.23%	40.00%
	0.39	0.58	0.60	0.34	0.61	1.42	0.34	0.14	0.44	0.44	0.44	0.12
EPS in Rs	0.12	0.07	0.07	0.04	0.07	0.17	0.04	0.02	0.05	0.05	0.05	0.01
Dividend Payout %	53.85%	64.66%	37.50%	66.18%	12.30%	5.81%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	4%
5 Years:	2%
3 Years:	27%
TTM:	-8%

Compounded Profit Growth
10 Years:	-15%
5 Years:	-19%
3 Years:	-35%
TTM:	-73%

Stock Price CAGR
10 Years:	-2%
5 Years:	39%
3 Years:	80%
1 Year:	82%

Return on Equity
10 Years:	5%
5 Years:	3%
3 Years:	3%
Last Year:	1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	3.00	7.50	7.50	7.50	7.50	8.25	8.25	8.25	8.25	8.25	8.25	8.25
Reserves	-0.03	0.56	0.88	0.96	1.47	2.15	2.38	2.53	2.97	3.41	3.85	3.97
	1.16	0.71	0.45	1.05	2.58	2.72	3.48	3.84	3.55	4.72	9.18	13.36
	0.47	0.77	0.51	0.51	0.53	0.76	0.91	1.13	1.02	1.18	1.33	0.94
Total Liabilities	4.60	9.54	9.34	10.02	12.08	13.88	15.02	15.75	15.79	17.56	22.61	26.52
	0.29	0.27	0.24	0.45	0.34	0.30	0.28	0.24	0.19	0.68	2.30	1.95
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	0.02	0.11	0.03	0.13	0.15	0.41	0.16	0.15	0.16	0.15	0.05
	4.29	9.25	8.99	9.54	11.61	13.43	14.33	15.35	15.45	16.72	20.16	24.52
Total Assets	4.60	9.54	9.34	10.02	12.08	13.88	15.02	15.75	15.79	17.56	22.61	26.52

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	0.53	1.12	0.84	0.24	-1.01	-0.40	-0.69	-0.46	0.73	-1.05	-2.47	-4.15
	-0.31	-0.01	-0.10	-0.25	-0.05	-0.02	-0.39	0.16	-0.02	-0.58	-1.96	0.09
	-0.05	-1.30	-0.57	0.27	1.31	0.10	0.74	0.36	-0.30	1.18	4.47	4.17
Net Cash Flow	0.17	-0.19	0.17	0.26	0.25	-0.33	-0.34	0.05	0.41	-0.46	0.04	0.11

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Debtor Days	59.19	0.00	0.00	0.00	0.00	0.00	55.99	11.06	11.65	0.00	0.00	0.00
Inventory Days
Days Payable
Cash Conversion Cycle	59.19	0.00	0.00	0.00	0.00	0.00	55.99	11.06	11.65	0.00	0.00	0.00
Working Capital Days	-143.04	-171.27	-127.20	-119.89	-124.69	-126.41	-101.62	-361.31	-372.77	-308.16	-193.85	-117.25
ROCE %	16.12%	14.73%	10.91%	6.87%	9.59%	15.81%	5.29%	1.60%	4.29%	3.60%	4.25%

Shareholding Pattern

Numbers in percentages

5 Recently

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	52.23%	52.23%	52.23%	52.23%	52.23%	51.07%	51.47%	51.39%	45.97%	44.97%	39.83%	49.63%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%
	47.77%	47.77%	47.77%	47.77%	47.77%	48.91%	48.51%	48.62%	54.04%	55.03%	60.18%	50.38%
No. of Shareholders	13,975	16,179	21,847	23,712	26,185	28,350	30,807	36,951	44,391	48,218	51,321	54,793

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	74.04%	71.94%	53.76%	53.76%	52.23%	52.23%	51.39%	49.63%
	25.96%	28.06%	46.24%	46.24%	47.77%	47.77%	48.62%	50.38%
No. of Shareholders	2,035	6,454	7,864	8,176	10,571	23,712	36,951	54,793

* 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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Viji Finance Ltd

Viji Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

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