Viji Finance Ltd

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

Viji Finance Ltd

₹ 3.93 2.61%
22 May - close price
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 ₹ 56.0 Cr.
  • Current Price ₹ 3.93
  • High / Low ₹ 4.70 / 1.97
  • Stock P/E 400
  • Book Value ₹ 0.85
  • Dividend Yield 0.00 %
  • ROCE 1.41 %
  • ROE 1.16 %
  • Face Value ₹ 1.00
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Pros

Cons

  • Stock is trading at 4.60 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%
  • The company has delivered a poor sales growth of -4.75% over past five years.
  • Company has a low return on equity of 2.86% 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

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
0.22 0.04 0.28 0.28 0.30 0.32 0.54 0.70 0.34 0.46 0.45 0.42 0.51
Interest 0.01 0.01 0.01 0.01 0.02 0.03 0.04 0.04 0.08 0.04 0.03 0.04 0.06
0.14 -0.11 0.05 0.19 0.16 0.24 0.10 0.13 0.20 0.50 0.24 0.22 0.33
Financing Profit 0.07 0.14 0.22 0.08 0.12 0.05 0.40 0.53 0.06 -0.08 0.18 0.16 0.12
Financing Margin % 31.82% 350.00% 78.57% 28.57% 40.00% 15.62% 74.07% 75.71% 17.65% -17.39% 40.00% 38.10% 23.53%
-0.00 0.02 -0.00 -0.00 -0.00 0.05 0.01 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
Depreciation 0.01 0.01 0.01 0.02 0.03 0.02 0.09 0.09 0.09 0.09 0.09 0.09 0.09
Profit before tax 0.06 0.15 0.21 0.06 0.09 0.08 0.32 0.44 -0.03 -0.17 0.09 0.07 0.03
Tax % 33.33% 40.00% 28.57% 33.33% 22.22% 25.00% 25.00% 25.00% -33.33% -23.53% 22.22% 28.57% 33.33%
0.04 0.09 0.16 0.05 0.07 0.06 0.24 0.32 -0.03 -0.13 0.07 0.05 0.03
EPS in Rs 0.00 0.01 0.01 0.00 0.00 0.00 0.02 0.02 -0.00 -0.01 0.00 0.00 0.00
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.37 1.72 2.31 1.76 0.99 0.94 1.22 2.09 1.38
Interest 0.06 0.07 0.04 0.05 0.03 0.04 0.06 0.20 0.14
0.69 0.67 0.32 0.99 0.73 0.26 0.64 0.94 0.79
Financing Profit 0.62 0.98 1.95 0.72 0.23 0.64 0.52 0.95 0.45
Financing Margin % 45.26% 56.98% 84.42% 40.91% 23.23% 68.09% 42.62% 45.45% 32.61%
-0.00 -0.00 -0.00 -0.00 0.01 -0.00 0.05 -0.00 -0.00
Depreciation 0.05 0.05 0.04 0.05 0.05 0.05 0.08 0.35 0.27
Profit before tax 0.57 0.93 1.91 0.67 0.19 0.59 0.49 0.60 0.18
Tax % 40.35% 33.33% 26.70% 50.75% 31.58% 23.73% 10.20% 26.67% 27.78%
0.34 0.62 1.40 0.33 0.13 0.45 0.44 0.43 0.14
EPS in Rs 0.02 0.04 0.10 0.02 0.01 0.03 0.03 0.03 0.01
Dividend Payout % 66.18% 12.10% 5.89% -0.00% -0.00% -0.00% -0.00% -0.00% -0.00%
Compounded Sales Growth
10 Years: %
5 Years: -5%
3 Years: 14%
TTM: -34%
Compounded Profit Growth
10 Years: %
5 Years: -16%
3 Years: -32%
TTM: -67%
Stock Price CAGR
10 Years: -2%
5 Years: 40%
3 Years: 41%
1 Year: 71%
Return on Equity
10 Years: %
5 Years: 3%
3 Years: 3%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 7.50 7.50 8.25 8.25 8.25 8.25 8.25 8.25 8.25
Reserves 0.96 1.30 1.95 2.18 2.31 2.91 3.35 3.79 3.93
Borrowing 1.05 3.05 3.18 3.94 4.30 3.55 4.67 9.19 12.06
0.51 0.51 0.77 0.90 1.14 1.04 1.19 1.32 1.12
Total Liabilities 10.02 12.36 14.15 15.27 16.00 15.75 17.46 22.55 25.36
0.45 0.34 0.30 0.28 0.24 0.19 0.68 2.30 2.04
CWIP -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00 -0.00
Investments 0.03 -0.00 0.02 0.28 0.03 0.05 0.06 0.05 0.05
9.54 12.02 13.83 14.71 15.73 15.51 16.72 20.20 23.27
Total Assets 10.02 12.36 14.15 15.27 16.00 15.75 17.46 22.55 25.36

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1.09 -0.37 -0.68 -0.46 0.72 -1.06 -2.47 -2.84
0.05 -0.02 -0.39 0.16 -0.02 -0.58 -1.96 -0.01
1.40 0.09 0.73 0.36 -0.30 1.12 4.52 2.86
Net Cash Flow 0.36 -0.30 -0.35 0.06 0.41 -0.51 0.09 0.01
Free Cash Flow -1.03 -0.37 -0.70 -0.48 0.72 -1.64 -4.44 -2.85
CFO/OP -94% -10% -27% -177% 106% -183% -215% -473%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 4.02% 7.18% 14.74% 3.20% 1.24% 4.14% 3.87% 3.64% 1.16%

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
% ・Standalone data
Number of Employees
Count ・Standalone data
Gross Non-Performing Assets (GNPA)
INR Lakhs ・Standalone data

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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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