Viji Finance Ltd

₹ 13.9 1.98%

24 Aug - 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 ₹ 308 Cr.
Current Price ₹ 13.9
High / Low ₹ 14.0 / 1.97
Stock P/E 2,197
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 16.3 times its book value
Though the company is reporting repeated profits, it is not paying out dividend
Promoter holding has decreased over last quarter: -16.6%
The company has delivered a poor sales growth of -4.75% over past five years.
Promoter holding is low: 31.0%
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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Detailed Comparison with:

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:	9%
5 Years:	64%
3 Years:	107%
1 Year:	292%

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 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

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Gross NPA % of Total Loans
% ・Standalone data

x.xx	x.xx	x.xx	xx.xx	xx.xx	x.xx	xx.xx	xx.xx	xx.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xx.xx	xx.xx	xx.xx	xx.xx
	x	x	x	x	xx	x		xx
							xx.xx	xx.xx

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Total Loan Portfolio (Gross Loans)
INR Lakhs ・Standalone data

Unsecured Loans % of Total Portfolio
% ・Standalone data

Number of Permanent Employees
count ・Standalone data

Retail Loans % of Total Portfolio
% ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

3 Recently

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Aug 2026
	39.83%	49.63%	51.02%	53.71%	53.71%	53.71%	53.71%	53.71%	53.02%	47.68%	39.31%	31.03%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.25%	0.21%	0.16%
	60.18%	50.38%	48.99%	46.30%	46.30%	46.29%	46.29%	46.29%	46.99%	52.07%	60.49%	68.81%
No. of Shareholders	51,321	54,793	53,381	54,025	60,658	62,713	62,994	62,792	62,150	61,973	60,319	59,025

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Aug 2026
	74.04%	71.94%	53.76%	53.76%	52.23%	52.23%	51.39%	49.63%	53.71%	47.68%	31.03%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.25%	0.16%
	25.96%	28.06%	46.24%	46.24%	47.77%	47.77%	48.62%	50.38%	46.29%	52.07%	68.81%
No. of Shareholders	2,035	6,454	7,864	8,176	10,571	23,712	36,951	54,793	62,713	61,973	59,025

* 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

Insights

Shareholding Pattern

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