Viji Finance
Financial Services
VIJIFIN NSE
₹14.12 −0.28 (−1.94%)
- P/E
- 50.43
Close 4 Nov 2026 ₹14.12 +11.15 +375% 1Y
Start ₹2.97
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 0.31
- EPS (TTM)
- ₹0.28
- Book Value
- ₹2.20
- Market Cap
- —
- P/E (TTM)
- 50.43
- P/B
- 6.42
- ROE
- 8.80%
- Dividend Yield
- 0.00%
- 52W High
- ₹17.24
- 52W Low
- ₹2.01
- Day Range
- ₹14.12 – ₹14.12
- Volume
- 74,263
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › NBFC › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
| Viji Finance (this company) | ₹14.12 | 50.43 | ₹333 Cr | 6.42 | 0.00% | 8.80% | — | ₹5 Cr | ₹4 Cr |
| Median 8 companies | ₹730.88 | 23.80 | ₹1,22,695 Cr | 3.00 | 0.54% | 15.55% | — | ₹32,679 Cr | ₹5,615 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
49 Average
Data confidence 94/100
surveillance:ASM2
Category scores
- Quality
- 69
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 28
- Poor
- Cheap vs sector & own history 24% weight
- Growth
- 95
- Strong
- Sales & profit trajectory 9% weight
- Financial Health
- 33
- Poor
- Solvency, leverage, coverage 9% weight
- Momentum
- 99
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 53
- Average
- FII/DII/promoter flows 24% weight
Capped: a governance trigger overrides the
fundamentals here (surveillance:ASM2 ≤ 50).
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
1- Company has reduced debt.
Weaknesses
5- Stock is trading at 8.62 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -18.0%
- Promoter holding is low: 29.7%
- Company has a low return on equity of 4.40% over last 3 years.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Bearish | 8 | 4 | 7 |
| Oscillators | Bullish | 2 | 4 | 3 |
| Moving Averages | Strong Bearish | 6 | 0 | 4 |
Oscillators
Bullish
Bearish
2
Neutral
4
Bullish
3
Overall
Bearish
Bearish
8
Neutral
4
Bullish
7
Moving Averages
Strong Bearish
Bearish
6
Neutral
0
Bullish
4
Key readings
- RSI (14)
- 39.58
- Neutral
- MACD (12,26,9)
- −0.08
- Bearish
- SMA (50)
- 15.32
- Bearish
- SMA (200)
- 7.51
- Bullish
As of
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +14.36% |
|---|---|
| 5Y | +41.01% |
| 3Y | +35.85% |
| 1Y | +103.10% |
| TTM | +129.24% |
Net profit
| 10Y | +19.21% |
|---|---|
| 5Y | +34.96% |
| 3Y | +64.82% |
| 1Y | Tiny base |
| TTM | Tiny base |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹1.61 Cr |
|---|---|
| Mar 2018 | ₹2.31 Cr |
| Mar 2019 | ₹1.76 Cr |
| Mar 2020 | ₹0.99 Cr |
| Mar 2021 | ₹0.94 Cr |
| Mar 2022 | ₹1.22 Cr |
| Mar 2023 | ₹2.09 Cr |
| Mar 2024 | ₹1.93 Cr |
| Mar 2025 | ₹2.58 Cr |
| Mar 2026 | ₹5.24 Cr |
Net profit by year
| Mar 2017 | ₹0.61 Cr |
|---|---|
| Mar 2018 | ₹1.42 Cr |
| Mar 2019 | ₹0.34 Cr |
| Mar 2020 | ₹0.14 Cr |
| Mar 2021 | ₹0.44 Cr |
| Mar 2022 | ₹0.44 Cr |
| Mar 2023 | ₹0.44 Cr |
| Mar 2024 | ₹0.12 Cr |
| Mar 2025 | ₹0.17 Cr |
| Mar 2026 | ₹1.97 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.45 | 0.42 | 0.51 | 0.55 | 0.53 | 0.61 | 0.59 | 0.59 | 0.57 | 0.58 | 1.59 | 2.35 | 0.89 |
| Expenses | 0.23 | 0.22 | 0.33 | 0.41 | 0.54 | 0.7 | 0.59 | 0.07 | 0.73 | 0.51 | 0.27 | 0.23 | 0.29 |
| Financing Profit | 0.19 | 0.16 | 0.12 | 0.09 | −0.06 | −0.2 | −0.16 | 0.38 | −0.34 | −0.1 | 1.22 | 2.04 | 0.42 |
| Fin. Margin % | 42.22% | 38.1% | 23.53% | 16.36% | −11.32% | −32.79% | −27.12% | 64.41% | −59.65% | −17.24% | 76.73% | 86.81% | 47.19% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0.01 | 0.15 | 0.44 | 0.09 | 0.08 | −0.02 | 0 | 1.19 |
| Interest | 0.03 | 0.04 | 0.06 | 0.05 | 0.05 | 0.11 | 0.16 | 0.14 | 0.18 | 0.17 | 0.1 | 0.08 | 0.18 |
| Depreciation | 0.09 | 0.09 | 0.09 | 0.09 | 0.08 | 0.09 | 0.09 | 0.09 | 0.08 | 0.08 | 0.08 | 0.08 | 0.08 |
| PBT | 0.1 | 0.07 | 0.04 | 0 | −0.14 | −0.28 | −0.1 | 0.73 | −0.33 | −0.1 | 1.12 | 1.96 | 1.53 |
| Tax % | 30% | 28.57% | 33.33% | — | −28.57% | −10.71% | 0% | 8.22% | 0% | 0% | 16.07% | −9.69% | 25.49% |
| Net Profit | 0.07 | 0.05 | 0.03 | 0 | −0.1 | −0.24 | −0.1 | 0.68 | −0.33 | −0.1 | 0.94 | 2.15 | 1.14 |
| EPS (₹) | 0 | 0 | 0 | 0 | −0.01 | −0.02 | −0.01 | 0.05 | −0.02 | −0.01 | 0.07 | 0.15 | 0.07 |
Profit & Loss
₹ Cr| Particulars | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.32 | 1.37 | 1.61 | 2.31 | 1.76 | 0.99 | 0.94 | 1.22 | 2.09 | 1.93 | 2.58 | 5.24 | 5.41 |
| Expenses | 0.31 | 0.69 | 0.55 | 0.32 | 0.99 | 0.71 | 0.26 | 0.63 | 0.94 | 1.17 | 1.86 | 1.63 | 1.3 |
| 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 | 3.58 |
| Fin. 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% | 66.17% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.05 | 0 | 0 | 0.35 | 0 | 1.25 |
| Interest | 0.04 | 0.06 | 0.07 | 0.04 | 0.05 | 0.03 | 0.04 | 0.06 | 0.19 | 0.2 | 0.5 | 0.64 | 0.53 |
| 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 |
| PBT | 0.92 | 0.57 | 0.94 | 1.91 | 0.67 | 0.2 | 0.59 | 0.5 | 0.61 | 0.2 | 0.22 | 2.64 | 4.51 |
| Tax % | 35.87% | 40.35% | 36.17% | 25.65% | 49.25% | 25% | 25.42% | 10% | 26.23% | 40% | 22.73% | 25.38% | — |
| Net Profit | 0.6 | 0.34 | 0.61 | 1.42 | 0.34 | 0.14 | 0.44 | 0.44 | 0.44 | 0.12 | 0.17 | 1.97 | 4.13 |
| EPS (₹) | 0.04 | 0.02 | 0.04 | 0.1 | 0.02 | 0.01 | 0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.14 | 0.28 |
| Div. Payout % | 37.5% | 66.18% | 12.3% | 5.81% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | 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 | 7.5 | 7.5 | 7.5 | 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 |
| Other Liabilities | 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 |
| Fixed Assets | 0.24 | 0.45 | 0.34 | 0.3 | 0.28 | 0.24 | 0.19 | 0.68 | 2.3 | 1.95 | 1.71 | 1.38 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 |
| Other Assets | 8.99 | 9.54 | 11.61 | 13.43 | 14.33 | 15.35 | 15.45 | 16.72 | 20.24 | 24.53 | 33.3 | 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 Flow
₹ Cr| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 0.84 | 0.24 | −1.01 | −0.4 | −0.69 | −0.46 | 0.73 | −1.05 | −2.47 | −4.15 | −2.88 | 2.19 |
| Investing | −0.1 | −0.25 | −0.05 | −0.02 | −0.39 | 0.16 | −0.02 | −0.58 | −1.96 | 0.09 | −0.11 | −1.9 |
| Financing | −0.57 | 0.27 | 1.31 | 0.1 | 0.74 | 0.36 | −0.3 | 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 | −0.4 | −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 | 62 |
Ratios
| Particulars | 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 % | 7.3% | 4.04% | 7% | 14.66% | 3.23% | 1.31% | 4% | 3.85% | 3.7% | 0.99% | 1.01% | 8.8% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Viji Finance insights
51 extracted metrics across FY13–FY27.
Documents
- 20 Aug 2018
- 18 Jun 2018
- General announcements 16 Oct 2026
Frequently Asked Questions about Viji Finance
What does Viji Finance Ltd do?
Incorporated in 1994, Viji Finance Ltd is in the business of offering financial services.
Where is Viji Finance Ltd (VIJIFIN) listed?
Viji Finance Ltd trades as VIJIFIN on the NSE and under code 537820 on the BSE.
Which sector does Viji Finance Ltd belong to?
Viji Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Viji Finance Ltd?
Viji Finance Ltd trades at a PE ratio of 50.43 as of 4 Nov 2026, on earnings per share of ₹0.28, against a book value of ₹2.2 per share.
What is the 52-week high and low of Viji Finance Ltd?
Over the last 52 weeks Viji Finance Ltd has traded between ₹2.01 and ₹17.24 as of 4 Nov 2026.
What is the Return on Equity (ROE) of Viji Finance Ltd?
Viji Finance Ltd reported a return on equity of 8.80%. Its debt-to-equity ratio is 0.31.
Company Information
Incorporated in 1994, Viji Finance Ltd is in the business of offering financial services.
Website vijifinance.com
CEO Mr. Vijay Nagin Chand Kothari
Employees 27
Listed 11 Jul 2016
Face Value ₹1
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