Viji Finance Limited VIJIFIN NSEFINANCIAL
Company Overview
Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, gold loans, corporate finance, infrastructure/project finance, and personal finance services. Viji Finance Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. The company was incorporated in 1994 and is based in Indore, India.
Why Investors Should Care
Net profit has compounded at 65.8% per year over the last five years.
Revenue has grown at a 34.6% CAGR over the past five years.
Maintains a net profit margin of 56.1%.
Carries low leverage with a debt-to-equity ratio of 0.31.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹5.08 Cr (+118.6% YoY); net profit ₹1.97 Cr.
- Trailing 12 Months Year-on-year growth — revenue +295.5%, earnings +1070.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 34.6%, profit CAGR 65.8%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 34.59% |
| 1 Year: | 295.50% |
Compounded Profit Growth
| 5 Years: | 65.83% |
| 1 Year: | 1,070.48% |
Stock Price Performance
| 1 Year: | +145.35% |
| 6 Months: | +348.96% |
| 3 Months: | +144.80% |
| 1 Month: | +52.82% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)98.69 · Overbought
P/E of 47.04 is above the sector median of 20.62 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 56.1%.
- Compounding revenue at 34.6% over 5 years.
- Profit CAGR of 65.8% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- RSI at 99 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VIJIFIN Viji Finance Limited NSEFINANCIAL | 10.82 | 47.04 | ₹207.20 Cr | 0.00% | 10.89% | 8.45% | 34.59% | 65.83% |
| 2 | ABCAPITAL Aditya Birla Capital Limited NIFTY_MIDNSEFINANCIAL | 421.50 | 27.26 | ₹1.15 L Cr | 0.00% | - | 10.94% | 17.13% | -7.75% |
| 3 | AIIL Authum Investment & Infrastructure Limited NIFTY_MIDNSEFINANCIAL | 596.20 | 31.13 | ₹50,630.82 Cr | 0.04% | 10.99% | 13.11% | 82.21% | -23.44% |
| 4 | ANANDRATHI Anand Rathi Wealth Limited NIFTY_SMALLNSEFINANCIAL | 2,071.50 | 75.08 | ₹34,395.45 Cr | 0.34% | 50.03% | 39.66% | 27.94% | 32.97% |
| 5 | ABSLAMC Aditya Birla Sun Life AMC Limited NIFTY_SMALLNSEFINANCIAL | 1,024.10 | 29.42 | ₹29,623.50 Cr | 2.51% | 30.72% | 24.13% | 14.58% | 17.81% |
| 6 | ANGELONE Angel One Limited NIFTY_SMALLNSEFINANCIAL | 297.10 | 26.84 | ₹27,145.65 Cr | 1.69% | 26.86% | 14.96% | 20.30% | 0.93% |
| 7 | AADHARHFC AADHAR HOUSING FINANCE L NIFTY_SMALLNSEFINANCIAL | 514.90 | 19.98 | ₹22,518.49 Cr | 0.00% | 12.04% | 14.53% | 21.66% | 26.24% |
| 8 | APTUS Aptus Value Housing Finance India Limited NIFTY_SMALLNSEFINANCIAL | 260.80 | 13.27 | ₹13,061.33 Cr | 1.89% | - | 18.64% | 23.02% | 23.30% |
| 9 | AAVAS Aavas Financiers Limited NIFTY_SMALLNSEFINANCIAL | 1,376.30 | 15.97 | ₹10,912.69 Cr | 0.00% | 2.75% | 12.97% | 20.85% | 15.08% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 56.52 L | 57.58 L | 1.59 Cr | 2.35 Cr | 88.80 L |
| Cost of Revenue | - | - | 38.21 L | 37.29 L | 20.44 L | 15.62 L | 23.23 L |
| Gross Profit | - | - | 18.31 L | 20.29 L | 1.39 Cr | 2.19 Cr | 65.57 L |
| Operating Expenses | - | - | 61.02 L | 38.40 L | 16.26 L | 23.13 L | 42.03 L |
| Operating Income | - | - | -42.71 L | -18.11 L | 1.23 Cr | 1.96 Cr | 23.54 L |
| EBITDA | - | - | -25.22 L | -9.87 L | 1.29 Cr | 2.04 Cr | 1.61 Cr |
| Interest Expense | - | 0 | 0 | - | 9.52 L | 0 | 0 |
| Pretax Income | - | - | -33.38 L | -10.09 L | 1.12 Cr | 1.96 Cr | 1.53 Cr |
| Tax Provision | - | - | -38,000 | -40,000 | 17.29 L | -18.53 L | 39.20 L |
| Net Income | - | - | -33.00 L | -9.69 L | 94.22 L | 2.15 Cr | 1.14 Cr |
| Diluted EPS | - | - | -0.02 | -0.01 | 0.07 | 0.15 | 0.07 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 2.08 Cr | 1.93 Cr | 2.33 Cr | 5.08 Cr |
| Cost of Revenue | - | 38.73 L | 47.95 L | 1.15 Cr | 1.02 Cr |
| Gross Profit | - | 1.70 Cr | 1.45 Cr | 1.17 Cr | 4.07 Cr |
| Operating Expenses | - | 1.04 Cr | 1.23 Cr | 1.18 Cr | 1.47 Cr |
| Operating Income | - | 65.20 L | 21.42 L | -73,000 | 2.60 Cr |
| EBITDA | - | 1.00 Cr | 56.69 L | 59.37 L | 3.08 Cr |
| Interest Expense | - | 4.91 L | 99,000 | 2.73 L | 10.80 L |
| Pretax Income | - | 60.01 L | 20.05 L | 21.66 L | 2.64 Cr |
| Tax Provision | - | 16.71 L | 8.03 L | 4.79 L | 66.65 L |
| Net Income | - | 43.30 L | 12.02 L | 16.87 L | 1.97 Cr |
| Diluted EPS | - | 0.04 | 0.01 | 0.01 | 0.14 |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 22.55 Cr | 26.52 Cr | 35.05 Cr | 33.65 Cr |
| Current Assets | - | 17.98 L | 24.23 L | 5.50 Cr | 46.15 L |
| Cash & Equivalents | - | 16.67 L | 23.57 L | 40.91 L | 43.67 L |
| Inventory | - | 0 | 0 | 0 | 0 |
| Receivables | - | 0 | 0 | 0 | 0 |
| Total Liabilities | - | 10.52 Cr | 14.30 Cr | 13.67 Cr | 10.29 Cr |
| Current Liabilities | - | 1.32 Cr | 12.70 Cr | 1.07 Cr | 8.42 Cr |
| Long Term Debt | - | 9.20 Cr | 1.60 Cr | 12.60 Cr | 1.88 Cr |
| Total Debt | - | 9.20 Cr | 13.36 Cr | 12.60 Cr | 7.25 Cr |
| Total Equity | - | 12.04 Cr | 12.22 Cr | 21.39 Cr | 23.36 Cr |
| Shares Outstanding | - | 11.22 Cr | 11.22 Cr | 14.25 Cr | 14.25 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -2.47 Cr | -4.15 Cr | -2.88 Cr | 2.19 Cr |
| Investing Cash Flow | - | -1.96 Cr | 9.39 L | -10.84 L | -1.90 Cr |
| Financing Cash Flow | - | 4.52 Cr | 4.17 Cr | 8.24 Cr | -5.35 Cr |
| Capital Expenditure | -57.95 L | -1.97 Cr | -61,000 | -10.84 L | - |
| Free Cash Flow | - | -4.44 Cr | -4.16 Cr | -2.99 Cr | 2.19 Cr |
| Net Change in Cash | - | 8.84 L | 11.21 L | 5.25 Cr | -5.06 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 81.4% | 75.1% | 50.5% | 80.0% |
| Operating Margin % | - | 31.3% | 11.1% | -0.3% | 51.1% |
| Net Margin % | - | 20.8% | 6.2% | 7.3% | 38.9% |
| ROE % | - | 3.6% | 1.0% | 0.8% | 8.5% |
| ROCE % | - | 3.1% | 1.5% | -0.0% | 10.3% |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for VIJIFIN
If EPS Growth Is Important To You, Viji Finance (NSE:VIJIFIN) Presents An Opportunity - simplywall.st
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VIJIFIN — Frequently Asked Questions
What is the current share price of Viji Finance Limited (VIJIFIN)?
As of 2026-08-07 06:31 IST, Viji Finance Limited (VIJIFIN) trades at ₹10.82 on NSE. Its 52-week range is ₹2.01 to ₹10.82.
What is the market capitalisation of VIJIFIN?
Viji Finance Limited (VIJIFIN) has a market capitalisation of ₹207.20 Cr on NSE.
What is the P/E ratio of VIJIFIN?
VIJIFIN trades at a trailing price-to-earnings (P/E) ratio of 47.04. The industry average P/E is 20.62. Its price-to-book (P/B) ratio is 6.75.
What is the return on equity (ROE) of VIJIFIN?
VIJIFIN has a return on equity (ROE) of 8.45%. Its return on capital employed (ROCE) is 10.89%.
Is VIJIFIN a good stock to buy?
This page provides a data-driven analysis of Viji Finance Limited (VIJIFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.