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Viji Finance Limited VIJIFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://www.vijifinance.com
Company Profile ↓
₹16.58
+309.38% 1Y
Mkt Cap₹383.00 Cr
P/E72.09
P/B9.95
52W High₹16.58
52W Low₹2.01
Book Value₹1.63
EPS (TTM)₹0.23

Company Overview

Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, loans against property, gold and education loans, corporate and housing finance, infrastructure/project finance, personal finance, and medical equipment loan services. Viji Finance Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. Viji Finance Limited was incorporated in 1994 and is based in Indore, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 65.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 34.6% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 56.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.31.

Positive Free Cash Flow

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:+309.38%
6 Months:+693.30%
3 Months:+311.41%
1 Month:+50.32%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
₹2.01 ₹16.58
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)99.83 · Overbought
Price Performance
1M+50.32%
3M+311.41%
6M+693.30%
1Y+309.38%
Valuation vs Sector

P/E of 72.09 is above the sector median of 17.40 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

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

  • Trading at a high P/E of 72.1.
  • RSI at 100 suggests overbought conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
72.09
Industry PE
17.40
Forward P/E est.
36.05
PEG Ratio
-
Book Value
₹1.63
Price to Book
9.95
P/S
61.22
EV/EBITDA
53.32
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
34.59%
Profit 5Y
65.83%
Revenue (YoY)
295.50%
Earnings (YoY)
1,070.48%

Profitability & Returns

ROCE
10.89%
ROE
8.45%
ROA
5.87%
Profit Margin
56.13%
Op Margin
80.67%
Gross Margin
100.00%
EPS (Latest Qtr)
₹0.07
EPS (TTM)
₹0.23

Balance Sheet & Liquidity

Debt/Equity
0.31
Quick Ratio
0.05
Current Ratio
0.05
Debt
₹7.25 Cr
Total Assets
₹33.65 Cr
Current Assets
₹46.15 L
Working Capital
₹-7.95 Cr

Ownership

Promoter Holding
70.02%
Chg in Prom Hold
4.33%
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹383.00 Cr
Total Revenue (TTM)
₹6.13 Cr
EBITDA
₹3.08 Cr
Free Cash Flow
₹2.19 Cr
Operating Cash Flow
₹2.19 Cr
Shares Outstanding
₹23.10 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 VIJIFIN Viji Finance Limited NSEFINANCIAL 16.58 72.09 ₹383.00 Cr 0.00% 10.89% 8.45% 34.59% 65.83%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 710.50 15.52 ₹10.95 L Cr 1.85% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,427.50 18.45 ₹10.25 L Cr 0.86% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,005.90 10.75 ₹9.29 L Cr 1.72% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.00 32.55 ₹6.59 L Cr 0.51% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 422.10 20.67 ₹4.20 L Cr 0.16% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 14.32 ₹3.96 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,938.60 30.68 ₹3.10 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.50 8.67 ₹2.60 L Cr 2.43% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue --56.52 L57.58 L1.59 Cr2.35 Cr88.80 L
Cost of Revenue --38.21 L37.29 L20.44 L15.62 L23.23 L
Gross Profit --18.31 L20.29 L1.39 Cr2.19 Cr65.57 L
Operating Expenses --61.02 L38.40 L16.26 L23.13 L42.03 L
Operating Income ---42.71 L-18.11 L1.23 Cr1.96 Cr23.54 L
EBITDA ---25.22 L-9.87 L1.29 Cr2.04 Cr1.61 Cr
Interest Expense -00-9.52 L00
Pretax Income ---33.38 L-10.09 L1.12 Cr1.96 Cr1.53 Cr
Tax Provision ---38,000-40,00017.29 L-18.53 L39.20 L
Net Income ---33.00 L-9.69 L94.22 L2.15 Cr1.14 Cr
Diluted EPS ---0.02-0.010.070.150.07

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -2.08 Cr1.93 Cr2.33 Cr5.08 Cr
Cost of Revenue -38.73 L47.95 L1.15 Cr1.02 Cr
Gross Profit -1.70 Cr1.45 Cr1.17 Cr4.07 Cr
Operating Expenses -1.04 Cr1.23 Cr1.18 Cr1.47 Cr
Operating Income -65.20 L21.42 L-73,0002.60 Cr
EBITDA -1.00 Cr56.69 L59.37 L3.08 Cr
Interest Expense -4.91 L99,0002.73 L10.80 L
Pretax Income -60.01 L20.05 L21.66 L2.64 Cr
Tax Provision -16.71 L8.03 L4.79 L66.65 L
Net Income -43.30 L12.02 L16.87 L1.97 Cr
Diluted EPS -0.040.010.010.14

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -22.55 Cr26.52 Cr35.05 Cr33.65 Cr
Current Assets -17.98 L24.23 L5.50 Cr46.15 L
Cash & Equivalents -16.67 L23.57 L40.91 L43.67 L
Inventory -0000
Receivables -0000
Total Liabilities -10.52 Cr14.30 Cr13.67 Cr10.29 Cr
Current Liabilities -1.32 Cr12.70 Cr1.07 Cr8.42 Cr
Long Term Debt -9.20 Cr1.60 Cr12.60 Cr1.88 Cr
Total Debt -9.20 Cr13.36 Cr12.60 Cr7.25 Cr
Total Equity -12.04 Cr12.22 Cr21.39 Cr23.36 Cr
Shares Outstanding -11.22 Cr11.22 Cr14.25 Cr14.25 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --2.47 Cr-4.15 Cr-2.88 Cr2.19 Cr
Investing Cash Flow --1.96 Cr9.39 L-10.84 L-1.90 Cr
Financing Cash Flow -4.52 Cr4.17 Cr8.24 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 Cr2.19 Cr
Net Change in Cash -8.84 L11.21 L5.25 Cr-5.06 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Insiders
70.02%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for VIJIFIN

Google News Fri, 19 Jun 2026

If EPS Growth Is Important To You, Viji Finance (NSE:VIJIFIN) Presents An Opportunity - simplywall.st

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Google News ue, 30 Jun 2026

VIJIFIN Mar 2026 Earnings: Positive EPS of ₹0.15 Drives Stock Price Movement - Earnings Preview - vinanet.vn

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Google News Fri, 26 Jun 2026

Viji Finance Share Price Target 2026: Rs 6.55 Analyst Forecast - Univest

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Google News Sun, 28 Jun 2026

VIJIFIN.NS Mar 2026 Earnings: EPS of ₹0.15 Reported Amid Strong Stock Movement - Long-Term Guidance - vinanet.vn

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Google News Fri, 10 Jul 2026

Viji Finance Gains 2% as Stock Approaches Key Resistance at ₹8.03 (VIJIFIN.NS) - Dark Pool Volume - vinanet.vn

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Google News Sat, 12 Aug 2017

VIJIFIN Stock Price and Chart — NSE:VIJIFIN - TradingView

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VIJIFIN — Frequently Asked Questions

What is the current share price of Viji Finance Limited (VIJIFIN)?

As of 2026-09-20 09:43 IST, Viji Finance Limited (VIJIFIN) trades at ₹16.58 on NSE. Its 52-week range is ₹2.01 to ₹16.58.

What is the market capitalisation of VIJIFIN?

Viji Finance Limited (VIJIFIN) has a market capitalisation of ₹383.00 Cr on NSE.

What is the P/E ratio of VIJIFIN?

VIJIFIN trades at a trailing price-to-earnings (P/E) ratio of 72.09. The industry average P/E is 17.40. Its price-to-book (P/B) ratio is 9.95.

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.

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