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VJTF Eduservices Ltd (509026)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 509026 NSE: Finance - NBFC | Small Cap | VJTF Eduservices Share Price

₹62.97 8.36 (15.31%)

As on 30-Jun'26 16:59

VJTF Eduservices Ltd (509026)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 509026 NSE: Finance - NBFC | Small Cap | VJTF Eduservices Share Price

₹62.97 8.36 (15.31%)

As on 30-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹96 Cr.
Current Price
₹63
52-Week Low / High
₹55 / 128
TTM EPS
₹-0.5
Book Value per Share
₹48.5
P/E Ratio
0.00
Lower than its 5-year historical median
Industry PE
28.1
Price to Book (P/B)
1.12
Lower than its 5-year historical median
EV/EBITDA
-116.69
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
8.16%
Return on Capital Employed (ROCE)
8.98%
Return on Assets (ROA)
5.22%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
417.97%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
9.55%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹3 Cr.
Reserves
₹68 Cr.
Equity
₹17.6 Cr.
Face Value
₹10
All Time Low / High
₹8.40 / 158.40

VJTF Eduservices stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is VJTF Eduservices Ltd a good quality company?
VJTF Eduservices Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does VJTF Eduservices Ltd performance compare with that of its Peers?
Q.1 AUM Growth of VJTF Eduservices Ltd vs Industry Peers?
VJTF Eduservices Ltd AUM CAGR is 5.18%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of VJTF Eduservices Ltd?
Promoters hold 74.01% of the VJTF Eduservices Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of VJTF Eduservices Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 4.3% based on the current price.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
VJTF Eduservices Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)20.213.814.216.214.557.50514.33
YoY Gr. Rt. %--31.8%3.3%13.6%-10.2%-65.5%49.3%-100%NA185.1%-
Adj EPS (₹ ) 0.50.30.8-0.5-2.6-2.80.20.2353.8-0.5
YoY Gr. Rt. %--34%133.3%-164.9%NANANA-21.1%23206.7%-89.2%-
BVPS (₹ )10.212.613.412.910.37.57.8844.448.648.5
YoY Gr. Rt. %-23.7%6.4%-3.4%-20%-27.2%3.3%3.2%453.4%9.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.40.92.1-1.4-6.3-60.50.342.85.20

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-3.8%-0.4%24.1%185.1%
Adj EPS25.2%NA171.2%-89.2%
BVPS19%36.3%84.3%9.6%
Share Price 1.6% 3% -3.6% -31.7%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)4.44.29.5-5.4-31.5-99.24.501228.746.8-28
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)5.12.95.9-3.8-22.4-31.62.51.9133.48.2-1

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 21.3217.3823.1819.0918.649.6013.460.365.6318.46
Interest Income20.2213.7914.2516.1814.535.017.4805.0114.28
Other Income 0.900.100.870.100.040.530.2901.410.12
Exceptional Items 1.113.598.942.904.114.595.990.360.634.18
Expenditure + 19.7816.3222.3919.9422.7514.9213.260.106.4710.74
Interest Expense 2.551.914.8546.984.914.440.012.451.02
Operating Expenses 16.3214.3116.6715.8415.739.488.530.092.619.60
Provisions 0.900.100.870.100.040.530.2901.410.12
Exceptional Items 0000000084.230
Profit Before Tax 1.551.060.80-0.86-4.12-5.320.200.2683.397.72
Taxes 0.660.49-0.560.020.46-0.35-0.13021.851.05
Profit After Tax 0.890.581.35-0.88-4.58-4.970.330.2661.536.68
Adjusted EPS (₹)0.50.30.8-0.5-2.6-2.80.20.235.03.8
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of VJTF Eduservices - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +17.8622.1123.5222.7118.1813.2413.6714.1278.1185.57
Share Capital 17.6017.6017.6017.6017.6017.6017.6017.6017.6017.60
Reserves 0.264.515.925.110.58-4.36-3.93-3.4860.5167.97
Short term borrowings02.3014.3210.623.552.891.1634.8629.480.26
Long Term Borrowings22.2113.3510.258.8133.6733.5731.2932.790.310.98
Current Liabilities 22.2630.5528.8427.8735.1430.9821.7196.5465.6625.16
Trade Payables0.630.390.530.911.432.241.141.500.320.18
Other Liabilities-0.63-2.69-14.85-11.54-4.98-5.12-2.30-36.36-29.80-0.44
Total Liabilities 62.3466.0162.6259.4086.9977.8066.67143.46144.08111.71

Assets

Non Current Asset +46.5149.9438.6043.8370.1268.6046.7960.7314.5119.51
Loan Asset 0000000000
Other Non Current Asset 46.5149.9438.6043.8370.1268.6046.7960.7314.5119.51
Current Asset +15.8316.0724.0215.5616.879.2019.8882.72129.5792.19
Current Investment00.7400000053.8211.38
Other Current Asset15.8315.3324.0215.5616.879.2019.8882.7275.7580.81
Total Assets 62.3466.0162.6259.4086.9977.8066.67143.46144.08111.71

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -13.77-7.40-5.97-2.2919.60-4.9615.2935.64-56.33-9.30
Cash Flow From Investing Activity 17.168.572.787.130.437.96-8.85-66.8276.1250.14
Cash Flow From Financing Activity -4.68-0.181.36-5.25-20.14-2.98-5.2329.94-19.93-30.50
Net Cash Flow -1.290.99-1.83-0.41-0.110.021.20-1.24-0.1310.33

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.500.300.80-0.50-2.60-2.800.200.20353.80
DPS (₹)0000000000
BVPS (₹)10.212.613.412.910.37.57.8844.448.6

Performance Ratios

ROA (%)1.40.92.1-1.4-6.3-6.00.50.342.85.2
ROE (%)5.12.95.9-3.8-22.4-31.62.51.9133.48.2
ROCE (%)13.59.113.87.07.7-1.519.90.7104.09.0

Valuation Parameters

Price/Book(x)5.44.04.84.80.07.37.78.23.11.7

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

VJTF Eduservices Ltd FAQs

The current trading price of VJTF Eduservices on 30-Jun-2026 16:59 is ₹62.97.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 29-Jun-2026 the market cap of VJTF Eduservices stood at ₹96.11 Cr

The latest P/E ratio of VJTF Eduservices as of 29-Jun-2026 is 0.00.

The latest P/B ratio of VJTF Eduservices as of 29-Jun-2026 is 1.12.

The 52-week high of VJTF Eduservices is ₹128.0 and the 52-week low is ₹54.61.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of VJTF Eduservices is ₹2.95 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that VJTF Eduservices Ltd is a below average quality company.

The key valuation ratios of VJTF Eduservices Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of VJTF Eduservices Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About VJTF Eduservices Ltd

Artheon Finance was incorporated in the year 1984. Formerly known as Salora Finance, it got its present name on October 09, 2007. The registered office of the company is located at Worli, Mumbai.

Business area of the Company:-

Artheon Finance provides professional consultancy services and deals in share broking. It generates income from offering fee-based advisory services, sale of shares and securities, dividend and interest.

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