Viji Finance Ltd Stock Analysis

BSE: 537820 | NSE: VIJIFIN | Finance - NBFC | Small Cap

BSE Share Price May 16, 18:01
3.60 -0.05 (-1.37%)

DeciZen - Make an Informed Decision on Viji Finance

M-Cap below 100cr DeciZen not available


1. Is Viji Finance Ltd a good quality company?

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

2. Is Viji Finance Ltd undervalued or overvalued?

The key valuation ratios of Viji Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is Viji Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Viji Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Viji Finance:

Analysis of Financial Track Record

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.
Viji Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Operating Income (₹ Cr.)
YoY Gr. Rt. %-NA113.1%1.5%0.8%21.1%43.5%-23.8%-43.8%-7.1%-
Adj EPS (₹ )
YoY Gr. Rt. %-9.1%-41.7%0%-42.9%75%142.9%-76.5%-50%150%-
BVPS (₹ )0.90.91111.
YoY Gr. Rt. %-4.7%8.9%4.1%1%5.8%15.6%2.4%1.6%3.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)


CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNA-7.1%-26.4%-7.1%
Adj EPS-8.4%4.6%-33.5%150%
Share Price - -7.6% 66.5% 275%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
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-
Net Profit Margin (%)063.744.245.225.937.761.519.214.44845.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)13.113.510.47.34.1714.73.21.343.7

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 3.60%

Total Income has declined -0.88 CAGR in last 3 years

Net Profit has declined -33.50 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Viji Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.1 0
TTM Sales (₹ Cr.) 0.9 0.9
BVPS (₹.) 1.4 1.4
Reserves (₹ Cr.) 3 3
P/BV 2.61 2.46
PE 80.95 78.39
From the Market
52 Week Low / High (₹) 0.88 / 7.02
All Time Low / High (₹) 0.19 / 20.27
Market Cap (₹ Cr.) 30.1
Equity (₹ Cr.) 8.3
Face Value (₹) 1
Industry PE 28.4

Management X-Ray of Viji Finance :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *6.796.796.996.996.996.996.996.996.990.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes


About Viji Finance Ltd

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