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Financial Services | Small Cap
Health Score : 6.91Viji Finance Ltd. presents a mixed financial health profile. On the positive side, the company is highly profitable, effectively turning its sales into profit, and maintains a very strong and safe long-term financial structure with low levels of debt. It also has a large cushion of assets to cover its immediate financial obligations, indicating low short-term risk. However, there are significant areas of concern. The company is currently not generating cash from its core business operations, which is a notable risk. Despite strong revenue growth, this has not translated into higher net profits or earnings for shareholders, which have been declining. Furthermore, the company appears inefficient in using its assets to generate sales. The future outlook depends on its ability to convert its top-line growth and asset base into actual cash flow and bottom-line profit for its investors.
Health Score : 6.91Viji Finance Ltd. presents a mixed financial health profile. On the positive side, the company is highly profitable, effectively turning its sales into profit, and maintains a very strong and safe long-term financial structure with low levels of debt. It also has a large cushion of assets to cover its immediate financial obligations, indicating low short-term risk. However, there are significant areas of concern. The company is currently not generating cash from its core business operations, which is a notable risk. Despite strong revenue growth, this has not translated into higher net profits or earnings for shareholders, which have been declining. Furthermore, the company appears inefficient in using its assets to generate sales. The future outlook depends on its ability to convert its top-line growth and asset base into actual cash flow and bottom-line profit for its investors.
Overall Valuation Score
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Last Traded Time
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Price Movement Indicator
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P/E RATIO (TTM)
111.71
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
1564.00
P/B RATIO
18.40
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
160.93
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
-98.99
EV/EBITDA RATIO
396.54
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹15.64 as on Sep 1, 2026.
Growth Score : 6.00The company exhibits strong expansion in its core business activities, with significant increases in revenue, operating profit, and its overall asset base. This indicates successful market penetration or business expansion. However, this top-line growth has not translated into increased profitability for shareholders. Both earnings per share and net income have shown a negative trend, suggesting that despite growing the business, the final profit is shrinking, which is a key area of concern for investors.
Revenue Growth RatePoorOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoor
Asset Growth RateGoodNet Income Growth RatePoor| Growth Ratios | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -43.75 | -5.05 | 29.79 | 71.31 | -33.97 |
| Operating Profit Growth Rate | -68.06 | 178.26 | -18.75 | 82.69 | -52.63 |
| Earnings Per Share (EPS) Growth | -50 | 200 | 0 | 0 | -66.67 |
| Asset Growth Rate | 4.78 | -1.56 | 10.86 | 29.15 | 12.46 |
| Net Income Growth Rate | -60.61 | 246.15 | -2.22 | -2.27 | -67.44 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Lakshmi Finance & Industrial Corporation Ltd | 8.73 | -56.12 | Neutral | -1.07 | -2.38 | -0.71 |
| 2 | ICDS Ltd | 8.63 | 40.77 | Highly Overvalued | 0.27 | 0.36 | 1.09 |
| 3 | Hybrid Financial Services Ltd | 8.50 | 18.43 | Neutral | 1.71 | 0.55 | 2.70 |
| 4 | KJMC Financial Services | 7.39 | N/A | N/A | 3.60 | 4.56 | 2.41 |
| 5 | Viji Finance Ltd | 6.91 | 1564.00 | Highly Overvalued | 0.45 | 0.14 | 0.14 |
| 6 | HB Stockholdings Ltd | 5.13 | -3.17 | Neutral | -13.00 | -15.12 | -11.00 |
| 7 | Williamson Magor & Company Ltd | 3.80 | -0.14 | Highly Undervalued | -273.00 | -1.15 | -181.00 |
| 8 | Gujarat Lease Financing Ltd | 3.63 | -49.42 | Highly Undervalued | -0.30 | 0.02 | -0.32 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Annual Report⬤8th Dec 25
Annual Report for the Financial Year 2024-25
BULLISH SENTIMENT
No Stock News Available at This Moment.
Viji Finance Ltd is a Non-Banking Financial Company (NBFC) engaged primarily in investment activities and providing financial services. The company focuses on offering loans and advances, managing an investment portfolio, and participating in trading of securities within the Indian capital markets to generate income.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Viji Finance Ltd's P/E ratio (TTM) is 111.71, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Viji Finance Ltd's P/B ratio is 18.40, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Viji Finance Ltd's P/S ratio is 160.93, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Viji Finance Ltd's PEG ratio is -98.99.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Viji Finance Ltd's EV/EBITDA ratio is 396.54.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Viji Finance Ltd's ROE is 1.15%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Viji Finance Ltd's ROA is 1.77%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Viji Finance Ltd's ROCE is 1.41%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Viji Finance Ltd's operating margin is 32.61%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Viji Finance Ltd's net margin is 10.14%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Viji Finance Ltd's current ratio is 20.78.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Viji Finance Ltd's debt-to-equity ratio is 1.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Viji Finance Ltd's interest coverage ratio is 2.29.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Viji Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Viji Finance Ltd's EPS is -66.67.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹15.64. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1994
Headquarters: Mumbai, Maharashtra
Core Offerings: Investment activities, Loans and advances, Trading in securities, Financial services
Stock Listing: NSE (VIJIFIN), BSE (537820)
Promoter: Viji P Nair and Associates
Viji Finance Ltd was incorporated in 1994 to operate as a Non-Banking Financial Company. Since its inception, the company has primarily focused on financial and investment activities, building a portfolio of investments and extending various forms of financial assistance. Its journey has been characterized by strategic participation in the capital markets.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Financial Activities | 100% | Operating Profit |
Financial Activities: Primarily involved in providing loans, advances, and making strategic investments in listed and unlisted securities to generate interest and dividend income.
Investment Portfolio Management: Actively manages a diverse portfolio of equity and debt instruments with the objective of capital appreciation and recurring income generation.
Viji P Nair (Chairperson & Managing Director): A key figure in the company's leadership, Ms. Nair brings experience in financial market operations and guides the strategic and operational aspects of the NBFC.
No major subsidiaries reported.
No major recent corporate actions on record.
The Viji Finance Ltd share price today is ₹15.64 on NSE (VIJIFIN), as of 28 Sept 2026.
As of 28 Sept 2026, Viji Finance Ltd share price is ₹15.64, with previous close ₹15.64. Today's range is ₹15.64 to ₹15.64. The 52-week range is ₹2.01 to ₹17.24.
As of today, Viji Finance Ltd's market cap is ₹222.09 crore (Small Cap).
Viji Finance Ltd's current P/E ratio is 111.71, compared to the BANKING AND FINANCE sector average of 30.20.
Viji Finance Ltd's current P/B ratio is 18.40.
Viji Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Viji Finance Ltd's EPS (TTM) is ₹-66.67.
Viji Finance Ltd is a Non-Banking Financial Company (NBFC) engaged primarily in investment activities and providing financial services. The company focuses on offering loans and advances, managing an investment portfolio, and participating in trading of securities within the Indian capital markets to generate income.
Viji Finance Ltd is promoted by Viji P Nair and Associates, holding 47.68% as of 28 Sept 2026.
Viji Finance Ltd is listed on NSE (VIJIFIN) and BSE (537820). Its next quarterly results are expected on August 2024 (Q1 FY25).