Growth Ratio Summary

Growth Score : 2.00

Viji Finance Ltd faces significant challenges in growth, with negative revenue growth, operating profit growth, EPS growth, asset growth, and net income growth rates. These negative growth rates indicate a decline in the company's performance across various dimensions. This could be due to increased competition, changing market conditions, or internal inefficiencies. Viji Finance needs to address these issues to regain its growth trajectory and improve its long-term prospects.

Financial Ratio Summary

Financial Score : 4.00

Viji Finance Ltd shows a mixed performance in its financial ratios. Adjusted EPS and book value per share are low, suggesting limited profitability and asset value per share. Cash EPS is slightly better, indicating some cash generation capacity. The company does not pay dividends, resulting in a zero DPS. However, capital expenditures are high, reflecting significant investments in its operations. Overall, Viji Finance's financial ratios highlight the need to improve profitability and asset value while continuing to invest in its business.

Profitability Ratio Summary

Profitability Score : 9.20

Viji Finance Ltd demonstrates strong profitability, with high gross profit margin, ROCE, ROE, operating margin, and net margin. However, the return on assets is low, suggesting inefficient asset utilization. Overall, Viji Finance's profitability ratios indicate that the company is generating substantial profits from its operations, but it needs to improve its asset management to maximize its returns.

Efficiency Ratio Summary

Efficiency Score : 5.33

The efficiency ratios for Viji Finance Ltd are varied. The fixed asset turnover and capital turnover ratios are low, indicating inefficient utilization of fixed assets and capital. However, days sales in inventory and receivable days are high, suggesting effective inventory and receivables management. The receivables turnover ratio is average, reflecting a moderate ability to collect receivables. Overall, Viji Finance needs to improve its asset utilization to enhance efficiency, but its inventory and receivables management are strengths.

Coverage Ratio Summary

Coverage Score : 4.40

Viji Finance Ltd has an average interest coverage ratio, indicating an adequate ability to cover its interest expenses with its earnings. However, the equity dividend coverage ratio is zero, suggesting the company does not have sufficient earnings to cover potential dividend payments. While the company can comfortably meet its interest obligations, the lack of dividend coverage may deter investors seeking regular income. Overall, Viji Finance's coverage ratios reflect a stable but not exceptional position.

Solvency Ratio Summary

Solvency Score : 8.50

Viji Finance Ltd demonstrates strong solvency, characterized by a low debt ratio and debt-to-equity ratio, indicating prudent use of leverage. However, the equity ratio is relatively low, suggesting that the company relies more on debt than equity to finance its assets. The debt-to-asset ratio is also low, reinforcing the company's ability to meet its long-term obligations. Overall, Viji Finance maintains a stable financial structure, but there is room to improve the balance between debt and equity to enhance its financial resilience.

Liquidity Ratio Summary

Liquidity Score : 6.72

Viji Finance Ltd demonstrates strong liquidity, with high current and quick ratios, indicating a robust ability to meet short-term obligations. However, the low cash ratio suggests that the company relies more on current assets other than cash to cover immediate liabilities. Additionally, the negative operating cash flow ratio raises concerns about the company's ability to generate cash from its operations. While the high current and quick ratios provide a buffer, the company needs to improve its cash management and operational efficiency to ensure sustained liquidity.