Viji Finance Ltd.

•

₹ 13.651.94%

2026-08-21

vijifinance.comBSE: 537820NSE: VIJIFIN

Market Cap₹ 298 Cr.

Current Price₹ 14

High / Low₹ 13 / 2

Stock P/E0.0

Book Value₹ 2

Price to Book1.71

Dividend Yield0.00 %

ROCE10.2 %

ROE8.8 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2020 • Finance: 99.0% • Realities: 1.0%

PROS

Solid return on assets for a lender - ROA of 5.8%
Operating margins have improved to 68.2% from 55.3%
Stock looks reasonably valued - P/E of 20.3 is below its historical median

CONS

Promoter holding has decreased over last 2 years: -11.7pp
Company has a low return on capital employed of 4.9%
Company has a low return on equity of 3.6% over last 3 years
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJFINANCE	1095.15	33.58	681835.39	0.55	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1125.05	23.39	264722.41	0.96	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1910.00	28.36	163126.61	0.10	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	JIOFIN	244.95	78.27	161743.95	0.24	830.25	155.73	2004.47	227.28	2.11	69.71
5.	TATACAP	365.60	28.72	155192.41	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11353.35	14.27	126355.42	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2972.00	10.49	119316.43	1.01	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	408.00	27.21	111671.47	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.90	24.80	78915.38	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	646.05	0.00	61480.86	0.39	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	691.85	26.41	57468.10	0.58	785.20	38.31	4937.90	18.71	9.09	57.98
12.	VIJIFIN	13.48	2158.75	297.91	0.00	0.03	196.30	0.51	48.26	10.23	37.25

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	0	0	1	1	1	1	1	1	1	1	2	2	1
	0	0	0	0	0	1	1	0	1	1	0	0	1
Operating Profit	—	—	—	—	—	—	—	—	—	—	—	—	—
OPM %	—	—	—	—	—	—	—	—	—	—	—	—	—
Other Income	0	0	0	0	0	0	0	0	0	0	-0	0	1
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	0	0	0	0	-0	-0	-0	1	-0	-0	1	2	2
Tax %	20.00%	28.57%	25.00%	—	28.57%	14.29%	-0.00%	6.85%	-0.00%	-0.00%	15.18%	-9.69%	25.64%
Net Profit	0	0	0	0	-0	-0	-0	1	-0	-0	1	2	1
	0	0	0	0	-0	-0	-0	0	-0	-0	0	0	0
Equity Capital	8	8	8	8	8	14	14	14	14	14	14	14	17
Reserves	0	0	0	0	0	0	0	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Equity Capital	8	8	8	8	8	14	14	14	14	14	14	14	17
Reserves	0	0	0	0	0	0	0	0	0	0	0	0	0
Promoter Pledge %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Jun 2023

: 0
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 20.00%
Net Profit: 0
: 0
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2023

: 0
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 28.57%
Net Profit: 0
: 0
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2023

: 1
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 25.00%
Net Profit: 0
: 0
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2024

: 1
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: —
Net Profit: 0
: 0
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2024

: 1
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: 28.57%
Net Profit: -0
: -0
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 8
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2024

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: 14.29%
Net Profit: -0
: -0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2024

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: -0.00%
Net Profit: -0
: -0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2025

: 1
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 6.85%
Net Profit: 1
: 0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2025

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: -0.00%
Net Profit: -0
: -0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Sep 2025

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: -0
Tax %: -0.00%
Net Profit: -0
: -0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Dec 2025

: 2
: 0
Operating Profit: —
OPM %: —
Other Income: -0
Interest: 0
Depreciation: 0
: 1
Tax %: 15.18%
Net Profit: 1
: 0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Mar 2026

: 2
: 0
Operating Profit: —
OPM %: —
Other Income: 0
Interest: 0
Depreciation: 0
: 2
Tax %: -9.69%
Net Profit: 2
: 0
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 14
Reserves: 0
Promoter Pledge %: 0.00%

Jun 2026

: 1
: 1
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 0
Depreciation: 0
: 2
Tax %: 25.64%
Net Profit: 1
: 0
Equity Capital: 17
Reserves: 0
Promoter Pledge %: 0.00%
Equity Capital: 17
Reserves: 0
Promoter Pledge %: 0.00%

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	2	2	2	1	1	1	2	2	2	5	5
	1	0	1	1	0	1	1	1	2	2	1
Operating Profit	1	2	1	0	1	1	1	1	1	4	—
OPM %	66	86	44	28	74	52	55	40	48	71	—
Other Income	0	0	0	0	0	0	0	0	1	0	1
Interest	0	0	0	0	0	0	0	0	1	1	1
Depreciation	0	0	0	0	0	0	0	0	0	0	0
	1	2	1	0	1	0	1	0	0	3	5
Tax %	36	25	50	27	26	11	28	40	22	25	8
Net Profit	1	1	0	0	0	0	0	0	0	2	4
EPS	0	0	0	0	0	0	0	0	0	0	—
Dividend Payout %	12	6	0	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	0	0	0	0	0	0	0	0	0	0	—
Minority Interest	0	0	0	0	0	0	0	0	0	0	0
Share of Associates	0	0	0	0	0	0	0	0	0	0	0
Adjusted EPS	0	0	0	0	0	0	0	0	0	0	—

Mar 2017

: 2
: 1
Operating Profit: 1
OPM %: 66
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 36
Net Profit: 1
EPS: 0
Dividend Payout %: 12
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2018

: 2
: 0
Operating Profit: 2
OPM %: 86
Other Income: 0
Interest: 0
Depreciation: 0
: 2
Tax %: 25
Net Profit: 1
EPS: 0
Dividend Payout %: 6
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2019

: 2
: 1
Operating Profit: 1
OPM %: 44
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 50
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2020

: 1
: 1
Operating Profit: 0
OPM %: 28
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 27
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2021

: 1
: 0
Operating Profit: 1
OPM %: 74
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 26
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2022

: 1
: 1
Operating Profit: 1
OPM %: 52
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 11
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2023

: 2
: 1
Operating Profit: 1
OPM %: 55
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 28
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2024

: 2
: 1
Operating Profit: 1
OPM %: 40
Other Income: 0
Interest: 0
Depreciation: 0
: 0
Tax %: 40
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2025

: 2
: 2
Operating Profit: 1
OPM %: 48
Other Income: 1
Interest: 1
Depreciation: 0
: 0
Tax %: 22
Net Profit: 0
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2026

: 5
: 2
Operating Profit: 4
OPM %: 71
Other Income: 0
Interest: 1
Depreciation: 0
: 3
Tax %: 25
Net Profit: 2
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

TTM

: 5
: 1
Operating Profit: —
OPM %: —
Other Income: 1
Interest: 1
Depreciation: 0
: 5
Tax %: 8
Net Profit: 4
EPS: —
Dividend Payout %: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: —

COMPOUNDED SALES GROWTH

10 Years:: 14%
5 Years:: 41%
3 Years:: 35%

COMPOUNDED PROFIT GROWTH

10 Years:: 19%
5 Years:: 35%
3 Years:: 65%

STOCK PRICE CAGR

10 Years:: 9%
5 Years:: 61%
3 Years:: 93%
1 Year:: 268%

RETURN ON EQUITY

10 Years:: 5%
5 Years:: 4%
3 Years:: 4%
Last Year:: 9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
LIABILITIES	-	-	-	-	-	-	-	-	-	-
Equity Capital	8	8	8	8	8	8	8	8	14	14
	1	2	2	3	3	3	4	4	7	9
	2	3	3	4	3	4	8	12	11	5
	1	1	1	1	1	2	3	3	3	5
Total Liabilities	12	14	15	16	16	18	23	27	35	34
ASSETS	-	-	-	-	-	-	-	-	-	-
	0	0	0	0	0	1	2	2	2	1
	0	0	0	0	0	0	0	0	0	2
Cash & Bank	1	0	0	0	1	0	0	0	5	0
	11	13	14	15	15	17	20	24	28	30
Total Assets	12	14	15	16	16	18	23	27	35	34
Total Debt	3	3	4	4	4	5	9	13	13	7
Net Working Capital	-2	-3	-3	-5	-4	-5	-9	-12	-7	-8
Contingent Liabilities	0	0	0	0	0	0	0	0	0	0
Book Value per Share	1.20	1.26	1.29	1.31	1.36	1.41	1.47	1.48	1.50	1.64
Face Value	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00
Total Debt	3	3	4	4	4	5	9	13	13	7
Net Working Capital	-2	-3	-3	-5	-4	-5	-9	-12	-7	-8
Contingent Liabilities	0	0	0	0	0	0	0	0	0	0
Book Value per Share	1.20	1.26	1.29	1.31	1.36	1.41	1.47	1.48	1.50	1.64
Face Value	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00

Mar 2017

Equity Capital: 8
: 1
: 2
: 1
Total Liabilities: 12
: 0
: 0
Cash & Bank: 1
: 11
Total Assets: 12
Total Debt: 3
Net Working Capital: -2
Contingent Liabilities: 0
Book Value per Share: 1.20
Face Value: 1.00
Total Debt: 3
Net Working Capital: -2
Contingent Liabilities: 0
Book Value per Share: 1.20
Face Value: 1.00

Mar 2018

Equity Capital: 8
: 2
: 3
: 1
Total Liabilities: 14
: 0
: 0
Cash & Bank: 0
: 13
Total Assets: 14
Total Debt: 3
Net Working Capital: -3
Contingent Liabilities: 0
Book Value per Share: 1.26
Face Value: 1.00
Total Debt: 3
Net Working Capital: -3
Contingent Liabilities: 0
Book Value per Share: 1.26
Face Value: 1.00

Mar 2019

Equity Capital: 8
: 2
: 3
: 1
Total Liabilities: 15
: 0
: 0
Cash & Bank: 0
: 14
Total Assets: 15
Total Debt: 4
Net Working Capital: -3
Contingent Liabilities: 0
Book Value per Share: 1.29
Face Value: 1.00
Total Debt: 4
Net Working Capital: -3
Contingent Liabilities: 0
Book Value per Share: 1.29
Face Value: 1.00

Mar 2020

Equity Capital: 8
: 3
: 4
: 1
Total Liabilities: 16
: 0
: 0
Cash & Bank: 0
: 15
Total Assets: 16
Total Debt: 4
Net Working Capital: -5
Contingent Liabilities: 0
Book Value per Share: 1.31
Face Value: 1.00
Total Debt: 4
Net Working Capital: -5
Contingent Liabilities: 0
Book Value per Share: 1.31
Face Value: 1.00

Mar 2021

Equity Capital: 8
: 3
: 3
: 1
Total Liabilities: 16
: 0
: 0
Cash & Bank: 1
: 15
Total Assets: 16
Total Debt: 4
Net Working Capital: -4
Contingent Liabilities: 0
Book Value per Share: 1.36
Face Value: 1.00
Total Debt: 4
Net Working Capital: -4
Contingent Liabilities: 0
Book Value per Share: 1.36
Face Value: 1.00

Mar 2022

Equity Capital: 8
: 3
: 4
: 2
Total Liabilities: 18
: 1
: 0
Cash & Bank: 0
: 17
Total Assets: 18
Total Debt: 5
Net Working Capital: -5
Contingent Liabilities: 0
Book Value per Share: 1.41
Face Value: 1.00
Total Debt: 5
Net Working Capital: -5
Contingent Liabilities: 0
Book Value per Share: 1.41
Face Value: 1.00

Mar 2023

Equity Capital: 8
: 4
: 8
: 3
Total Liabilities: 23
: 2
: 0
Cash & Bank: 0
: 20
Total Assets: 23
Total Debt: 9
Net Working Capital: -9
Contingent Liabilities: 0
Book Value per Share: 1.47
Face Value: 1.00
Total Debt: 9
Net Working Capital: -9
Contingent Liabilities: 0
Book Value per Share: 1.47
Face Value: 1.00

Mar 2024

Equity Capital: 8
: 4
: 12
: 3
Total Liabilities: 27
: 2
: 0
Cash & Bank: 0
: 24
Total Assets: 27
Total Debt: 13
Net Working Capital: -12
Contingent Liabilities: 0
Book Value per Share: 1.48
Face Value: 1.00
Total Debt: 13
Net Working Capital: -12
Contingent Liabilities: 0
Book Value per Share: 1.48
Face Value: 1.00

Mar 2025

Equity Capital: 14
: 7
: 11
: 3
Total Liabilities: 35
: 2
: 0
Cash & Bank: 5
: 28
Total Assets: 35
Total Debt: 13
Net Working Capital: -7
Contingent Liabilities: 0
Book Value per Share: 1.50
Face Value: 1.00
Total Debt: 13
Net Working Capital: -7
Contingent Liabilities: 0
Book Value per Share: 1.50
Face Value: 1.00

Mar 2026

Equity Capital: 14
: 9
: 5
: 5
Total Liabilities: 34
: 1
: 2
Cash & Bank: 0
: 30
Total Assets: 34
Total Debt: 7
Net Working Capital: -8
Contingent Liabilities: 0
Book Value per Share: 1.64
Face Value: 1.00
Total Debt: 7
Net Working Capital: -8
Contingent Liabilities: 0
Book Value per Share: 1.64
Face Value: 1.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1	-0	-1	-0	1	-1	-2	-4	-3	2
Cash from Investing	-0	-0	-0	0	-0	-1	-2	0	-0	-2
Cash from Financing	1	0	1	0	-0	1	4	4	8	-5
	0	-0	-0	0	0	-0	0	0	5	-5
Free Cash Flow	-1	-0	-1	-0	1	-2	-4	-4	-3	2
OCF / Net Profit	-1.67	-0.28	-2.03	-3.25	1.65	-2.38	-5.60	-34.55	-17.07	1.11
Cumulative 5-Year FCF	0	0	0	0	-2	-2	-7	-10	-12	-11
OCF / Net Profit	-1.67	-0.28	-2.03	-3.25	1.65	-2.38	-5.60	-34.55	-17.07	1.11
Cumulative 5-Year FCF	0	0	0	0	-2	-2	-7	-10	-12	-11

Mar 2017

: -1
Cash from Investing: -0
Cash from Financing: 1
: 0
Free Cash Flow: -1
OCF / Net Profit: -1.67
Cumulative 5-Year FCF: 0
OCF / Net Profit: -1.67
Cumulative 5-Year FCF: 0

Mar 2018

: -0
Cash from Investing: -0
Cash from Financing: 0
: -0
Free Cash Flow: -0
OCF / Net Profit: -0.28
Cumulative 5-Year FCF: 0
OCF / Net Profit: -0.28
Cumulative 5-Year FCF: 0

Mar 2019

: -1
Cash from Investing: -0
Cash from Financing: 1
: -0
Free Cash Flow: -1
OCF / Net Profit: -2.03
Cumulative 5-Year FCF: 0
OCF / Net Profit: -2.03
Cumulative 5-Year FCF: 0

Mar 2020

: -0
Cash from Investing: 0
Cash from Financing: 0
: 0
Free Cash Flow: -0
OCF / Net Profit: -3.25
Cumulative 5-Year FCF: 0
OCF / Net Profit: -3.25
Cumulative 5-Year FCF: 0

Mar 2021

: 1
Cash from Investing: -0
Cash from Financing: -0
: 0
Free Cash Flow: 1
OCF / Net Profit: 1.65
Cumulative 5-Year FCF: -2
OCF / Net Profit: 1.65
Cumulative 5-Year FCF: -2

Mar 2022

: -1
Cash from Investing: -1
Cash from Financing: 1
: -0
Free Cash Flow: -2
OCF / Net Profit: -2.38
Cumulative 5-Year FCF: -2
OCF / Net Profit: -2.38
Cumulative 5-Year FCF: -2

Mar 2023

: -2
Cash from Investing: -2
Cash from Financing: 4
: 0
Free Cash Flow: -4
OCF / Net Profit: -5.60
Cumulative 5-Year FCF: -7
OCF / Net Profit: -5.60
Cumulative 5-Year FCF: -7

Mar 2024

: -4
Cash from Investing: 0
Cash from Financing: 4
: 0
Free Cash Flow: -4
OCF / Net Profit: -34.55
Cumulative 5-Year FCF: -10
OCF / Net Profit: -34.55
Cumulative 5-Year FCF: -10

Mar 2025

: -3
Cash from Investing: -0
Cash from Financing: 8
: 5
Free Cash Flow: -3
OCF / Net Profit: -17.07
Cumulative 5-Year FCF: -12
OCF / Net Profit: -17.07
Cumulative 5-Year FCF: -12

Mar 2026

: 2
Cash from Investing: -2
Cash from Financing: -5
: -5
Free Cash Flow: 2
OCF / Net Profit: 1.11
Cumulative 5-Year FCF: -11
OCF / Net Profit: 1.11
Cumulative 5-Year FCF: -11

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
PER SHARE	-	-	-	-	-	-	-	-	-	-
EPS (₹)	0.08	0.17	0.04	0.02	0.05	0.05	0.05	0.01	0.01	0.14
Book Value (₹)	1.20	1.26	1.29	1.31	1.36	1.41	1.47	1.48	1.50	1.64
Dividend per Share (₹)	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.06	0.13	0.03	0.02	0.04	0.05	0.07	0.04	0.04	0.16
PROFITABILITY	-	-	-	-	-	-	-	-	-	-
Operating Margin %	66.09%	86.11%	43.94%	28.16%	74.10%	52.11%	55.34%	39.98%	21.83%	68.16%
Net Margin %	37.74%	61.53%	19.21%	14.35%	48.01%	36.20%	21.12%	6.24%	7.26%	38.86%
ROE %	6.96%	14.68%	3.21%	1.33%	4.02%	3.86%	3.71%	0.99%	1.00%	8.82%
ROCE %	9.63%	15.78%	5.29%	1.58%	4.30%	3.58%	4.26%	1.77%	2.61%	10.23%
	5.49%	10.96%	2.34%	0.92%	2.80%	2.65%	2.19%	0.49%	0.55%	5.75%
EFFICIENCY	-	-	-	-	-	-	-	-	-	-
Debtor Days	0	0	55	55	12	0	0	0	0	0
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	0
	0	0	55	55	12	0	0	0	0	0
FINANCIAL HEALTH	-	-	-	-	-	-	-	-	-	-
Debt to Equity (x)	0.29x	0.26x	0.33x	0.36x	0.32x	0.40x	0.76x	1.09x	0.59x	0.31x
Interest Coverage (x)	14.38x	50.69x	14.88x	7.00x	16.36x	9.16x	4.12x	1.93x	1.39x	4.98x
	0.27x	0.14x	0.18x	0.06x	0.15x	0.05x	0.04x	0.02x	0.45x	0.05x
GROWTH	-	-	-	-	-	-	-	-	-	-
Revenue Growth %	20.76%	43.83%	-23.97%	-43.70%	-6.94%	32.58%	70.80%	-7.64%	20.78%	118.56%
Operating Profit Growth %	54.50%	87.39%	-61.20%	-63.91%	144.84%	-6.76%	81.40%	-33.06%	45.93%	222.30%
Net Profit Growth %	76.11%	134.51%	-76.26%	-57.93%	211.24%	-0.02%	-0.34%	-72.70%	40.35%	1070.48%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-72.66%	-19.18%	1074.58%
VALUATION	-	-	-	-	-	-	-	-	-	-
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	161.16x	177.97x	20.27x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.16x	1.40x	1.71x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	51.18x	32.86x	12.90x

Mar 2017

EPS (₹): 0.08
Book Value (₹): 1.20
Dividend per Share (₹): 0.01
Cash EPS (₹): 0.06
Operating Margin %: 66.09%
Net Margin %: 37.74%
ROE %: 6.96%
ROCE %: 9.63%
: 5.49%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.29x
Interest Coverage (x): 14.38x
: 0.27x
Revenue Growth %: 20.76%
Operating Profit Growth %: 54.50%
Net Profit Growth %: 76.11%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2018

EPS (₹): 0.17
Book Value (₹): 1.26
Dividend per Share (₹): 0.01
Cash EPS (₹): 0.13
Operating Margin %: 86.11%
Net Margin %: 61.53%
ROE %: 14.68%
ROCE %: 15.78%
: 10.96%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.26x
Interest Coverage (x): 50.69x
: 0.14x
Revenue Growth %: 43.83%
Operating Profit Growth %: 87.39%
Net Profit Growth %: 134.51%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 0.04
Book Value (₹): 1.29
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.03
Operating Margin %: 43.94%
Net Margin %: 19.21%
ROE %: 3.21%
ROCE %: 5.29%
: 2.34%
Debtor Days: 55
Inventory Days: 0
Payable Days: 0
: 55
Debt to Equity (x): 0.33x
Interest Coverage (x): 14.88x
: 0.18x
Revenue Growth %: -23.97%
Operating Profit Growth %: -61.20%
Net Profit Growth %: -76.26%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2020

EPS (₹): 0.02
Book Value (₹): 1.31
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.02
Operating Margin %: 28.16%
Net Margin %: 14.35%
ROE %: 1.33%
ROCE %: 1.58%
: 0.92%
Debtor Days: 55
Inventory Days: 0
Payable Days: 0
: 55
Debt to Equity (x): 0.36x
Interest Coverage (x): 7.00x
: 0.06x
Revenue Growth %: -43.70%
Operating Profit Growth %: -63.91%
Net Profit Growth %: -57.93%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2021

EPS (₹): 0.05
Book Value (₹): 1.36
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.04
Operating Margin %: 74.10%
Net Margin %: 48.01%
ROE %: 4.02%
ROCE %: 4.30%
: 2.80%
Debtor Days: 12
Inventory Days: 0
Payable Days: 0
: 12
Debt to Equity (x): 0.32x
Interest Coverage (x): 16.36x
: 0.15x
Revenue Growth %: -6.94%
Operating Profit Growth %: 144.84%
Net Profit Growth %: 211.24%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2022

EPS (₹): 0.05
Book Value (₹): 1.41
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.05
Operating Margin %: 52.11%
Net Margin %: 36.20%
ROE %: 3.86%
ROCE %: 3.58%
: 2.65%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.40x
Interest Coverage (x): 9.16x
: 0.05x
Revenue Growth %: 32.58%
Operating Profit Growth %: -6.76%
Net Profit Growth %: -0.02%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2023

EPS (₹): 0.05
Book Value (₹): 1.47
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.07
Operating Margin %: 55.34%
Net Margin %: 21.12%
ROE %: 3.71%
ROCE %: 4.26%
: 2.19%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.76x
Interest Coverage (x): 4.12x
: 0.04x
Revenue Growth %: 70.80%
Operating Profit Growth %: 81.40%
Net Profit Growth %: -0.34%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2024

EPS (₹): 0.01
Book Value (₹): 1.48
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.04
Operating Margin %: 39.98%
Net Margin %: 6.24%
ROE %: 0.99%
ROCE %: 1.77%
: 0.49%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.09x
Interest Coverage (x): 1.93x
: 0.02x
Revenue Growth %: -7.64%
Operating Profit Growth %: -33.06%
Net Profit Growth %: -72.70%
: -72.66%
P/E (x): 161.16x
P/B (x): 2.16x
Dividend Yield %: 0.00%
: 51.18x

Mar 2025

EPS (₹): 0.01
Book Value (₹): 1.50
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.04
Operating Margin %: 21.83%
Net Margin %: 7.26%
ROE %: 1.00%
ROCE %: 2.61%
: 0.55%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.59x
Interest Coverage (x): 1.39x
: 0.45x
Revenue Growth %: 20.78%
Operating Profit Growth %: 45.93%
Net Profit Growth %: 40.35%
: -19.18%
P/E (x): 177.97x
P/B (x): 1.40x
Dividend Yield %: 0.00%
: 32.86x

Mar 2026

EPS (₹): 0.14
Book Value (₹): 1.64
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.16
Operating Margin %: 68.16%
Net Margin %: 38.86%
ROE %: 8.82%
ROCE %: 10.23%
: 5.75%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.31x
Interest Coverage (x): 4.98x
: 0.05x
Revenue Growth %: 118.56%
Operating Profit Growth %: 222.30%
Net Profit Growth %: 1070.48%
: 1074.58%
P/E (x): 20.27x
P/B (x): 1.71x
Dividend Yield %: 0.00%
: 12.90x

Shareholding Pattern

Numbers in percentages

TRADES

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	51.02	53.71	53.71	53.71	53.71	53.71	53.02	47.68	39.31
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	48.98	46.29	46.29	46.29	46.29	46.29	46.98	52.07	60.49

Jun 2024

: 51.02
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 48.98

Sep 2024

: 53.71
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.29

Dec 2024

: 53.71
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.29

Mar 2025

: 53.71
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.29

Jun 2025

: 53.71
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.29

Sep 2025

: 53.71
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.29

Dec 2025

: 53.02
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 46.98

Mar 2026

: 47.68
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 52.07

Jun 2026

: 39.31
FIIs: 0.00
DIIs: 0.00
Government: 0.00
: 60.49

Documents

Announcements

General Updates
2026-08-20 - Viji Finance Limited has informed the Exchange about General Updates
General Updates
2026-08-14 - Viji Finance Limited has informed the Exchange about General Updates

Annual Reports

Nothing filed yet.

Credit Ratings

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Concalls

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