Viji Finance Ltd

Viji Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Viji Finance Ltd

₹ 3.46 3.28%
22 Nov - close price
vijifinance.com BSE: 537820 NSE: VIJIFIN
About

Incorporated in 1994, Viji Finance Ltd is engaged in providing financial services[1]

Key Points

Business Overview[1][2][3]
Company is a Non Systematically Important
Non Deposit Taking Non-Banking Finance Company registered with RBI. It provides
working capital loans to corporates and most of the loans are unsecured. Loans are only extended to borrowers the promoter is familiar.

Website BSE NSE - BE
  • Market Cap ₹ 49.3 Cr.
  • Current Price ₹ 3.46
  • High / Low ₹ 4.35 / 1.15
  • Stock P/E 352
  • Book Value ₹ 0.85
  • Dividend Yield 0.00 %
  • ROCE 1.41 %
  • ROE 1.16 %
  • Face Value ₹ 1.00
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Pros

  • Promoter holding has increased by 2.69% over last quarter.

Cons

  • Stock is trading at 4.05 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of -4.75% over past five years.
  • Company has a low return on equity of 2.86% over last 3 years.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
0.22 0.04 0.28 0.28 0.30 0.32 0.54 0.70 0.34 0.46 0.45 0.42 0.51
0.14 -0.11 0.05 0.19 0.16 0.24 0.10 0.13 0.20 0.50 0.24 0.22 0.33
Operating Profit 0.08 0.15 0.23 0.09 0.14 0.08 0.44 0.57 0.14 -0.04 0.21 0.20 0.18
OPM % 36.36% 375.00% 82.14% 32.14% 46.67% 25.00% 81.48% 81.43% 41.18% -8.70% 46.67% 47.62% 35.29%
0.00 0.02 0.00 0.00 0.00 0.05 0.01 0.00 0.00 0.00 0.00 0.00 0.00
Interest 0.01 0.01 0.01 0.01 0.02 0.03 0.04 0.04 0.08 0.04 0.03 0.04 0.06
Depreciation 0.01 0.01 0.01 0.02 0.03 0.02 0.09 0.09 0.09 0.09 0.09 0.09 0.09
Profit before tax 0.06 0.15 0.21 0.06 0.09 0.08 0.32 0.44 -0.03 -0.17 0.09 0.07 0.03
Tax % 33.33% 40.00% 28.57% 33.33% 22.22% 25.00% 25.00% 25.00% -33.33% -23.53% 22.22% 28.57% 33.33%
0.04 0.09 0.16 0.05 0.07 0.06 0.24 0.32 -0.03 -0.13 0.07 0.05 0.03
EPS in Rs 0.00 0.01 0.01 0.00 0.00 0.00 0.02 0.02 -0.00 -0.01 0.00 0.00 0.00
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
1.37 1.72 2.31 1.76 0.99 0.94 1.22 2.09 1.38
0.69 0.67 0.32 0.99 0.73 0.26 0.64 0.94 0.79
Operating Profit 0.68 1.05 1.99 0.77 0.26 0.68 0.58 1.15 0.59
OPM % 49.64% 61.05% 86.15% 43.75% 26.26% 72.34% 47.54% 55.02% 42.75%
0.00 0.00 0.00 0.00 0.01 0.00 0.05 0.00 0.00
Interest 0.06 0.07 0.04 0.05 0.03 0.04 0.06 0.20 0.14
Depreciation 0.05 0.05 0.04 0.05 0.05 0.05 0.08 0.35 0.27
Profit before tax 0.57 0.93 1.91 0.67 0.19 0.59 0.49 0.60 0.18
Tax % 40.35% 33.33% 26.70% 50.75% 31.58% 23.73% 10.20% 26.67% 27.78%
0.34 0.62 1.40 0.33 0.13 0.45 0.44 0.43 0.14
EPS in Rs 0.02 0.04 0.10 0.02 0.01 0.03 0.03 0.03 0.01
Dividend Payout % 66.18% 12.10% 5.89% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: -5%
3 Years: 14%
TTM: -34%
Compounded Profit Growth
10 Years: %
5 Years: -16%
3 Years: -32%
TTM: -67%
Stock Price CAGR
10 Years: -7%
5 Years: 63%
3 Years: 11%
1 Year: 175%
Return on Equity
10 Years: %
5 Years: 3%
3 Years: 3%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 7.50 7.50 8.25 8.25 8.25 8.25 8.25 8.25 8.25
Reserves 0.96 1.30 1.95 2.18 2.31 2.91 3.35 3.79 3.93
1.05 3.05 3.18 3.94 4.30 3.55 4.67 9.19 12.06
0.51 0.51 0.77 0.90 1.14 1.04 1.19 1.32 1.12
Total Liabilities 10.02 12.36 14.15 15.27 16.00 15.75 17.46 22.55 25.36
0.45 0.34 0.30 0.28 0.24 0.19 0.68 2.30 2.04
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.03 0.00 0.02 0.28 0.03 0.05 0.06 0.05 0.05
9.54 12.02 13.83 14.71 15.73 15.51 16.72 20.20 23.27
Total Assets 10.02 12.36 14.15 15.27 16.00 15.75 17.46 22.55 25.36

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1.09 -0.37 -0.68 -0.46 0.72 -1.06 -2.47 -2.84
0.05 -0.02 -0.39 0.16 -0.02 -0.58 -1.96 -0.01
1.40 0.09 0.73 0.36 -0.30 1.12 4.52 2.86
Net Cash Flow 0.36 -0.30 -0.35 0.06 0.41 -0.51 0.09 0.01

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0.00 10.61 0.00 55.99 11.06 11.65 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 10.61 0.00 55.99 11.06 11.65 0.00 0.00 0.00
Working Capital Days -119.89 -55.17 -91.65 -105.77 -368.69 -368.88 -308.16 -193.85 -259.20
ROCE % 9.36% 15.46% 5.19% 1.51% 4.26% 3.55% 4.27% 1.41%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
52.23% 52.23% 52.23% 51.07% 51.47% 51.39% 45.97% 44.97% 39.83% 49.63% 51.02% 53.71%
0.00% 0.00% 0.00% 0.00% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
47.77% 47.77% 47.77% 48.91% 48.51% 48.62% 54.04% 55.03% 60.18% 50.38% 48.99% 46.30%
No. of Shareholders 21,84723,71226,18528,35030,80736,95144,39148,21851,32154,79353,38154,025

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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