VIJIFIN
Viji Finance Limited (VIJIFIN) Stock Analysis
Viji Finance Limited is an NBFC providing loans and financial services to retail and small business customers. It operates as a listed finance company with secured and unsecured lending products. The company serves regional markets in India.
Financial Services › Credit Services
₹16.10
+5.16% 1W | +438.00% 52W
Market Cap
372 CR
P/E Ratio
70
52W High
₹17.2
52W Low
₹2
Div. Yield
0%
Beta
-0.1
50 DMA
₹13.1
200 DMA
₹5.9
Profit Margin
56.1%
Inst. Own.
0%
📊 ANALYZING TREND
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| Expenses | 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 |
| Financing Profit | 0.07 | 0.14 | 0.22 | 0.08 | 0.12 | 0.05 | 0.40 | 0.53 | 0.06 | -0.08 | 0.18 | 0.16 | 0.12 |
| Financing Margin % | 31.82% | 350.00% | 78.57% | 28.57% | 40.00% | 15.62% | 74.07% | 75.71% | 17.65% | -17.39% | 40.00% | 38.10% | 23.53% |
| Other Income | 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 |
| 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% |
| Net Profit | 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.37 | 1.72 | 2.31 | 1.76 | 0.99 | 0.94 | 1.22 | 2.09 | 1.38 |
| Interest | 0.06 | 0.07 | 0.04 | 0.05 | 0.03 | 0.04 | 0.06 | 0.20 | 0.14 |
| Expenses | 0.69 | 0.67 | 0.32 | 0.99 | 0.73 | 0.26 | 0.64 | 0.94 | 0.79 |
| Financing Profit | 0.62 | 0.98 | 1.95 | 0.72 | 0.23 | 0.64 | 0.52 | 0.95 | 0.45 |
| Financing Margin % | 45.26% | 56.98% | 84.42% | 40.91% | 23.23% | 68.09% | 42.62% | 45.45% | 32.61% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.05 | 0.00 | 0.00 |
| 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% |
| Net Profit | 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% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 14.0% | -5.0% | – |
| Profit CAGR | -32.0% | -16.0% | – |
Shareholding Pattern
Promoters53.71%
Public46.29%
Promoters53.02%
Public46.99%
Promoters47.68%
DIIs0.25%
Public52.07%
Promoters39.31%
DIIs0.21%
Public60.49%
Promoters29.68%
DIIs0.15%
Public70.16%
Promoters51.39%
Public48.62%
Promoters49.63%
Public50.38%
Promoters53.71%
Public46.29%
Promoters47.68%
DIIs0.25%
Public52.07%
Promoters29.68%
DIIs0.15%
Public70.16%
VIJIFIN
Holdings Analysis
Key strengths & risk signals
77
Overall
71
Fundamental
83
Technical
Risks (1)
TOO MUCH PUBLIC HOLDING! 54.04% public ownership - higher volatility risk.
Strengths (4)
EXCELLENT EFFICIENCY! 56.1% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (13.1) is above 200-day average (5.9) - positive signal.
EXCELLENT YEAR! Stock gained 438.0% in the last year.
STRONG! Trading at 92.8% of 52W range - near yearly highs.
Fundamental & Technical Analysis
77Overall
71Fundamental
83Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 34.6% (EXCELLENT, 15/15). Profit CAGR: 65.8% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 56.1% profit margin - company keeps strong profits.
PEG Valuation
9/10
FAIRLY VALUED! PEG of 1.06 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 54.04% public ownership - higher volatility risk.
Stability Index
4/10
CAREFUL! Company does not have stable profit track. 2 loss-making quarters detected.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (13.1) is above 200-day average (5.9) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (16.1) is above both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 438.0% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 22 up days, 8 down days. Avg volume on up days: 360,742 vs down days: 295,743. Ratio: 1.22x
RSI
3/5
BULLISH! RSI at 67.0 - positive momentum.
52W Range
5/5
STRONG! Trading at 92.8% of 52W range - near yearly highs.
Momentum
5/5
STRONG MOMENTUM! Price has grown across all timeframes - up 5.2% (1 week), 7.0% (1 month), 167.7% (3 months). Momentum is accelerating.
Beta
5/5
LOW VOLATILITY! Beta of -0.10 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| VIJIFIN | ₹16.10 | 70 | 56.1% | 34.6% | 65.8% | +438.0% | 77 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
| UYFINCORP | ₹19.80 | 6.1 | 29.1% | 37.0% | 84.0% | +30.9% | 84 | BREAKDOWN | +226.7% | +12.6% | +181.1% | +3.3% |
| MUTHOOTCAP | ₹221.20 | 15.2 | 9.3% | 11.5% | -47.8% | -19.3% | 51 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| MONEYBOXX | ₹48.60 | 256.1 | 1.1% | 59.7% | – | -35.4% | 40 | BREAKDOWN | 0.0% | -60.0% | -11.3% | -2.1% |
| AFIL | ₹7.90 | 7.8 | 48.8% | 29.4% | 42.8% | -4.1% | 71 | BREAKDOWN | +20.8% | -5.7% | +34.3% | +1.5% |
| STARTECK | ₹314.00 | 12.8 | 75.4% | 13.0% | 2.7% | -16.7% | 69 | BREAKOUT | +22.9% | -17.3% | +39.7% | +31.3% |
| MANCREDIT | ₹217.40 | 25.7 | 23.2% | 48.1% | 24.6% | +21.5% | 76 | BOUNCE FROM SUPPORT | +90.0% | +3.6% | +53.1% | +4.2% |
| IITL | ₹131.60 | – | – | 28.5% | – | -31.9% | 43 | CONSOLIDATION | +48.5% | -160.0% | +12.8% | -11.7% |
Data from TradeAlone · Updated daily
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