Viji Finance
Viji Finance Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Viji Finance Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Viji Finance Ltd trades at a P/E of 28.28× and P/B of 1.61×, against the Financials sector median P/E of 18.42×.
Valuation
Profitability
Growth
Financial Health
Viji Finance Ltd chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Viji Finance Ltd — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Viji Finance Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Viji Finance Ltd, switchable between annual and quarterly views, consolidated or standalone.
Viji Finance Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹64.27 Cr and reported EPS of ₹0.09.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Revenue from Operations | 2 | 2 | 1 | 1 | 1 | 2 |
| Other Income | 0 | 0 | — | 0 | 0 | 0 |
| Total Income | 2 | 2 | 1 | 1 | 1 | 2 |
| Gross Profit | 2 | 2 | 1 | 1 | 1 | 2 |
| +Operating Expenses | 0 | 1 | 1 | 0 | 1 | 1 |
| EBITDA | 2 | 1 | 0 | 1 | 1 | 1 |
| +Non-Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax (PBT) | 2 | 1 | 0 | 1 | 0 | 1 |
| +Tax Expense | 1 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax (PAT) | 1 | 0 | 0 | 0 | 0 | 0 |
| Earnings Per Share (EPS) | 0.10 | 0.02 | 0.01 | 0.03 | 0.03 | 0.03 |
| Diluted Shares Outstanding (Nos.) | 14 | 14 | 14 | 14 | 14 | 14 |
| +Banking Income | 2 | 2 | 1 | 1 | 1 | 2 |
| +Additional Disclosures | 0 | 1 | 1 | 0 | 1 | 1 |
| Sales Growth % | — | -23.73 | -43.29 | -7.90 | 32.58 | 70.79 |
| YoY Sales Growth % | — | -23.73 | -43.29 | -7.90 | 32.58 | 70.79 |
| Employee Cost % | 2 | 18 | 42 | 10 | 28 | 32 |
| Other Cost % | 12 | 39 | 31 | 19 | 25 | 16 |
| OPM % | 86 | 44 | 28 | 71 | 47 | 52 |
| Tax % | 27 | 51 | 31 | 25 | 11 | 28 |
| Profit Growth % | — | -76.22 | -59.92 | 235.54 | -1.41 | -1.66 |
| Gross Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Margin % | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| +Additional Fields | 2 | 1 | 0 | 1 | 1 | 1 |
Viji Finance segment analysis: revenue and profit mix.
Disclosed business segments at Viji Finance with their share of revenue and profit, switchable between consolidated and standalone reporting.
Viji Finance discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Viji Finance Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Viji Finance Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
What you're getting.
No strengths or opportunities on record.
What can break it.
No weaknesses or threats on record.
What would change my mind.
Trim if P/E re-rates above 37 (~2.0× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.09. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Viji Finance Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Viji Finance Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Viji Finance Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Viji Finance Ltd — derived from the live tape, not yesterday's close.
Viji Finance Ltd last traded at ₹3.18 with an intraday range of ₹3.18–₹3.18 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹3.18| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 3.18 | +0.00 | +0.00% |
| R3 | 3.18 | +0.00 | +0.00% |
| R2 | 3.18 | +0.00 | +0.00% |
| R1 | 3.18 | +0.00 | +0.00% |
| PIVOT | 3.18 | 0.00 | 0.00% |
| CURRENT | 3.18 | — | — |
| S1 | 3.18 | -0.00 | -0.00% |
| S2 | 3.18 | -0.00 | -0.00% |
| S3 | 3.18 | -0.00 | -0.00% |
| S4 | 3.18 | -0.00 | -0.00% |
VIJIFIN is trading Inside CPR, indicating Trading in the range
CPR is Narrower, suggesting likely for trending moves
Day's range: ~
Trading Above opening range, showing Bullishness
Viji Finance Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Viji Finance Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Viji Finance Ltd stood at 96.8% of traded volume, against a 20-day average of 78.9%.
Viji Finance announcements: results, concalls, ratings, M&A.
Filings Viji Finance sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Viji Finance files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 58 documents below.
Committee Meeting Updates
Viji Finance Limited has informed the Exchange regarding Outcome of Committee Meeting held on Jun 08, 2026.
Disclosure of material issue
Viji Finance Limited has informed regarding Disclosure of material issue
Disclosure under SEBI Takeover Regulations
VIJAY KOTHARI has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial…
General Updates
Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015-Intimation to the Shareholders holding…
Issue of Securities
Viji Finance Limited has informed the Exchange about issue of Securities
Viji Finance dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Viji Finance has declared, sequenced by announce and record date.
Viji Finance corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Viji Finance Ltd: business, sector, key facts.
What Viji Finance Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Viji Finance Ltd operates in the Financial Services industry under the Financials sector, listed as NSE: VIJIFIN, BSE: 537820.
Viji Finance Limited is a non-banking finance company (NBFC) operating within India, offering a diverse range of financial products and services catering to both individual and corporate clients. Its primary business revolves around facilitating access to credit and financial solutions across various sectors.
For individual borrowers, Viji Finance provides personal loans to meet a variety of needs, ranging from debt consolidation to home improvements or other personal expenses. They also offer gold loans, a common financing option in India using gold jewelry or other gold assets as collateral. This segment of their business targets individuals requiring relatively quick access to funds, with gold loans offering a secure and readily available borrowing option.
On the corporate side, Viji Finance extends its services to businesses through business loans designed to support various operational and growth needs. This encompasses a broader spectrum of financing options tailored to the specific requirements of companies of varying sizes and industries. Beyond business loans, they are also actively involved in corporate finance, providing advisory and financial services to assist businesses with strategic planning, mergers, acquisitions, and other capital-related activities.
Further demonstrating the breadth of their services, Viji Finance participates in infrastructure and project finance. This segment likely involves larger-scale financing initiatives related to infrastructure development projects. This highlights their ability to handle significant financial transactions and support large-scale economic development endeavors. This type of financing typically involves intricate financial structuring and risk assessment. Overall, their infrastructure and project finance activities showcase a commitment to contributing to broader economic growth within India.
In summary, Viji Finance Limited's business model centers around providing a comprehensive suite of financial products and services, spanning personal and business loans, gold loans, and significant involvement in corporate and infrastructure financing. Their long history in the Indian financial market, starting from their incorporation in 1994, establishes their presence and experience within the industry. The company's diverse portfolio allows them to reach a broad base of clients and contribute to diverse sectors of the Indian economy.
Questions investors ask about Viji Finance Ltd (VIJIFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Viji Finance Ltd (VIJIFIN)?
The current share price of Viji Finance Ltd (VIJIFIN) is ₹3.18. Today, the stock has gained by ₹0.15 (4.95%), trading in a range of ₹3.18 to ₹3.18. The stock opened at ₹3.18 with a trading volume of 3,09,432 shares.
02Is Viji Finance Ltd stock a good investment for long-term?
Viji Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹64.27 crores, P/E ratio of 28.28, ROE of 2.73%, and ROCE of 1.41%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Viji Finance Ltd stock?
The 52-week high price of Viji Finance Ltd (VIJIFIN) is ₹4.65, while the 52-week low is ₹2. Currently trading at ₹3.18, the stock is 44.5% away from its 52-week low and 31.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Viji Finance Ltd stock at the current price?
Whether to buy Viji Finance Ltd stock at ₹3.18 depends on multiple factors. The stock is currently trading with a P/E ratio of 28.28 and P/B ratio of 1.61. Today's performance shows a gain of 4.95%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Viji Finance Ltd and when is the next dividend?
Viji Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹3.18, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Viji Finance Ltd?
Viji Finance Ltd's key financial metrics include: P/E Ratio: 28.28, P/B Ratio: 1.61, ROE: 2.73%, ROCE: 1.41%, Dividend Yield: 0.00%, EPS: ₹0.09, Book Value: ₹1.5, and Debt-to-Equity: 0.59. The company's market cap stands at ₹64.27 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Viji Finance Ltd stock performing today in the market?
Viji Finance Ltd stock opened at ₹3.18 and is currently trading at ₹3.18, showing a gain of ₹0.15 (4.95%). The intraday high is ₹3.18 and low is ₹3.18. The trading volume stands at 3,09,432 shares, indicating moderate market participation today.
08What is the P/E ratio of Viji Finance Ltd and what does it indicate?
Viji Finance Ltd has a Price-to-Earnings (P/E) ratio of 28.28, which means investors are willing to pay ₹28.28 for every ₹1 of earnings. With an EPS of ₹0.09, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Viji Finance Ltd (VIJIFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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