Strong Gross Profit MarginA strong gross margin implies the company achieves healthy unit economics on core lending or services. Over months, that margin can cushion operating losses, enable reinvestment in origination or risk controls, and improve the path to sustained profitability as scale increases.

Recent Material Revenue GrowthA ~60% reported revenue increase signals genuine demand and the ability to scale originations or fee income. If revenue growth can be sustained, it improves fixed-cost absorption, supports margin recovery and creates a base to convert operating leverage into durable earnings over the next 2–6 months.

Stable Equity Base And Positive ROEA stable equity base with positive ROE indicates existing capital is generating returns and provides a buffer for lending losses. For an NBFC, this supports balance-sheet resilience, enables incremental lending capacity without immediate dilution, and underpins longer-term growth plans.

Bears Say

Consistently Negative Operating Cash FlowPersistently negative operating cash flow shows core activities fail to generate sufficient cash, forcing reliance on external financing or asset sales. Over a multi-month horizon this constrains liquidity, limits organic growth, and increases vulnerability to funding stress or higher borrowing costs.

Negative Free Cash Flow And Financing DependenceNegative free cash flow combined with dependence on financing cash flow exposes the company to refinancing and interest-rate risk. For an NBFC, sustained external funding needs raise cost of capital, can limit lending margins, and reduce strategic optionality over the coming months.

Substantial EBIT Losses And Low Net MarginMaterial EBIT losses and compressed net margins point to structural operating issues—costs, provisioning or pricing—that impair profitability. Without operational fixes, margins will remain weak, hampering capital formation, credit enhancement and the ability to scale profitably over a 2–6 month horizon.

Viji Finance Ltd. News

Viji Finance Files SEBI Compliance Certificate, Reports No Demat or Remat Requests in Q3 FY2025

Viji Finance Ltd. ( ($IN:VIJIFIN) ) has shared an update. Viji Finance Limited has submitted to the stock...

2M ago

Viji Finance Ltd. Secures Extension for AGM

An update from Viji Finance Ltd. ( ($IN:VIJIFIN) ) is now available. Viji Finance Ltd. has received approval...

5M ago

VIJIFIN FAQ

What was Viji Finance Ltd.’s price range in the past 12 months?

Viji Finance Ltd. lowest stock price was ₹1.97 and its highest was ₹4.64 in the past 12 months.

What is Viji Finance Ltd.’s market cap?

Viji Finance Ltd.’s market cap is ₹289.27M.

When is Viji Finance Ltd.’s upcoming earnings report date?

Viji Finance Ltd.’s upcoming earnings report date is Jun 25, 2026 which is in 121 days.

How were Viji Finance Ltd.’s earnings last quarter?

Viji Finance Ltd. released its earnings results on Jan 16, 2026. The company reported ₹0.066 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.066.

Is Viji Finance Ltd. overvalued?

According to Wall Street analysts Viji Finance Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Viji Finance Ltd. pay dividends?

Viji Finance Ltd. pays a Annually dividend of ₹0.01 which represents an annual dividend yield of N/A. See more information on Viji Finance Ltd. dividends here

What is Viji Finance Ltd.’s EPS estimate?

Viji Finance Ltd.’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Viji Finance Ltd. have?

Viji Finance Ltd. has 142,500,000 shares outstanding.

What happened to Viji Finance Ltd.’s price movement after its last earnings report?

Viji Finance Ltd. reported an EPS of ₹0.066 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.683%.

Which hedge fund is a major shareholder of Viji Finance Ltd.?

Currently, no hedge funds are holding shares in IN:VIJIFIN

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Viji Finance Ltd.

Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers corporate finance, infrastructure/project finance, and personal finance. The company was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012. Viji Finance Limited was incorporated in 1994 and is based in Indore, India.