Viji Finance Ltd. (VIJIFIN) AI Stock Analysis

• Market Cap: ₹421.80M
• Dividend Yield: N/A
• Average Volume (3M): 25.74K
• Price to Earnings (P/E): 222.6
• Beta (1Y): 0.39
• Revenue Growth: 39.46%
• EPS Growth: N/A
• Country: IN
• Employees: 7
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): >-0.01
• Shares Outstanding: 142,500,000
• 10 Day Avg. Volume: 12,331
• 30 Day Avg. Volume: 25,738
• PEG Ratio: -75.85
• Price to Book (P/B): 1.46
• Price to Sales (P/S): 13.42
• P/FCF Ratio: -10.45
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: ₹3.00 ▲(21.95% Upside)

Viji Finance Ltd. faces significant challenges, primarily due to its financial performance and valuation. The high leverage, negative cash flows, and operational inefficiencies are major concerns. Additionally, the technical analysis indicates bearish momentum, and the high P/E ratio suggests overvaluation. These factors collectively result in a low overall stock score.

Positive Factors

Revenue Growth

Despite volatility, recent significant revenue growth indicates potential for market expansion and increased demand for financial services.

Gross Profit Margin

A strong gross profit margin suggests that the company efficiently manages its costs relative to sales, enhancing its competitive position.

Return on Equity

Positive return on equity indicates effective use of shareholder funds to generate profits, enhancing investor confidence and long-term growth potential.

Negative Factors

High Debt-to-Equity Ratio

A high debt-to-equity ratio suggests increased financial risk, which could limit the company's ability to invest in growth opportunities and weather economic downturns.

Negative Cash Flows

Consistently negative operating cash flow highlights challenges in generating cash from core operations, which may strain liquidity and financial stability.

Low Net Profit Margin

A low net profit margin due to EBIT losses suggests operational inefficiencies, which could hinder profitability and long-term financial health.

Viji Finance Ltd. Business Overview & Revenue Model

Company Description

Viji Finance Ltd. (VIJIFIN) is a financial services company specializing in providing a range of financial products and services, including personal loans, business financing, and investment solutions. Operating primarily in the lending and investment sectors, VIJIFIN aims to cater to both individual and corporate clients, offering tailored financial solutions to meet diverse needs. The company is committed to leveraging technology to enhance customer experience and streamline its services.

How the Company Makes Money

Viji Finance Ltd. generates revenue primarily through interest income from loans and financing products offered to customers. The company charges interest on personal loans, business loans, and other credit products, which constitutes a significant portion of its revenue. Additionally, VIJIFIN may earn fees for loan origination, processing, and other financial services provided to clients. The company could also generate income through investment management services, if applicable. Strategic partnerships with financial institutions and technology providers help enhance its service offerings and reach, thereby contributing to its overall earnings. Factors such as market demand for loans, interest rate fluctuations, and effective risk management practices also play a crucial role in determining the company’s profitability.

Viji Finance Ltd. Financial Statement Overview

Summary

Viji Finance Ltd. shows mixed financial performance. Strong gross profit margin indicates efficient operations, but low net profit margin and negative cash flows highlight operational inefficiencies and liquidity challenges. High leverage adds financial risk.

Income Statement

Viji Finance Ltd. shows mixed performance on profitability metrics. The gross profit margin is strong, indicating efficient production and service delivery. However, the net profit margin is low due to substantial EBIT losses, indicating operational inefficiencies. Revenue growth is volatile, with significant growth in the latest year, suggesting inconsistency in sales performance.

Balance Sheet

The balance sheet shows moderate financial health. The debt-to-equity ratio is relatively high, indicating potential leverage risk. However, the equity ratio is stable, reflecting a solid asset base. Return on equity is positive, suggesting that the company is generating returns for its shareholders.

Cash Flow

Cash flow analysis reveals challenges in cash management. Operating cash flow is consistently negative, indicating potential issues with core business cash generation. Free cash flow is also negative, showing strain on liquidity. The reliance on financing cash flow suggests dependency on external funding.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	23.56M	23.25M	19.25M	20.84M	12.20M	9.20M
Gross Profit	9.13M	10.38M	10.23M	16.97M	9.74M	7.92M
EBITDA	-3.24M	-377.00K	5.54M	10.01M	5.78M	6.42M
Net Income	135.00K	1.69M	1.20M	4.33M	4.40M	4.47M
Balance Sheet
Total Assets	0.00	350.54M	253.63M	225.54M	174.63M	157.44M
Cash, Cash Equivalents and Short-Term Investments	0.00	54.94M	2.42M	1.80M	914.00K	6.02M
Total Debt	0.00	125.97M	120.54M	91.95M	46.75M	35.52M
Total Liabilities	-213.88M	136.66M	131.87M	105.17M	58.59M	45.80M
Stockholders Equity	213.88M	213.88M	121.75M	120.37M	116.04M	111.64M
Cash Flow
Free Cash Flow	0.00	-29.87M	-28.45M	-44.43M	-16.34M	7.25M
Operating Cash Flow	0.00	-28.79M	-28.39M	-24.73M	-10.55M	7.25M
Investing Cash Flow	0.00	-1.08M	-61.00K	-19.59M	-5.79M	-197.61K
Financing Cash Flow	0.00	82.39M	28.59M	45.20M	11.24M	-2.98M

Viji Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.46
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VIJIFIN, the sentiment is Negative. The current price of 2.46 is below the 20-day moving average (MA) of 2.96, below the 50-day MA of 3.08, and below the 200-day MA of 2.85, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 40.93 is Neutral, neither overbought nor oversold. The STOCH value of 34.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:VIJIFIN.

Viji Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LFIC	62 Neutral	―	―	―	1.56%	-93.62%	-115.49%
KHANDSE	49 Neutral	₹341.23M	-18.37	―	―	-12.64%	-390.34%
TCIFINANCE	49 Neutral	₹156.14M	4.46	―	―	797.65%	―
VIJIFIN	44 Neutral	₹421.80M	222.56	―	―	39.46%	―
ONELIFECAP	44 Neutral	₹225.12M	-5.21	―	―	-62.38%	21.41%

Viji Finance Ltd. Corporate Events

Viji Finance Ltd. Secures Extension for AGM

Viji Finance Ltd. has received approval from the Registrar of Companies, Madhya Pradesh, to extend its Annual General Meeting (AGM) for the financial year ending March 31, 2025, by three months. This extension allows the company additional time to convene the AGM, which was initially due by September 30, 2025, under the Companies Act, 2013. The decision reflects the company’s commitment to compliance while addressing operational challenges, and the new AGM date will be announced in due course.