Arthneeti

Viji Finance Q2 FY27 Share Price & Earnings Call Analysis

₹14.40-1.97% today
Market cap
₹333 Cr
P/E
57.95
ROE
8.80%
PEG
0.89
Price to sales
41.47
Debt to equity
0.07
52W high / low
₹17.0 / ₹2.01
Sales growth (5Y)
41.01%
EBITDA margin
82.17%
Net profit margin
37.60%
Promoter holding
30.07%
Sales (last year)
₹8 Cr

Incorporated in 1994, Viji Finance Ltd is in the business of offering financial services.[1]

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of Viji Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Viji Finance

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +0.460.450.420.510.550.530.610.590.590.570.581.592.35
Interest0.040.030.040.060.050.050.110.160.140.180.170.100.08
Expenses +0.500.230.220.330.410.540.700.590.070.730.510.270.23
Financing Profit-0.080.190.160.120.09-0.06-0.20-0.160.38-0.34-0.101.222.04
Financing Margin %-17.39%42.22%38.10%23.53%16.36%-11.32%-32.79%-27.12%64.41%-59.65%-17.24%76.73%86.81%
Other Income +0.000.000.000.000.000.000.010.150.440.090.08-0.020.00
Depreciation0.090.090.090.090.090.080.090.090.090.080.080.080.08
Profit before tax-0.170.100.070.030.00-0.14-0.28-0.100.73-0.33-0.101.121.96
Tax %-23.53%30.00%28.57%33.33%-28.57%-10.71%0.00%8.22%0.00%0.00%16.07%-9.69%
Net Profit +-0.130.070.050.030.00-0.10-0.24-0.100.68-0.33-0.100.942.15
EPS in Rs-0.010.000.000.000.00-0.01-0.02-0.010.05-0.02-0.010.070.15
Gross NPA %
Net NPA %

Financials of Viji Finance

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1.321.371.612.311.760.990.941.222.091.932.585.08
Interest0.040.060.070.040.050.030.040.060.190.200.500.52
Expenses +0.310.690.550.320.990.710.260.630.941.171.861.75
Financing Profit0.970.620.991.950.720.250.640.530.960.560.222.81
Financing Margin %73.48%45.26%61.49%84.42%40.91%25.25%68.09%43.44%45.93%29.02%8.53%55.31%
Other Income +0.000.000.000.000.000.000.000.050.000.000.350.16
Depreciation0.050.050.050.040.050.050.050.080.350.360.350.33
Profit before tax0.920.570.941.910.670.200.590.500.610.200.222.64
Tax %35.87%40.35%36.17%25.65%49.25%25.00%25.42%10.00%26.23%40.00%22.73%25.38%
Net Profit +0.600.340.611.420.340.140.440.440.440.120.171.97
EPS in Rs0.040.020.040.100.020.010.030.030.030.010.010.14
Dividend Payout %37.50%66.18%12.30%5.81%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Financials of Viji Finance

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital7.507.507.508.258.258.258.258.258.258.2514.2514.25
Reserves0.880.961.472.152.382.532.973.413.853.977.149.11
Borrowing0.451.052.582.723.483.843.554.729.2713.3612.597.25
Other Liabilities +0.510.510.530.760.911.131.021.181.320.951.083.04
Total Liabilities9.3410.0212.0813.8815.0215.7515.7917.5622.6926.5335.0633.65
Fixed Assets +0.240.450.340.300.280.240.190.682.301.951.711.38
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments0.110.030.130.150.410.160.150.160.150.050.051.95
Other Assets +8.999.5411.6113.4314.3315.3515.4516.7220.2424.5333.3030.32
Total Assets9.3410.0212.0813.8815.0215.7515.7917.5622.6926.5335.0633.65

Financials of Viji Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +0.840.24-1.01-0.40-0.69-0.460.73-1.05-2.47-4.15-2.882.19
Cash from Investing Activity +-0.10-0.25-0.05-0.02-0.390.16-0.02-0.58-1.960.09-0.11-1.90
Cash from Financing Activity +-0.570.271.310.100.740.36-0.301.184.474.178.24-5.35
Net Cash Flow0.170.260.25-0.33-0.340.050.41-0.460.040.115.25-5.06
Free Cash Flow0.82-0.12-0.95-0.40-0.71-0.480.73-1.63-4.44-4.16-2.992.19
CFO/OP83%35%-85%-12%-29%-164%107%-178%-215%-534%-389%68%

Financials of Viji Finance

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %7.30%4.04%7.00%14.66%3.23%1.31%4.00%3.85%3.70%0.99%1.01%8.80%

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What Viji Finance's management said in earlier quarters

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