Viji Finance Ltd. AI Stock Analysis
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Viji Finance Ltd. (VIJIFIN) AI Stock Analysis
Viji Finance Ltd.
(NSE:VIJIFIN)
The score is driven primarily by mixed fundamentals: strong FY2026 profitability and improved leverage are offset by weak multi-year cash flow conversion (the biggest risk). Technicals are supportive via strong trend versus moving averages but are heavily overbought, increasing near-term downside risk. Valuation is a headwind given the high P/E and no dividend yield support.
Viji Finance Ltd. (VIJIFIN) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 3.00B
- Dividend Yield
- ―
- Average Volume (3M)
- 205.30K
- Price to Earnings (P/E)
- 36.9
- Beta (1Y)
- -0.37
- Revenue Growth
- 186.18%
- EPS Growth
- 3104.55%
- Country
- India
- Employees
- 3
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Viji Finance Ltd. Business Overview & Revenue Model
Company Description
Viji Finance Limited, a non-banking finance company, provides financial products and services in India. It offers personal and business loans, gold loans, corporate finance, infrastructure/project finance, and personal finance services. Viji Finance...
Viji Finance Ltd. Financial Statement Overview
Summary
FY2026 shows a sharp profitability rebound and improved leverage (Income Statement 72, Balance Sheet 74), but cash flow quality is a major concern (Cash Flow 35) with multiple years of negative operating/free cash flow and only a recent return to positive operating cash flow. Earnings and leverage have also been historically volatile, reducing confidence in sustainability.
Income Statement
72PositiveBalance Sheet
74PositiveCash Flow
35Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 89.62M | 52.37M | 23.25M | 19.25M | 20.84M | 12.20M |
| Gross Profit | 78.47M | 40.59M | 10.38M | 10.23M | 16.97M | 9.74M |
| EBITDA | 70.61M | 29.68M | -377.00K | 5.54M | 10.01M | 5.78M |
| Net Income | 57.36M | 19.75M | 1.69M | 1.20M | 4.33M | 4.40M |
Balance Sheet | ||||||
| Total Assets | 564.96M | 336.54M | 350.54M | 264.82M | 225.54M | 174.63M |
| Cash, Cash Equivalents and Short-Term Investments | 14.29M | 4.37M | 54.94M | 1.94M | 1.80M | 1.12M |
| Total Debt | 33.75M | 72.49M | 125.97M | 133.58M | 173.86M | 48.33M |
| Total Liabilities | 57.05M | 102.91M | 136.66M | 143.04M | 105.17M | 58.59M |
| Stockholders Equity | 507.91M | 233.63M | 213.88M | 121.75M | 120.37M | 116.04M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 0 | -29.87M | -28.45M | -44.43M | -16.34M |
| Operating Cash Flow | 0 | 21.89M | -28.79M | -28.39M | -24.73M | -10.55M |
| Investing Cash Flow | 0 | -18.98M | -1.08M | -61.00K | -19.59M | -5.79M |
| Financing Cash Flow | 0 | -53.48M | 82.39M | 28.59M | 45.20M | 11.24M |
Viji Finance Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VIJIFIN, the sentiment is Neutral. The current price of 12.96 is below the 20-day moving average (MA) of 15.08, below the 50-day MA of 15.26, and above the 200-day MA of 7.74, indicating a neutral trend. The MACD of -0.44 indicates Positive momentum. The RSI at 31.43 is Neutral, neither overbought nor oversold. The STOCH value of 2.68 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:VIJIFIN.
Viji Finance Ltd. Peers Comparison
Overall Rating
IN:MOTOGENFIN65Neutral- IN:VIJIFIN57Neutral
IN:CAPTRUST49Neutral
IN:DCMFINSERV44Neutral
IN:TCIFINANCE38Underperform
IN:TRU37Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:MOTOGENFIN | 65Neutral | INR 948.82M | 0.61 | ― | ― | 17.80% | 20694.21% |
| IN:VIJIFIN | 57Neutral | INR 3.05B | 36.94 | ― | ― | 186.18% | 3104.55% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:CAPTRUST | 49Neutral | INR 1.06B | -1.76 | ― | ― | -50.16% | -325.01% |
| IN:DCMFINSERV | 44Neutral | INR 103.99M | -12.85 | ― | ― | 22.21% | 52.99% |
| IN:TCIFINANCE | 38Underperform | INR 186.78M | -9.84 | ― | ― | -92.80% | -152.68% |
| IN:TRU | 37Underperform | INR 536.53M | -0.55 | ― | ― | -63.75% | 23.83% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:VIJIFIN | Viji Finance Ltd. | 12.96 | 10.02 | 340.82% | |
| IN:CAPTRUST | Capital Trust Ltd. (India) | 22.60 | 0.79 | 3.62% | |
| IN:DCMFINSERV | DCM Financial Services Limited | 4.69 | -1.45 | -23.62% | |
| IN:MOTOGENFIN | Motor & General Finance Ltd. | 24.43 | -1.76 | -6.72% | |
| IN:TCIFINANCE | TCI Finance Limited | 14.09 | 2.69 | 23.60% | |
| IN:TRU | TruCap Finance Limited | 4.22 | -5.34 | -55.86% |
Viji Finance Ltd. Corporate Events
Viji Finance Files SEBI Dematerialization Compliance Certificate for Q2 FY2026
Viji Finance Ltd. has submitted a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30 September 2026, covering the handling of its dematerialized securities. The confirm...
Viji Finance secures BSE, NSE nod to list 2.95 crore preferential shares
Viji Finance Ltd. has received listing approvals from both BSE and NSE for 2,95,00,000 new equity shares issued to non-promoter public investors on a preferential basis following the conversion of warrants. The shares carry a face value of Re. 1 with...
Viji Finance discloses resignation of statutory auditor and plans to fill vacancy
Viji Finance Ltd. has reported a change in its statutory auditors, with Dharmendra K Agarwal & Co., Chartered Accountants, resigning from their role effective 22 August 2026. The company disclosed that it received the resignation by email over the we...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 27, 2026