Viji Finance Ltd. (VIJIFIN) AI Stock Analysis

• Market Cap: ₹414.68M
• Dividend Yield: N/A
• Average Volume (3M): 36.96K
• Price to Earnings (P/E): 29100.0
• Beta (1Y): 0.46
• Revenue Growth: 51.61%
• EPS Growth: N/A
• Country: IN
• Employees: 7
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -0.02
• Shares Outstanding: 142,500,000
• 10 Day Avg. Volume: 42,341
• 30 Day Avg. Volume: 36,964
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹3.00
• Price Target Upside: 3.09% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 43 Neutral
• Price Target: ₹3.00 ▲(3.09% Upside)

Viji Finance Ltd. faces significant challenges. The most impactful factors are its high leverage and negative cash flows, which pose financial risks. Technical indicators suggest bearish momentum, and the stock appears overvalued with a very high P/E ratio. These factors contribute to a low overall stock score.

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 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.

How the Company Makes Money

Viji Finance Ltd. makes money through its lending operations, where the primary revenue stream is the interest income generated from the loans it provides to customers. The company also earns from processing fees and other charges associated with its financial products. Additionally, Viji Finance may engage in strategic partnerships with other financial institutions or service providers to expand its market reach and diversify its revenue sources. The company's earnings are influenced by factors such as interest rate fluctuations, credit risk management, and the overall economic environment.

Viji Finance Ltd. Financial Statement Overview

Summary

Viji Finance Ltd. shows inconsistent financial performance with a need for operational and cash management improvements. Despite a strong gross profit margin and stable asset base, high leverage and negative cash flows present significant risks.

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 2022	Dec 2022	Dec 2021
Income Statement
Total Revenue	23.36M	23.25M	12.40M	12.20M	20.84M	9.20M
Gross Profit	10.37M	10.38M	8.86M	9.74M	12.77M	7.92M
EBITDA	-376.00K	-377.00K	4.61M	6.33M	9.41M	6.42M
Net Income	2.40M	1.69M	1.38M	4.40M	4.40M	4.47M
Balance Sheet
Total Assets	350.54M	350.54M	253.63M	174.63M	225.54M	157.44M
Cash, Cash Equivalents and Short-Term Investments	54.94M	54.94M	1.94M	709.00K	1.80M	5.67M
Total Debt	125.97M	125.97M	120.54M	46.75M	91.95M	35.52M
Total Liabilities	136.66M	136.66M	131.87M	58.59M	105.17M	45.80M
Stockholders Equity	213.88M	213.88M	121.75M	116.04M	120.37M	111.64M
Cash Flow
Free Cash Flow	0.00	-29.87M	-28.45M	-16.34M	-44.43M	7.25M
Operating Cash Flow	0.00	-28.79M	-28.39M	-10.55M	-24.73M	7.25M
Investing Cash Flow	0.00	-1.08M	-61.00K	-5.79M	-19.59M	-197.61K
Financing Cash Flow	0.00	82.39M	28.59M	11.24M	45.20M	-2.98M

Viji Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.91
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 2.91 is below the 20-day moving average (MA) of 3.24, below the 50-day MA of 3.65, and above the 200-day MA of 2.86, indicating a neutral trend. The MACD of -0.17 indicates Positive momentum. The RSI at 34.77 is Neutral, neither overbought nor oversold. The STOCH value of 13.14 is Positive, 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
TCIFINANCE	52 Neutral	158.46M	4.31	-4.76%	―	479.93%	―
KHANDSE	46 Neutral	361.52M	-19.39	-2.77%	―	-1.73%	-462.92%
ONELIFECAP	46 Neutral	179.56M	-2.88	-14.83%	―	-43.42%	-538.40%
VIJIFIN	43 Neutral	₹414.68M	29,100.00	―	―	51.61%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Viji Finance Ltd. Corporate Events

Viji Finance Ltd. Reports Strong Quarterly Financial Performance

Viji Finance Ltd. has published its unaudited financial results for the quarter ending June 30, 2025, in compliance with SEBI regulations. The results, which show significant growth in income and profit compared to the previous year, are available on the company’s website and were published in prominent newspapers. This announcement reflects the company’s strong financial performance and commitment to transparency, potentially impacting its market positioning positively.