Viji Finance Limited
VIJIFIN · NSE · Financial Services
StocksWizard rates Viji Finance Limited a Hold, scoring 45/100 on our blended model. At ₹4.51 it trades above our blended DCF and relative-multiples fair value of ₹3.04, implying roughly 33% downside to that estimate — we read the stock as overvalued by 33%. Financial health scores 72/100 (grade B), with a Piotroski F-score of 2/9. It clears 8 of 12 investability checks, with durability 80, valuation 36 and momentum 99 on our 0–100 scales.
These are StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹2.43.
Piotroski F-score 2/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%8.8%
- ✓Low debt (D/E < 0.5)0.31x
- ✓Positive free cash flow
- ✓Revenue growth > 10%162%
- ✓Earnings growing212%
- ✓Net margin ≥ 10%41.9%
- ✓Current ratio > 1.59.96
- ✕Below our fair value
- ✕Margin of safety ≥ 20%
- ✓Above 200-day average
- ✓Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 72/9
1-year price
EOD · 2026-06-19Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Shareholding
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
SWOT snapshot
Strengths
- •Lightly leveraged balance sheet.
- •Healthy profit margin (41.9%).
- •Trading near its 52-week high.
Weaknesses
- •Weak Piotroski score (2/9).
Opportunities
- •Earnings growing (212% YoY).
- •Revenue growing (162% YoY).
Threats
- •Trades ~33% above our estimated fair value.
About Viji Finance Limited
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 Limited was formerly known as Panjon Finance Limited and changed its name to Viji Finance Limited in September 2012
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All stocksOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.