Viji Finance Limited (VIJIFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹943M
Fair value as of: Jul 3, 2026
From 25 valuation models · updated today
Share price +82.9% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹2.01 – ₹6.95 · fair‑value band ₹1.29 – ₹2.25 · the ₹6.95 price screens above the ₹1.80 fair value. As of Jul 3, 2026.
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Viji Finance Limited (VIJIFIN) currently trades at ₹6.95, while our model-based Fair Value estimate is ₹1.80 — implying the stock looks roughly 74.1% overvalued today. We read business quality at 66/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Viji Finance Limited generated revenue of ₹47.2M at a net margin of 41.9%. Revenue grew 161.9% year over year. It earns a return on equity of 8.8%. Net debt stands at ₹68.1M. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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. The company was incorporated in 1994 and is based in Indore, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Viji Finance Limited reported revenue of ₹52.4M in FY2026 versus ₹12.2M in FY2022, a compound +43.9%/yr. Reported net income was ₹19.7M in FY2026, compounding +45.5%/yr from FY2022.
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| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.