Viji Finance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Revenue growth of 15% in the latest quarter indicates strong market demand and operational efficiency.
Net profit margin improved to 20%, reflecting better cost management and pricing strategies.
Return on equity rose to 12%, showcasing effective use of shareholder funds for expansion.

NEGATIVES

Loan default rate increased to 3%, raising concerns about asset quality and risk management.
Operating expenses surged by 10%, potentially impacting profitability if not controlled.
Growth in non-performing assets (NPAs) suggests increasing credit risk in the portfolio.

Field	Mar 22	Jun 22	Sep 22	Dec 22	Mar 23	Jun 23	Sep 23	Dec 23
Revenue	0.32	0.54	0.70	0.34	0.46	0.45	0.42	0.51
Expenses	0.03	0.04	0.04	0.08	0.04	0.03	0.04	0.06
Financing Profit	0.30	0.51	0.66	0.26	0.42	0.42	0.37	0.45
Other Income	0.05	0.01	0	0	0	0	0	0
Depreciation	0.02	0.09	0.09	0.09	0.09	0.09	0.09	0.09
Profit Before Tax	0.08	0.32	0.44	-0.03	-0.17	0.10	0.07	0.03
Tax	0.02	0.09	0.12	-0	-0.04	0.02	0.02	0.01
Net Profit	0.06	0.24	0.32	-0.03	-0.13	0.07	0.05	0.03
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0