VF
FINANCIAL SERVICES · NSE/BSE: VIJIFIN
Viji Finance Limited Earnings Summary — Q1 FY2027
Sentiment: Neutral
AI-generated summary
Generated 2026-07-17Generated using: Official Earnings Press Release
Viji Finance Limited reported Q1 FY2027 quarterly results
Quarterly Business Intelligence
Q3 FY2024
Revenue
₹1 Cr
QoQ +21.4%YoY +50.0%
Net Profit
₹0 Cr
QoQ -40.0%YoY +200.0%
Operating Profit
₹0 Cr
QoQ -10.0%YoY +28.6%
Operating Margin
35.3%
QoQ -1233 bpsYoY -589 bps
AI Quarterly Scorecard™
50
/ 100
Moderate
Revenue Momentum100
Profit Growth33
Margin Expansion34
Growth Consistency63
Operating Efficiency33
Financial Stability34
Computed deterministically from the last 10 reported quarters.
Quarterly Business Momentum
Revenue & Growth
- Revenue grew 21.4% sequentially in Q3 FY2024.
- Revenue of ₹1 Cr is 50.0% higher year-on-year.
- Revenue has compounded at 30.5% annualised over the last 10 quarters.
Profitability
- Net profit of ₹0 Cr is 200.0% above the same quarter last year.
- Profit growth is outpacing revenue growth, pointing to positive operating leverage.
- Net profit has compounded at -25.3% annualised across the period.
Margins
- Operating margin stands at 35.3% in Q3 FY2024.
- Operating margin compressed by 589 bps year-on-year.
- Over the last two years operating margin has contracted by 1138 bps.
- PBT margin is 5.9%.
Operating Efficiency
- Expenses grew 65.0% against revenue growth of 50.0%.
- Operating profit of ₹0 Cr is 28.6% higher year-on-year.
- Operating leverage has been under pressure recently.
Overall Momentum
- 4 of the last 6 measured quarters delivered year-on-year revenue growth.
- Overall quarterly business momentum scores 50/100 (Moderate) on the latest 10 quarters.
- Business momentum remains positive heading into the next quarter.
Quarterly Financials
Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %
| Metric | Trend | Latest Q3 FY2024 | Q2 FY2024 | Q1 FY2024 | Q4 FY2023 | Q3 FY2023 | Q2 FY2023 | Q1 FY2023 | Q4 FY2022 | Q3 FY2022 | Q2 FY2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | Improving | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 |
| Expenses | Volatile | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | Volatile | 0 | 0 | 0 | -0 | 0 | 1 | 0 | 0 | 0 | 0 |
| Operating Margin | Volatile | 35.3% | 47.6% | 46.7% | -8.7% | 41.2% | 81.4% | 81.5% | 25.0% | 46.7% | 32.1% |
| Other Income | Insufficient data | — | — | — | — | — | — | 0 | 0 | — | — |
| Interest | Improving | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | Volatile | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | Volatile | 0 | 0 | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Tax | Volatile | 0 | 0 | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Net Profit | Volatile | 0 | 0 | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Net Margin | Volatile | 5.9% | 11.9% | 15.6% | -28.3% | -8.8% | 45.7% | 44.4% | 18.8% | 23.3% | 17.9% |
Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q3 FY2024•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2023-12-31
Key Takeaways
- Top line: Revenue: ₹2.07 Cr YoY 214.9% QoQ -11.7%.
- Profitability: Net Profit: ₹1.14 Cr YoY 444.6% QoQ -47.0%.
- Per-share earnings: EPS: ₹0.07 YoY 450.0% QoQ -53.3%.
- The quarter should be read through both revenue momentum and PAT conversion, because both headline growth and profitability are available from the official results.
- Margin quality is a key follow-up item for the next quarter because the latest operating margin provides the clearest read-through on operating leverage.
- EPS should be tracked alongside PAT so investors can separate absolute profit growth from share-count or per-share effects.
Management Guidance
No explicit forward numerical guidance was found in the available quarterly filing; this summary is therefore grounded on the official reported quarterly numbers.
Sentiment Shift
Stable
Sentiment is based on the latest reported revenue, profitability and margin evidence from the official filing.
Results
Official filing
Outlook
The next-quarter watchpoints are whether revenue momentum sustains, whether profit conversion remains healthy, and whether any margin movement is backed by recurring operating drivers rather than one-off items.
Official Quarterly Documents
Earnings Press Release
Official quarterly earnings release published by the company.
Earnings Call Transcript
Management discussion and analyst Q&A.
Ask AI about this quarter
Sign in to ask AI questions grounded on the official earnings release and call transcript.
This summary is AI-generated from Viji Finance Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.