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VIJIFIN

Viji Finance Limited
Chart
₹4.02
Latest Week 2026-06-05
Financial ServicesCredit ServicesSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.26
OS Score
41.0%
Value
40.0%
Quality
38.0%
Momentum
8/9
F-Score
0.405
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
2 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
✗
🌱
GARP
Rev +119%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.13
V
Value Analysis
Cheapness relative to fundamentals
41.0%ile
P/E
21.5×
P/S
11.3×
P/B
2.5×
E/P
0.0465
FCF Yield
0.034
EBITDA/EV
0.045
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
60.00000000
/100 — 1=cheapest
VC2 (Trending Value)
59.00000000
/100
VC3 (Buyback)
59.00000000
/100
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
40.0%ile
ROE
0.114
ROA
0.079
Net Margin
0.524
Op Margin
0.507
GPA
0.118
Current
15.76
F-Score
8/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
1.186
Stability
1.466
lower=better
Accruals
0.014
lower=better
5yr Consist
No
F-Score of 8/9 indicates strong fundamental improvement across multiple dimensions.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
38.0%ile
6M Return
60.8%
12M Return
77.9%
12-1 Mom
100.4%
Risk-Adj
1.13
Vol 252d
88.8%
Vol 60d
157.9%
↑ Expanding
Max DD 12M
-50.4%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 100% is very strong — a clear uptrend. Near-term vol (158%) is expanding vs long-term (89%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.26
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 237 peers
Sector Value %ile
41.6%
Sector Quality %ile
55.9%
P/E z-score
-0.20
P/B z-score
-0.07
Sector Avg OS
48.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
DCBBANK DCB Bank Limited 99.0% 94.0% 87.0% 86.0%
SOUTHBANK The South Indian Bank Limited 98.0% 92.0% 67.0% 93.0%
INDIANB Indian Bank 98.0% 89.0% 76.0% 90.0%
JPOLYINVST Jindal Poly Investment and Finance Company Limited 98.0% 84.0% 93.0% 89.0%
CANBK Canara Bank 97.0% 90.0% 67.0% 85.0%
BANKBARODA Bank of Baroda Limited 97.0% 94.0% 70.0% 76.0%
DHANBANK Dhanlaxmi Bank Limited 97.0% 93.0% 76.0% 74.0%
PNB Punjab National Bank 96.0% 93.0% 70.0% 71.0%
Factor Interactions
Volatility Expanding
60-day vol (158%) significantly exceeds 252-day (89%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
D
38.0% avg (7 factors)
Quality
B
64.3% avg (7 factors)
Momentum
A
88.3% avg (4 factors)
Risk
F
0.0% avg (1 factors)
High quality business commanding a premium price. The market recognises the quality — returns from here depend on continued fundamental execution. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.260—1—
Value %ile0.410—0—
Quality %ile0.400—0—
Momentum %ile0.380—0—
F-Score8.000—1—
Confidence0.939—1—
Volatility0.888—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
21.52
Earnings Yield (E/P)
0.0465
Price / Sales
11.27
Price / Book
2.45
Price / Cash Flow
26.17
FCF Yield
3.4%
EBITDA / EV
4.5%
Sales Yield (1/P·S)
0.0793
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
11.4%
Return on Assets
7.9%
Net Margin
52.4%
Operating Margin
50.7%
Gross Profit / Assets
Novy-Marx GPA
11.8%
Current Ratio
15.76
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.014
MomentumPrice trend strength over different horizons
6M Return
60.8%
12M Return
77.9%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
100.4%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.13
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
118.6%
Earnings Stability (CV)
Lower = more stable
1.466
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
8
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
60
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
59
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
59
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity