Viji Finance Ltd has reported an impressive turnaround in its Q4 FY25 performance, showcasing a significant jump in profitability and operational efficiency.
Result Summary:
- Net Profit (PAT) surged to ₹6.80 million from just ₹0.02 million in Q4 FY24. That’s a staggering 33,900% growth, indicating a strong recovery in business performance.
- Sales revenue grew by 7.83%, rising to ₹5.92 million from ₹5.49 million in the same quarter last year.
- The company earned ₹4.44 million in other income, a dramatic increase from ₹0.02 million – suggesting gains from non-core operations like investments or asset sales.
- Profit Before Interest, Depreciation, and Tax (PBIDT) jumped by 562.07%, reaching ₹9.60 million compared to ₹1.45 million in Q4 FY24.
- Profit Before Tax (PBT) stood at ₹7.34 million, sharply up from just ₹0.01 million, reflecting an unmatched 733000% increase.
- Despite higher interest costs, which rose by 150.91% to ₹1.38 million, the overall profitability saw robust improvement due to strong income growth and better operational leverage.
- The PBIDT margin also saw a notable improvement, expanding from 26.41% to 162.16%, indicating better cost control and improved income mix.
| Metrics | Q4 FY25 (₹ in Millions) | Q4 FY24 (₹ in Millions) | % Change |
|---|---|---|---|
| Sales | 5.92 | 5.49 | 7.83% |
| Other Income | 4.44 | 0.02 | 22100% |
| PBIDT | 9.60 | 1.45 | 562.07% |
| Interest | 1.38 | 0.55 | 150.91% |
| PBT | 7.34 | 0.01 | 733000% |
| TAX | 0.54 | -0.01 | -5500% |
| PAT | 6.80 | 0.02 | 33900% |
| PBIDT Margin (%) | 162.16% | 26.41% | 513.98% |
Year-to-Date & Annual View
- For the full year ending March 2025, PAT rose by 38.84% to ₹1.68 million, compared to ₹1.21 million in FY24.
- Annual Sales grew by 20.78%, while Other Income shot up to ₹6.04 million from ₹0.02 million – underlining the company’s ability to generate returns beyond its core lending business.
- PBIDT for the year stood at ₹10.31 million, marking a 40.08% growth, and PBT increased to ₹2.16 million from ₹2.01 million.
Final Thoughts
Viji Finance Ltd has delivered a solid set of numbers in Q4 FY25. The huge spike in net profit and operational margins indicates an efficient financial strategy. The rise in other income might not be recurring, but it definitely contributed positively to the quarter. Moving forward, if the company continues to scale its lending business and keeps costs in check, profitability could stay strong.
Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.
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