Viji FinanceNSE:VIJIFIN +4.98%74 Net Margin % is 91.39% as of Mar. 2026, which is 221% above its 10-year median of 28.43. GuruFocus rates NSE:VIJIFIN with a GF Score™ of 74/100 and a GF Value™ of ₹5.14 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 530 Credit Services companies, Viji Finance ranks better than 88.87% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Viji Finance's Net Income for the
three
months ended in Mar. 2026 was ₹21.46 Mil. Viji Finance's Revenue for the
three
months ended in Mar. 2026 was ₹23.48 Mil. Therefore, Viji Finance's net margin for the quarter that ended in Mar. 2026 was 91.39%.
The historical rank and industry rank for Viji Finance's Net Margin % or its related term are showing as below:
NSE:VIJIFIN'
s Net Margin % Range Over the Past 10 Years
Min: 6.24 Med: 28.43 Max: 60.45
Current: 52.37
NSE:VIJIFIN's Net Margin % is ranked better than 88.87% of 530
companies
in the Credit Services industry
Industry Median: 14.76
vs NSE:VIJIFIN: 52.37
Viji Finance (NSE:VIJIFIN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Viji Finance Net Margin % Related Terms
Viji Finance Net Margin % Historical Data
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The historical data trend for Viji Finance's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:VIJIFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Viji Finance's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Viji Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Viji Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Viji Finance's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Viji Finance (NSE:VIJIFIN) has a Net Margin % of 91.39% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Viji Finance and its competitors. This is 221% above median its historical median of 28.43. Over the past decade, Viji Finance's Net Margin % has ranged from 6.24 to 60.45. According to the industry distribution chart, Viji Finance ranks #59 out of 530 companies in the Credit Services industry, placing it in the top 11.1%.
Is Viji Finance's Net Margin % too high?
Viji Finance's current Net Margin % of 91.39% is 221% above median its 10-year median of 28.43. Over the past 10 years, this metric has ranged from a low of 6.24 to a high of 60.45. The Credit Services industry median Net Margin % is 14.76. Viji Finance's value of 91.39% is 519.2% above this industry median. Based on the distribution chart, Viji Finance ranks #59 out of 530 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Viji Finance has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Viji Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Viji Finance ranks #59 out of 530 companies for Net Margin %. This places Viji Finance in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 14.76. Viji Finance's value of 91.39% is 519.2% above this benchmark. Historically, Viji Finance's own Net Margin % has ranged from 6.24 to 60.45 over the past decade. While the company's 10-year median is 28.43 vs. the industry median of 14.76, Viji Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.76, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Viji Finance's current Net Margin % of 91.39% is 519.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Viji Finance and its competitors. For the Credit Services industry, the median Net Margin % is 14.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viji Finance's current Net Margin % is 91.39%, which is 221% above median its own 10-year median of 28.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viji Finance stock overvalued right now?
Based on GuruFocus' analysis, Viji Finance (NSE:VIJIFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.14, compared to a current price of ₹6.95 — trading 35.2% above its estimated fair value. The current Net Margin % is 91.39%, which is 221% above median its 10-year median of 28.43 and 519.2% above the Credit Services industry median of 14.76. Viji Finance's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Viji Finance (NSE:VIJIFIN), the current Net Margin % is 91.39% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Viji Finance (NSE:VIJIFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Viji Finance stock appears to be overvalued.
The current stock price of ₹6.95 is trading 35.2% above its estimated GF Value™ of ₹5.14.
GuruFocus considers Viji Finance to be Significantly Overvalued.
Key valuation signals for NSE:VIJIFIN:
Net Margin %: 91.39% (221% above median its 10-year median of 28.43)
GF Value™: ₹5.14 vs. price of ₹6.95 (35.2% above fair value)
Industry Position: 519.2% above the Credit Services median (#59 of 530)
No single metric tells the full story. See the NSE:VIJIFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viji Finance Ltd is a non-banking finance company operating in the business segment of financial services. It generates revenue from the Interest and Financial Commission. The company's services include Corporate Finance, Infrastructure Finance, Retail loans, and Personal Finance. It serves individuals and corporations. The firm caters to individuals and corporations by providing them with customized financial products and services that give them access to low-cost finance.
74GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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