KJMC Financial Services Ltd
Incorporated in 1988, KJMC Finserv Group is a NBFC which is engaged in the business of lending across retail, MSME and commercial customers.
- Market Cap ₹ 32.7 Cr.
- Current Price ₹ 68.4
- High / Low ₹ 70.0 / 30.1
- Stock P/E 93.5
- Book Value ₹ 198
- Dividend Yield 0.00 %
- ROCE 0.11 %
- ROE -1.28 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.35 times its book value
- Company's working capital requirements have reduced from 201 days to 27.9 days
Cons
- The company has delivered a poor sales growth of -15.3% over past five years.
- Company has a low return on equity of -1.55% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
0.56 | 0.40 | 0.61 | 1.25 | 2.19 | 2.81 | 6.92 | 2.63 | 2.27 | 1.78 | 3.65 | 3.01 | 4.09 | |
0.25 | 0.30 | 0.45 | 0.88 | 1.29 | 2.03 | 5.09 | 2.00 | 2.43 | 2.82 | 2.86 | 2.81 | 2.42 | |
Operating Profit | 0.31 | 0.10 | 0.16 | 0.37 | 0.90 | 0.78 | 1.83 | 0.63 | -0.16 | -1.04 | 0.79 | 0.20 | 1.67 |
OPM % | 55.36% | 25.00% | 26.23% | 29.60% | 41.10% | 27.76% | 26.45% | 23.95% | -7.05% | -58.43% | 21.64% | 6.64% | 40.83% |
0.09 | 0.08 | 0.11 | 0.09 | 0.06 | 0.02 | 0.07 | 0.11 | 0.09 | 0.18 | 0.08 | 0.08 | 0.09 | |
Interest | 0.06 | 0.06 | 0.09 | 0.16 | 0.21 | 0.40 | 1.23 | 1.30 | 1.18 | 0.79 | 0.86 | 0.71 | 0.71 |
Depreciation | 0.05 | 0.04 | 0.11 | 0.19 | 0.14 | 0.10 | 0.07 | 0.09 | 0.29 | 0.19 | 0.11 | 0.20 | 0.25 |
Profit before tax | 0.29 | 0.08 | 0.07 | 0.11 | 0.61 | 0.30 | 0.60 | -0.65 | -1.54 | -1.84 | -0.10 | -0.63 | 0.80 |
Tax % | 10.34% | -75.00% | -57.14% | -63.64% | -1.64% | -36.67% | 16.67% | -4.62% | 1.95% | 23.91% | -330.00% | -41.27% | |
0.27 | 0.14 | 0.10 | 0.18 | 0.63 | 0.42 | 0.50 | -0.69 | -1.51 | -1.40 | -0.43 | -0.89 | 0.35 | |
EPS in Rs | 0.86 | 0.45 | 0.29 | 0.46 | 1.40 | 0.88 | 1.04 | -1.44 | -3.16 | -2.93 | -0.90 | -1.86 | 0.73 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 22% |
5 Years: | -15% |
3 Years: | 10% |
TTM: | 39% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 12% |
TTM: | 240% |
Stock Price CAGR | |
---|---|
10 Years: | 15% |
5 Years: | 24% |
3 Years: | 82% |
1 Year: | 107% |
Return on Equity | |
---|---|
10 Years: | -1% |
5 Years: | -2% |
3 Years: | -2% |
Last Year: | -1% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 3.14 | 3.14 | 3.49 | 3.91 | 4.49 | 4.79 | 4.79 | 4.79 | 4.79 | 4.79 | 4.79 | 4.79 | 4.79 |
Reserves | 8.06 | 8.09 | 8.54 | 9.38 | 10.01 | 10.43 | 10.93 | 19.94 | 19.46 | 54.24 | 65.53 | 64.11 | 90.08 |
Preference Capital | 0.85 | 0.85 | 0.85 | 0.88 | 0.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
2.50 | 2.91 | 3.16 | 1.79 | 2.18 | 9.35 | 11.97 | 12.04 | 12.96 | 3.71 | 5.10 | 7.82 | 7.37 | |
6.06 | 7.42 | 5.49 | 8.44 | 7.68 | 2.77 | 2.34 | 1.89 | 0.91 | 6.15 | 5.06 | 5.22 | 8.18 | |
Total Liabilities | 19.76 | 21.56 | 20.68 | 23.52 | 24.36 | 27.34 | 30.03 | 38.66 | 38.12 | 68.89 | 80.48 | 81.94 | 110.42 |
0.54 | 0.80 | 0.69 | 0.47 | 0.37 | 0.27 | 0.22 | 0.37 | 0.36 | 0.19 | 0.85 | 0.92 | 0.80 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 17.63 | 18.35 | 18.29 | 20.20 | 21.64 | 22.45 | 22.34 | 22.83 | 21.72 | 60.94 | 71.40 | 71.96 | 101.48 |
1.59 | 2.41 | 1.70 | 2.85 | 2.35 | 4.62 | 7.47 | 15.46 | 16.04 | 7.76 | 8.23 | 9.06 | 8.14 | |
Total Assets | 19.76 | 21.56 | 20.68 | 23.52 | 24.36 | 27.34 | 30.03 | 38.66 | 38.12 | 68.89 | 80.48 | 81.94 | 110.42 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
0.09 | 0.31 | -1.35 | -2.50 | 0.03 | -1.67 | -1.40 | -3.65 | -1.23 | 0.57 | -1.28 | -2.58 | |
2.26 | -0.63 | 0.55 | 0.00 | -0.03 | 0.00 | -0.01 | 12.91 | 1.54 | 2.72 | 0.86 | -0.21 | |
-3.25 | 0.23 | 0.82 | 2.49 | -0.01 | 1.64 | 1.42 | -2.39 | -0.23 | -10.01 | 0.54 | 2.83 | |
Net Cash Flow | -0.90 | -0.09 | 0.02 | -0.01 | -0.01 | -0.03 | 0.01 | 6.87 | 0.07 | -6.72 | 0.12 | 0.04 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | 18.80 | |||||||||||
Days Payable | 0.00 | |||||||||||
Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 18.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | -19.55 | 547.50 | -41.89 | 245.28 | 51.67 | 272.78 | 243.68 | 330.30 | 323.19 | 367.05 | 208.00 | 27.89 |
ROCE % | 1.83% | 0.95% | 1.03% | 1.69% | 4.98% | 3.37% | 7.00% | 2.02% | -0.97% | -2.10% | 1.10% | 0.11% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Resignation of Company Secretary / Compliance Officer
19 Apr - Mr. Behla M Tambawala has tendered resignation from the position of Company Secretary & Compliance Officer with immediate effect and is hereby relieved from the …
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Compliance Certificate Issued Under Regulation 40(9) Of SEBI (LODR) Regulations, 2015
17 Apr - With reference to captioned subject, please find enclosed Compliance Certificate issued under Regulation 40(9) of SEBI (LODR), Regulations, 2015, issued by Rathi & Associates, PCS, …
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Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
8 Apr - In accordance with Regulation 74(5) of SEBI (DP) Regulations, 2018, please find attached herewith certificate received from our RTA for the quarter ended March 31, …
- Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A 5 Apr
- Compliances-Compliance Certificate For The Period Ended 31 March 2024. 4 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Product Portfolio:[1]
a) Loan for purchase of Two Wheelers: Company provides loans for purchase of Two wheelers which are used for personal or business purpose. Finance is provided for buying new & used two-wheelers. Loans on two-wheelers is provided on product-specific interest rates and fees.
b) MSME Loans: Company provides unsecured small ticket business loan which covers funding needs of a business
c) Investments: Company provides investment in financial market through Mutual Funds, Equity Shares, Derivatives, Bonds, etc.[2]