KJMC Financial Services Ltd

₹ 56.0 -2.63%

03 Jun - close price

About

Incorporated in 1988, KJMC Finserv Services Ltd is in the business of lending.^[1]

Key Points

Business Overview:^[1]^[2]^[3]
KJMCFSL is a non-systemically important, non-deposit-taking NBFC engaged in investment and trading activities, with a diversified lending portfolio across retail, MSME, and commercial customers. The company is expanding investments in listed and unlisted equities, bonds, REITs, and indices, both directly and via PMS and AIF structures.

Website BSE

Market Cap ₹ 26.8 Cr.
Current Price ₹ 56.0
High / Low ₹ 108 / 41.2
Stock P/E 16.4
Book Value ₹ 176
Dividend Yield 0.00 %
ROCE 2.99 %
ROE 1.46 %
Face Value ₹ 10.0

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Pros

Stock is trading at 0.32 times its book value
Company's working capital requirements have reduced from 54.7 days to 32.0 days

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of 1.03% 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	0.64	1.05	1.32	1.08	1.18	1.58	2.02	1.27	0.05	2.14	1.57	1.38	0.85
Interest	0.23	0.20	0.18	0.10	0.20	0.19	0.16	0.25	0.24	0.18	0.26	0.43	0.39
	0.74	0.68	0.44	0.56	0.66	0.72	0.67	0.93	0.43	0.51	0.63	0.59	0.53
Financing Profit	-0.33	0.17	0.70	0.42	0.32	0.67	1.19	0.09	-0.62	1.45	0.68	0.36	-0.07
Financing Margin %	-51.56%	16.19%	53.03%	38.89%	27.12%	42.41%	58.91%	7.09%	-1,240.00%	67.76%	43.31%	26.09%	-8.24%
	0.06	0.01	0.01	0.01	0.04	0.03	0.03	0.03	0.21	0.07	0.18	0.07	0.07
Depreciation	0.07	0.06	0.06	0.06	0.12	0.11	0.11	0.11	0.11	0.10	0.10	0.14	0.13
Profit before tax	-0.34	0.12	0.65	0.37	0.24	0.59	1.11	0.01	-0.52	1.42	0.76	0.29	-0.13
Tax %	41.18%	75.00%	15.38%	29.73%	70.83%	11.86%	36.94%	0.00%	-19.23%	24.65%	25.00%	48.28%	30.77%
	-0.48	0.03	0.55	0.25	0.08	0.52	0.70	0.00	-0.42	1.08	0.56	0.16	-0.17
EPS in Rs	-1.00	0.06	1.15	0.52	0.17	1.09	1.46	0.00	-0.88	2.26	1.17	0.33	-0.36
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	1.25	2.19	2.81	6.92	2.63	2.27	1.78	3.65	3.01	4.63	4.92	5.93
Interest	0.16	0.21	0.40	1.23	1.30	1.18	0.79	0.86	0.71	0.68	0.84	1.26
	0.88	1.29	2.03	5.09	2.00	2.43	2.82	2.86	2.81	2.33	2.74	2.26
Financing Profit	0.21	0.69	0.38	0.60	-0.67	-1.34	-1.83	-0.07	-0.51	1.62	1.34	2.41
Financing Margin %	16.80%	31.51%	13.52%	8.67%	-25.48%	-59.03%	-102.81%	-1.92%	-16.94%	34.99%	27.24%	40.64%
	0.09	0.06	0.02	0.07	0.11	0.09	0.18	0.08	0.08	0.06	0.30	0.40
Depreciation	0.19	0.14	0.10	0.07	0.09	0.29	0.19	0.11	0.20	0.30	0.44	0.46
Profit before tax	0.11	0.61	0.30	0.60	-0.65	-1.54	-1.84	-0.10	-0.63	1.38	1.20	2.35
Tax %	-63.64%	-1.64%	-36.67%	16.67%	4.62%	-1.95%	-23.91%	330.00%	41.27%	34.06%	32.50%	30.64%
	0.18	0.63	0.42	0.50	-0.69	-1.51	-1.40	-0.43	-0.89	0.90	0.81	1.63
EPS in Rs	0.46	1.40	0.88	1.04	-1.44	-3.16	-2.93	-0.90	-1.86	1.88	1.69	3.41
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:	10%
5 Years:	27%
3 Years:	25%
TTM:	21%

Compounded Profit Growth
10 Years:	10%
5 Years:	26%
3 Years:	56%
TTM:	101%

Stock Price CAGR
10 Years:	17%
5 Years:	30%
3 Years:	19%
1 Year:	-39%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	1%
Last Year:	1%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	3.91	4.49	4.79	4.79	4.79	4.79	4.79	4.79	4.79	4.79	4.79	4.79
Reserves	9.38	10.01	10.43	10.93	19.94	19.46	54.24	65.53	64.11	103.16	134.87	79.33
Borrowing	2.67	2.48	9.35	11.97	12.04	12.96	3.71	5.10	7.82	7.23	4.41	13.66
	7.56	7.38	2.77	2.34	1.89	0.91	6.15	5.06	5.22	9.78	20.62	11.08
Total Liabilities	23.52	24.36	27.34	30.03	38.66	38.12	68.89	80.48	81.94	124.96	164.69	108.86
	0.47	0.37	0.27	0.22	0.37	0.36	0.19	0.85	0.92	0.70	0.54	1.12
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
Investments	20.20	21.64	22.45	22.34	22.83	21.72	60.94	71.40	71.96	118.41	160.94	96.27
	2.85	2.35	4.62	7.47	15.46	16.04	7.76	8.23	9.06	5.85	3.21	11.47
Total Assets	23.52	24.36	27.34	30.03	38.66	38.12	68.89	80.48	81.94	124.96	164.69	108.86

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-2.50	0.03	-1.67	-1.40	-3.65	-1.23	0.57	-1.28	-2.58	4.30	1.33
	0.00	-0.03	0.00	-0.01	12.91	1.54	2.72	0.86	-0.21	-3.06	2.40
	2.49	-0.01	1.64	1.42	-2.39	-0.23	-10.01	0.54	2.83	-1.31	-3.66
Net Cash Flow	-0.01	-0.01	-0.03	0.01	6.87	0.07	-6.72	0.12	0.04	-0.07	0.07
Free Cash Flow	-2.50	0.00	-1.67	-1.41	-3.86	-1.24	0.55	-2.05	-2.85	4.27	1.30
CFO/OP	-673%	6%	-228%	-72%	-551%	700%	-75%	-158%	-1,290%	191%	66%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	1.42%	4.53%	2.83%	3.23%	-3.41%	-6.17%	-3.36%	-0.66%	-1.28%	1.02%	0.65%	1.46%

Insights

In beta

Mar 2014

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Standalone Loan Book Outstanding
INR in '000

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Gross Non-Performing Assets (NPA)
INR in '000

Number of Permanent Employees
Number

Total Standalone Investments
INR in '000

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Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	73.80%	73.80%	74.40%	74.40%	74.40%	74.40%	74.40%	74.40%	74.40%	74.40%	74.40%	74.40%
	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%
	24.84%	24.84%	24.23%	24.24%	24.23%	24.23%	24.23%	24.23%	24.23%	24.22%	24.24%	24.23%
No. of Shareholders	3,230	3,201	3,229	3,284	3,395	3,721	4,817	4,770	4,720	4,815	4,939	4,965

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	69.10%	69.10%	69.10%	69.10%	71.60%	73.80%	73.80%	74.40%	74.40%	74.40%
	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%	1.37%
	0.15%	0.15%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	29.39%	29.39%	29.53%	29.53%	27.04%	24.83%	24.84%	24.24%	24.23%	24.23%
No. of Shareholders	3,686	3,598	3,601	3,573	3,231	3,251	3,267	3,284	4,770	4,965

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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KJMC Financial Services Ltd

KJMC Financial Services Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports