KJMC Financial Services Ltd

KJMC Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

KJMC Financial Services Ltd

₹ 96.5 -1.95%
10 Jun - close price
kjmc.com BSE: 530235
About

Incorporated in 1988, KJMC Finserv Group is a NBFC which is engaged in the business of lending across retail, MSME and commercial customers.

Key Points

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]

Website BSE
  • Market Cap ₹ 46.2 Cr.
  • Current Price ₹ 96.5
  • High / Low ₹ 194 / 60.6
  • Stock P/E 54.3
  • Book Value ₹ 362
  • Dividend Yield 0.00 %
  • ROCE 1.36 %
  • ROE 0.56 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.27 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 0.23% over last 3 years.
  • Company's cost of borrowing seems high

* 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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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
0.69 0.37 1.20 0.72 0.64 1.05 1.32 1.08 1.18 1.58 2.02 1.27 0.05
0.70 0.79 0.51 0.77 0.75 0.68 0.43 0.57 0.66 0.73 0.67 0.94 0.44
Operating Profit -0.01 -0.42 0.69 -0.05 -0.11 0.37 0.89 0.51 0.52 0.85 1.35 0.33 -0.39
OPM % -1.45% -113.51% 57.50% -6.94% -17.19% 35.24% 67.42% 47.22% 44.07% 53.80% 66.83% 25.98% -780.00%
0.04 0.04 0.05 0.05 0.05 0.01 0.07 0.01 0.05 0.10 0.09 0.09 0.17
Interest 0.13 0.12 0.17 0.22 0.24 0.21 0.18 0.10 0.20 0.19 0.16 0.25 0.24
Depreciation 0.05 0.04 0.04 0.05 0.07 0.06 0.06 0.06 0.12 0.11 0.11 0.11 0.11
Profit before tax -0.15 -0.54 0.53 -0.27 -0.37 0.11 0.72 0.36 0.25 0.65 1.17 0.06 -0.57
Tax % -193.33% -3.70% 26.42% 0.00% 37.84% 81.82% 13.89% 30.56% 68.00% 10.77% 35.90% 0.00% -17.54%
0.14 -0.53 0.38 -0.27 -0.51 0.02 0.59 0.23 0.02 0.56 0.74 0.03 -0.48
EPS in Rs 0.29 -1.11 0.79 -0.56 -1.07 0.04 1.23 0.48 0.04 1.17 1.55 0.06 -1.00
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0.64 1.39 2.31 2.96 6.96 2.64 2.28 1.78 3.69 3.01 4.63 4.92
0.52 0.98 1.41 2.16 5.21 2.01 2.43 2.81 2.88 2.81 2.41 2.78
Operating Profit 0.12 0.41 0.90 0.80 1.75 0.63 -0.15 -1.03 0.81 0.20 2.22 2.14
OPM % 18.75% 29.50% 38.96% 27.03% 25.14% 23.86% -6.58% -57.87% 21.95% 6.64% 47.95% 43.50%
0.12 0.09 0.06 0.04 0.07 0.11 0.09 0.18 0.10 0.11 0.14 0.45
Interest 0.09 0.16 0.21 0.40 1.14 1.34 1.32 0.93 0.98 0.76 0.69 0.84
Depreciation 0.11 0.19 0.14 0.10 0.07 0.09 0.29 0.19 0.11 0.20 0.25 0.44
Profit before tax 0.04 0.15 0.61 0.34 0.61 -0.69 -1.67 -1.97 -0.18 -0.65 1.42 1.31
Tax % -100.00% -46.67% -1.64% -32.35% 16.39% 2.90% -1.20% -22.34% 183.33% 40.00% 33.10% 29.77%
0.08 0.22 0.63 0.47 0.64 -0.83 -1.65 -1.53 -0.51 -0.92 0.86 0.85
EPS in Rs 0.23 0.56 1.40 0.98 1.34 -1.73 -3.45 -3.20 -1.07 -1.92 1.80 1.78
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: 13%
5 Years: 17%
3 Years: 10%
TTM: 6%
Compounded Profit Growth
10 Years: 14%
5 Years: 20%
3 Years: 54%
TTM: -1%
Stock Price CAGR
10 Years: 24%
5 Years: 67%
3 Years: 52%
1 Year: 46%
Return on Equity
10 Years: 0%
5 Years: 0%
3 Years: 0%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 3.49 3.91 4.49 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79
Reserves 8.34 9.21 9.84 10.32 10.96 22.48 22.17 66.68 80.13 78.73 127.09 168.29
4.01 2.67 2.48 10.45 12.07 13.19 14.23 5.03 5.65 8.41 7.23 4.41
1.30 1.32 1.15 1.81 1.38 1.81 0.90 6.16 5.05 5.24 9.79 20.62
Total Liabilities 17.14 17.11 17.96 27.37 29.20 42.27 42.09 82.66 95.62 97.17 148.90 198.11
1.77 1.55 1.44 1.35 1.30 0.37 0.36 0.19 0.85 0.92 0.70 0.54
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 11.02 10.10 11.51 19.12 18.26 26.39 25.67 74.68 86.50 87.14 142.31 194.38
4.35 5.46 5.01 6.90 9.64 15.51 16.06 7.79 8.27 9.11 5.89 3.19
Total Assets 17.14 17.11 17.96 27.37 29.20 42.27 42.09 82.66 95.62 97.17 148.90 198.11

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-1.22 -2.65 0.00 -1.41 -1.32 -0.04 -1.19 0.58 -1.24 -3.51 3.38 1.39
0.45 0.14 0.17 -6.66 0.90 8.15 1.50 2.81 1.71 0.74 -1.56 2.33
0.81 2.49 -0.03 8.03 0.45 -1.40 -0.25 -10.09 -0.36 2.83 -1.92 -3.66
Net Cash Flow 0.04 -0.01 0.14 -0.04 0.02 6.71 0.07 -6.71 0.12 0.06 -0.10 0.06

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
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 18.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days -45.62 217.95 52.14 266.35 244.38 330.44 320.18 369.10 207.72 27.89 64.64 53.41
ROCE % 0.85% 1.96% 5.03% 3.49% 6.56% 1.90% -0.86% -1.77% 0.96% 0.12% 1.83% 1.36%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.80% 73.80% 73.80% 73.80% 73.80% 73.80% 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%
24.83% 24.84% 24.83% 24.84% 24.84% 24.84% 24.23% 24.24% 24.23% 24.23% 24.23% 24.23%
No. of Shareholders 3,2623,2703,2633,2673,2303,2013,2293,2843,3953,7214,8174,770

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports