KJMC Financial Services Ltd

₹ 55.7 -1.07%

23 Apr - close price

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 ₹ 26.7 Cr.
Current Price ₹ 55.7
High / Low ₹ 70.0 / 30.0
Stock P/E 80.8
Book Value ₹ 242
Dividend Yield 0.00 %
ROCE 0.12 %
ROE -1.09 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Stock is trading at 0.23 times its book value
Company's working capital requirements have reduced from 202 days to 27.9 days

Cons

The company has delivered a poor sales growth of -15.4% over past five years.
Company has a low return on equity of -1.40% 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

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
	0.33	0.49	0.37	1.36	1.22	0.69	0.37	1.20	0.72	0.64	1.05	1.32	1.08
	0.87	0.81	0.57	1.02	0.61	0.70	0.79	0.51	0.77	0.75	0.68	0.43	0.57
Operating Profit	-0.54	-0.32	-0.20	0.34	0.61	-0.01	-0.42	0.69	-0.05	-0.11	0.37	0.89	0.51
OPM %	-163.64%	-65.31%	-54.05%	25.00%	50.00%	-1.45%	-113.51%	57.50%	-6.94%	-17.19%	35.24%	67.42%	47.22%
	0.02	0.09	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.01	0.07	0.01
Interest	0.15	0.17	0.13	0.32	0.39	0.13	0.12	0.17	0.22	0.24	0.21	0.18	0.10
Depreciation	0.02	0.02	0.01	0.02	0.03	0.05	0.04	0.04	0.05	0.07	0.06	0.06	0.06
Profit before tax	-0.69	-0.42	-0.30	0.04	0.23	-0.15	-0.54	0.53	-0.27	-0.37	0.11	0.72	0.36
Tax %	0.00%	109.52%	-206.67%	0.00%	4.35%	193.33%	3.70%	26.42%	0.00%	-37.84%	81.82%	13.89%	30.56%
	-0.68	0.04	-0.92	0.04	0.23	0.14	-0.53	0.38	-0.27	-0.51	0.02	0.59	0.23
EPS in Rs	-1.42	0.08	-1.92	0.08	0.48	0.29	-1.11	0.79	-0.56	-1.07	0.04	1.23	0.48
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	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
	0.59	0.40	0.64	1.39	2.31	2.96	6.96	2.64	2.28	1.78	3.69	3.01	4.09
	0.31	0.36	0.52	0.98	1.41	2.16	5.21	2.01	2.43	2.81	2.88	2.81	2.43
Operating Profit	0.28	0.04	0.12	0.41	0.90	0.80	1.75	0.63	-0.15	-1.03	0.81	0.20	1.66
OPM %	47.46%	10.00%	18.75%	29.50%	38.96%	27.03%	25.14%	23.86%	-6.58%	-57.87%	21.95%	6.64%	40.59%
	0.10	0.10	0.12	0.09	0.06	0.04	0.07	0.11	0.09	0.18	0.10	0.11	0.14
Interest	0.06	0.06	0.09	0.16	0.21	0.40	1.14	1.34	1.32	0.93	0.98	0.76	0.73
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	0.27	0.04	0.04	0.15	0.61	0.34	0.61	-0.69	-1.67	-1.97	-0.18	-0.65	0.82
Tax %	11.11%	-150.00%	-100.00%	-46.67%	-1.64%	-32.35%	16.39%	-2.90%	1.20%	22.34%	-183.33%	-40.00%
	0.25	0.10	0.08	0.22	0.63	0.47	0.64	-0.83	-1.65	-1.53	-0.51	-0.92	0.33
EPS in Rs	0.80	0.32	0.23	0.56	1.40	0.98	1.34	-1.73	-3.45	-3.20	-1.07	-1.92	0.68
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:	37%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	13%
TTM:	218%

Stock Price CAGR
10 Years:	13%
5 Years:	19%
3 Years:	61%
1 Year:	92%

Return on Equity
10 Years:	-1%
5 Years:	-2%
3 Years:	-1%
Last Year:	-1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	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	7.93	7.91	8.34	9.21	9.84	10.32	10.96	22.48	22.17	66.68	80.13	78.73	110.91
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	10.45	12.07	13.19	14.23	5.03	5.65	8.41	7.37
	2.23	2.30	2.15	2.20	1.45	1.81	1.38	1.81	0.90	6.16	5.05	5.24	8.19
Total Liabilities	15.80	16.26	17.14	17.11	17.96	27.37	29.20	42.27	42.09	82.66	95.62	97.17	131.26
	1.62	1.33	1.77	1.55	1.44	1.35	1.30	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	9.81	9.72	11.02	10.10	11.51	19.12	18.26	26.39	25.67	74.68	86.50	87.14	122.28
	4.37	5.21	4.35	5.46	5.01	6.90	9.64	15.51	16.06	7.79	8.27	9.11	8.18
Total Assets	15.80	16.26	17.14	17.11	17.96	27.37	29.20	42.27	42.09	82.66	95.62	97.17	131.26

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
	1.62	0.27	-1.22	-2.65	0.00	-1.41	-1.32	-0.04	-1.19	0.58	-1.24	-3.51
	-1.34	-0.60	0.45	0.14	0.17	-6.66	0.90	8.15	1.50	2.81	1.71	0.74
	-1.18	0.23	0.81	2.49	-0.03	8.03	0.45	-1.40	-0.25	-10.09	-0.36	2.83
Net Cash Flow	-0.90	-0.10	0.04	-0.01	0.14	-0.04	0.02	6.71	0.07	-6.71	0.12	0.06

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	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	-24.75	574.88	-45.62	217.95	52.14	266.35	244.38	330.44	320.18	369.10	207.72	27.89
ROCE %	2.36%	0.68%	0.85%	1.96%	5.03%	3.49%	6.56%	1.90%	-0.86%	-1.77%	0.96%	0.12%

Shareholding Pattern

Numbers in percentages

	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
	73.21%	73.80%	73.80%	73.80%	73.80%	73.80%	73.80%	73.80%	73.80%	73.80%	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%
	25.42%	24.83%	24.83%	24.83%	24.83%	24.84%	24.83%	24.84%	24.84%	24.84%	24.23%	24.24%
No. of Shareholders	3,215	3,261	3,218	3,251	3,262	3,270	3,263	3,267	3,230	3,201	3,229	3,284

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	69.10%	69.10%	69.10%	69.10%	71.60%	73.80%	73.80%	74.40%
	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%
	29.39%	29.39%	29.53%	29.53%	27.04%	24.83%	24.84%	24.24%
No. of Shareholders	3,686	3,598	3,601	3,573	3,231	3,251	3,267	3,284

* 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

Shareholding Pattern

Documents

Announcements

Annual reports