JMJ Fintech Ltd
₹ 17.3
1.95%
02 Dec
4:01 p.m.
About
Incorporated in 1982, JMJ Fintech Ltd
is in the business of providing loans and
investing/ trading of shares[1]
Key Points
- Market Cap ₹ 32.0 Cr.
- Current Price ₹ 17.3
- High / Low ₹ 21.2 / 11.0
- Stock P/E 5.52
- Book Value ₹ 9.08
- Dividend Yield 1.45 %
- ROCE 31.2 %
- ROE 26.4 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company is expected to give good quarter
- Company has delivered good profit growth of 72.5% CAGR over last 5 years
Cons
- Promoter holding is low: 23.3%
* 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.
Loading peers table ...
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.72 | 4.50 | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | 17.15 | 21.11 | |
| 1.85 | 4.33 | 2.73 | 2.52 | 3.40 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | 5.88 | 8.22 | |
| Operating Profit | -0.13 | 0.17 | -0.66 | 0.25 | 0.01 | -0.14 | -0.38 | -0.08 | 0.05 | 0.33 | 4.89 | 11.27 | 12.89 |
| OPM % | -7.56% | 3.78% | -31.88% | 9.03% | 0.29% | -3.85% | -16.67% | -4.68% | 7.81% | 8.64% | 65.55% | 65.71% | 61.06% |
| 0.24 | -0.00 | -0.00 | -0.00 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | 0.73 | -0.00 | -0.00 | 0.00 | |
| Interest | -0.00 | -0.00 | -0.00 | 0.01 | 0.01 | 0.08 | 0.01 | 0.13 | -0.00 | 0.06 | 0.85 | 1.58 | 2.34 |
| Depreciation | 0.01 | 0.03 | 0.02 | 0.02 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | 0.02 | 0.18 | 0.24 | 0.27 |
| Profit before tax | 0.10 | 0.14 | -0.68 | 0.22 | -0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.98 | 3.86 | 9.45 | 10.28 |
| Tax % | -20.00% | 57.14% | -0.00% | 31.82% | -0.00% | -0.00% | 28.57% | -0.00% | 16.33% | 44.56% | 45.40% | ||
| 0.11 | 0.07 | -0.68 | 0.16 | 0.03 | -0.22 | -0.39 | -0.26 | 0.05 | 0.83 | 2.14 | 5.17 | 5.79 | |
| EPS in Rs | 0.03 | 0.02 | -0.18 | 0.04 | 0.01 | -0.06 | -0.10 | -0.07 | 0.01 | 0.22 | 0.58 | 1.35 | 1.51 |
| Dividend Payout % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | 6.19% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 50% |
| 3 Years: | 199% |
| TTM: | 67% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 54% |
| 5 Years: | 72% |
| 3 Years: | 369% |
| TTM: | 16% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -19% |
| 5 Years: | 67% |
| 3 Years: | 25% |
| 1 Year: | 5% |
| Return on Equity | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 10% |
| 3 Years: | 16% |
| Last Year: | 26% |
Balance Sheet
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.80 | 20.48 |
| Reserves | 0.47 | 0.54 | -0.14 | 0.02 | 0.05 | -0.17 | -0.56 | -0.82 | -0.77 | 0.26 | 3.17 | 10.83 | 14.40 |
| -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | 1.15 | 2.16 | 0.71 | -0.00 | 2.99 | 10.36 | 21.07 | -0.00 | |
| 0.07 | 0.06 | 0.60 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 1.51 | 3.35 | 31.72 | |
| Total Liabilities | 12.94 | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 48.05 | 66.60 |
| 0.07 | 0.05 | 0.03 | 0.01 | -0.00 | -0.00 | -0.00 | -0.00 | 0.03 | 0.35 | 0.58 | 0.85 | 0.85 | |
| 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 | -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 |
| 12.87 | 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.86 | 47.20 | 65.75 | |
| Total Assets | 12.94 | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 48.05 | 66.60 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -10.11 | 0.91 | -0.66 | 0.07 | 1.07 | -2.33 | -0.13 | 1.56 | 2.27 | -2.63 | -8.36 | -9.33 | |
| -0.07 | -0.00 | -0.00 | -0.00 | 0.02 | -0.00 | -1.00 | -0.00 | -0.03 | -0.79 | -0.19 | -0.52 | |
| 10.16 | -0.07 | -0.02 | -0.02 | -0.00 | 1.15 | 1.01 | -1.46 | -0.71 | 2.99 | 7.37 | 11.71 | |
| Net Cash Flow | -0.02 | 0.84 | -0.68 | 0.05 | 1.09 | -1.18 | -0.12 | 0.11 | 1.54 | -0.42 | -1.18 | 1.86 |
Ratios
Figures in Rs. Crores
| 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 | 4.24 | 1.62 | -0.00 | -0.00 | -0.00 | -0.00 | 8.00 | 179.30 | 136.88 | -0.00 | -0.00 | -0.00 |
| Inventory Days | 1,036.13 | 361.38 | 708.53 | 188.79 | 208.11 | 383.25 | 357.07 | 266.73 | 405.56 | -0.00 | ||
| Days Payable | 9.42 | 3.62 | 118.09 | 1.40 | -0.00 | -0.00 | -0.00 | -0.00 | 94.63 | |||
| Cash Conversion Cycle | 1,030.95 | 359.38 | 590.44 | 187.39 | 208.11 | 383.25 | 365.07 | 446.03 | 447.80 | -0.00 | -0.00 | -0.00 |
| Working Capital Days | 937.97 | 970.09 | 2,114.18 | 1,599.68 | 1,191.33 | 291.80 | 249.74 | 320.18 | 342.19 | 7.64 | 4.40 | -14.26 |
| ROCE % | 1.08% | -5.40% | 1.86% | 0.08% | -1.08% | -2.78% | -0.61% | 0.42% | 2.35% | 22.66% | 31.23% |
Documents
Announcements
-
Board Meeting Intimation for Meeting To Be Held On Wednesday, 03Rd December 2025.
24 Nov - Board meeting Dec 03, 2025 to approve first and final call on 2,56,00,000 partly-paid shares.
-
Investor Presentation
15 Nov - Submission of Investor Presentation for the Second Quarter of the FY-2025-26.
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
13 Nov - Submission of Newspaper Publication of the unaudited Financial Results as on 30th September 2025.
-
Statement Of Deviation For The Quarter Ended 30Th September 2025.
12 Nov - No deviation in Rights Issue proceeds; Rs.8,06,40,000 raised Aug 21,2025.
- Unaudited Financial Results For The Quarter And Half-Year Ended 30Th September 2025. 12 Nov
Annual reports
-
Financial Year 2025
from bse
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
Services Offered:[1]
a) NBFC Activities:
Company is working as a Non-Deposit
taking Non-Banking Financial Company
that provide loans to both Corporate
Clients and HNIs against security and guarantee (by pledging of shares, immovable properties, bank guarantees, etc.) and are provided only after entering into an agreement for the same.