JMJ Fintech Ltd
₹ 28.8
-0.42%
11 Jun
2:00 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 ₹ 36.9 Cr.
- Current Price ₹ 28.8
- High / Low ₹ 40.0 / 18.8
- Stock P/E 7.16
- Book Value ₹ 18.5
- Dividend Yield 0.00 %
- ROCE 43.6 %
- 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
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding is low: 14.5%
- Promoter holding has decreased over last 3 years: -9.06%
- Working capital days have increased from 158 days to 474 days
* 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.
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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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1.72 | 4.50 | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | 17.15 | |
| 1.85 | 4.33 | 2.73 | 2.52 | 3.40 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | 5.89 | |
| Operating Profit | -0.13 | 0.17 | -0.66 | 0.25 | 0.01 | -0.14 | -0.38 | -0.08 | 0.05 | 0.33 | 4.89 | 11.26 |
| OPM % | -7.56% | 3.78% | -31.88% | 9.03% | 0.29% | -3.85% | -16.67% | -4.68% | 7.81% | 8.64% | 65.55% | 65.66% |
| 0.24 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 | 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 | 1.57 |
| 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 |
| 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 |
| 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 | |
| EPS in Rs | 0.09 | 0.06 | -0.55 | 0.13 | 0.02 | -0.18 | -0.31 | -0.21 | 0.04 | 0.67 | 1.73 | 4.04 |
| 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: | 14% |
| 5 Years: | 50% |
| 3 Years: | 199% |
| TTM: | 130% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 54% |
| 5 Years: | 72% |
| 3 Years: | 369% |
| TTM: | 142% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -17% |
| 5 Years: | 33% |
| 3 Years: | 32% |
| 1 Year: | 35% |
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.15 | 2.16 | 0.71 | 0.00 | 2.99 | 10.36 | 1.00 | |
| 0.07 | 0.06 | 0.60 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 1.51 | 23.42 | |
| 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 |
| 0.07 | 0.05 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.35 | 0.58 | 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 |
| 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 |
| 12.87 | 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.86 | 47.20 | |
| 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 |
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 | -5.87 | 473.54 |
| ROCE % | 1.08% | -5.40% | 1.86% | 0.08% | -1.08% | -2.78% | -0.61% | 0.42% | 2.35% | 22.66% | 43.59% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Meeting Updates
5 Jun - JMJ Fintech schedules Rights Issue Committee meeting on June 16, 2025, to decide issue price and share ratio.
-
Intimation Regarding The Opening Of A New Branch Office.
1 Jun - JMJ Fintech opens new branch at Vashi, Navi Mumbai from June 1, 2025.
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
26 May - JMJ Fintech submits Annual Secretarial Compliance Report for FY 2024-25 with past issues resolved.
-
Investor Presentation
22 May - Submission of Investor Presentation for the fourth Quarter of the FY-2024- 2025.
-
In-Principle Approval For Partly Paid-Up Equity Shares Proposed To Be Issued On A Rights Basis Has Been Received From The Bombay Stock Exchange.
2 May - JMJ Fintech gets BSE approval for partly paid-up equity shares rights issue.
Annual reports
-
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
Concalls
-
May 2025TranscriptNotesPPT
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.