JMJ Fintech Ltd

JMJ Fintech Ltd

₹ 20.6 1.38%
18 Jun - close price
About

Incorporated in 1982, JMJ Fintech Ltd
is in the business of providing loans and
investing/ trading of shares[1]

Key Points

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.

  • Market Cap 25.6 Cr.
  • Current Price 20.6
  • High / Low 32.3 / 12.1
  • Stock P/E 12.0
  • Book Value 12.6
  • Dividend Yield 0.00 %
  • ROCE 29.9 %
  • ROE 15.2 %
  • Face Value 10.0

Pros

  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 23.6%
  • Company has a low return on equity of 6.07% over last 3 years.
  • Working capital days have increased from 516 days to 1,198 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

Loading peers table ...

Quarterly Results

Figures in Rs. Crores

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
0.21 0.21 0.08 0.16 0.19 0.07 0.23 2.75 0.78 0.78 1.48 2.14 3.07
0.53 0.26 0.37 -0.41 0.37 0.20 -0.40 2.56 0.39 0.47 0.52 0.64 0.94
Operating Profit -0.32 -0.05 -0.29 0.57 -0.18 -0.13 0.63 0.19 0.39 0.31 0.96 1.50 2.13
OPM % -152.38% -23.81% -362.50% 356.25% -94.74% -185.71% 273.91% 6.91% 50.00% 39.74% 64.86% 70.09% 69.38%
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
Interest 0.13 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.05 0.12 0.18 0.25 0.31
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.18
Profit before tax -0.45 -0.05 -0.29 0.57 -0.18 -0.13 0.63 0.17 0.32 0.19 0.78 1.25 1.64
Tax % -2.22% 0.00% 0.00% 26.32% 83.33% 23.08% 0.00% 17.65% 50.00% 0.00% 41.03% 17.60% 72.56%
-0.45 -0.05 -0.29 0.42 -0.04 -0.10 0.63 0.14 0.16 0.19 0.46 1.03 0.46
EPS in Rs -0.36 -0.04 -0.23 0.34 -0.03 -0.08 0.51 0.11 0.13 0.15 0.37 0.83 0.37
Raw PDF

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
1.72 4.50 2.07 2.77 3.41 3.64 2.28 1.71 0.64 3.82 7.46
1.85 4.33 2.73 2.52 3.40 3.78 2.66 1.79 0.59 3.49 2.57
Operating Profit -0.13 0.17 -0.66 0.25 0.01 -0.14 -0.38 -0.08 0.05 0.33 4.89
OPM % -7.56% 3.78% -31.88% 9.03% 0.29% -3.85% -16.67% -4.68% 7.81% 8.64% 65.55%
0.24 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.73 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
Depreciation 0.01 0.03 0.02 0.02 0.01 0.00 0.00 0.00 0.00 0.02 0.18
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
Tax % -20.00% 57.14% 0.00% 31.82% 0.00% 0.00% -28.57% 0.00% 16.33% 44.56%
0.11 0.07 -0.68 0.16 0.03 -0.22 -0.39 -0.26 0.05 0.83 2.14
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
Dividend Payout % 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: 16%
5 Years: 15%
3 Years: 63%
TTM: 95%
Compounded Profit Growth
10 Years: 35%
5 Years: 64%
3 Years: 117%
TTM: 1845%
Stock Price CAGR
10 Years: %
5 Years: 14%
3 Years: 69%
1 Year: 25%
Return on Equity
10 Years: 1%
5 Years: 3%
3 Years: 6%
Last Year: 15%

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
Equity Capital 12.40 12.40 12.40 12.40 12.40 12.40 12.40 12.40 12.40 12.40 12.40
Reserves 0.47 0.54 -0.14 0.02 0.05 -0.17 -0.56 -0.82 -0.77 0.26 3.17
0.00 0.00 0.00 0.00 0.00 1.15 2.16 0.71 0.00 2.99 0.31
0.07 0.06 0.60 0.13 0.04 0.04 0.03 0.09 0.17 0.16 11.57
Total Liabilities 12.94 13.00 12.86 12.55 12.49 13.42 14.03 12.38 11.80 15.81 27.45
0.07 0.05 0.03 0.01 0.00 0.00 0.00 0.00 0.03 0.35 0.58
CWIP 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
12.87 12.95 12.83 12.54 12.49 13.42 14.03 12.38 11.77 15.46 26.87
Total Assets 12.94 13.00 12.86 12.55 12.49 13.42 14.03 12.38 11.80 15.81 27.45

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
-10.11 0.91 -0.66 0.07 1.07 -2.33 -0.13 1.56 2.27 -2.63 -8.36
-0.07 0.00 0.00 0.00 0.02 0.00 -1.00 0.00 -0.03 -0.79 -0.19
10.16 -0.07 -0.02 -0.02 0.00 1.15 1.01 -1.46 -0.71 2.99 7.37
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

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
Debtor Days 4.24 1.62 0.00 0.00 0.00 0.00 8.00 179.30 136.88 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
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 1,198.24
ROCE % 1.08% -5.40% 1.86% 0.08% -1.08% -2.78% -0.61% 0.42% 2.35%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
2.48% 2.48% 23.56% 23.56% 23.56% 23.56% 23.56% 23.56% 23.56% 23.56% 23.56% 23.56%
97.53% 97.53% 76.44% 76.44% 76.44% 76.44% 76.44% 76.44% 76.44% 76.44% 76.44% 76.43%
No. of Shareholders 3,9803,9584,1474,1394,0894,0093,9283,9413,9234,4074,6244,877

Documents