JMJ Fintech Ltd
₹ 9.79
-1.81%
08 Jun
- close price
About
Incorporated in 1982, JMJ
Fintech Ltd is in the business
of providing loans and investments[1]
Key Points
- Market Cap ₹ 36.0 Cr.
- Current Price ₹ 9.79
- High / Low ₹ 21.2 / 8.80
- Stock P/E 4.74
- Book Value ₹ 15.2
- Dividend Yield 2.55 %
- ROCE 20.2 %
- ROE 19.1 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.64 times its book value
- Company has delivered good profit growth of 99.0% CAGR over last 5 years
Cons
- Promoter holding is low: 23.3%
- Working capital days have increased from 216 days to 657 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4.50 | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | 17.15 | 21.82 | |
| Interest | 0.00 | 0.00 | 0.01 | 0.01 | 0.08 | 0.01 | 0.13 | 0.00 | 0.06 | 0.85 | 1.58 | 3.23 |
| 4.33 | 2.73 | 2.52 | 3.40 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | 5.88 | 8.25 | |
| Financing Profit | 0.17 | -0.66 | 0.24 | 0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.27 | 4.04 | 9.69 | 10.34 |
| Financing Margin % | 3.78% | -31.88% | 8.66% | 0.00% | -6.04% | -17.11% | -12.28% | 7.81% | 7.07% | 54.16% | 56.50% | 47.39% |
| 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 | 0.00 | 0.00 | 0.17 | |
| Depreciation | 0.03 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.18 | 0.24 | 0.28 |
| Profit before tax | 0.14 | -0.68 | 0.22 | 0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.98 | 3.86 | 9.45 | 10.23 |
| Tax % | 57.14% | 0.00% | 31.82% | 0.00% | 0.00% | 28.57% | 0.00% | 16.33% | 44.56% | 45.40% | 25.81% | |
| 0.07 | -0.68 | 0.16 | 0.03 | -0.22 | -0.39 | -0.26 | 0.05 | 0.83 | 2.14 | 5.17 | 7.60 | |
| EPS in Rs | 0.02 | -0.18 | 0.04 | 0.01 | -0.06 | -0.10 | -0.07 | 0.01 | 0.22 | 0.58 | 1.35 | 2.07 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 6.19% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 27% |
| 5 Years: | 66% |
| 3 Years: | 79% |
| TTM: | 27% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 99% |
| 3 Years: | 310% |
| TTM: | 47% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -24% |
| 5 Years: | 41% |
| 3 Years: | 5% |
| 1 Year: | -33% |
| Return on Equity | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 15% |
| 3 Years: | 20% |
| Last Year: | 19% |
Balance Sheet
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.80 | 37.27 |
| Reserves | 0.54 | -0.14 | 0.02 | 0.05 | -0.17 | -0.56 | -0.82 | -0.77 | 0.26 | 3.17 | 10.83 | 18.77 |
| Borrowing | 0.00 | 0.00 | 0.00 | 0.00 | 1.15 | 2.16 | 0.71 | 0.00 | 2.99 | 10.36 | 21.07 | 32.27 |
| 0.06 | 0.60 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 1.51 | 3.35 | 1.27 | |
| Total Liabilities | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 48.05 | 89.58 |
| 0.05 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.35 | 0.58 | 0.85 | 5.01 | |
| 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 |
| 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.86 | 47.20 | 84.57 | |
| Total Assets | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 48.05 | 89.58 |
Cash Flows
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.91 | -0.66 | 0.07 | 1.07 | -2.33 | -0.13 | 1.56 | 2.27 | -2.63 | -8.36 | -9.33 | -17.94 | |
| 0.00 | 0.00 | 0.00 | 0.02 | 0.00 | -1.00 | 0.00 | -0.03 | -0.79 | -0.19 | -0.52 | -4.43 | |
| -0.07 | -0.02 | -0.02 | 0.00 | 1.15 | 1.01 | -1.46 | -0.71 | 2.99 | 7.37 | 11.71 | 32.36 | |
| Net Cash Flow | 0.84 | -0.68 | 0.05 | 1.09 | -1.18 | -0.12 | 0.11 | 1.54 | -0.42 | -1.18 | 1.86 | 10.00 |
| Free Cash Flow | 0.91 | -0.66 | 0.07 | 1.09 | -2.33 | -1.13 | 1.56 | 2.24 | -2.97 | -8.77 | -9.85 | -22.37 |
| CFO/OP | 535% | 100% | 28% | 10,800% | 1,664% | 34% | -1,950% | 4,540% | -797% | -171% | -83% | -112% |
Ratios
Figures in Rs. Crores
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0.54% | -5.40% | 1.30% | 0.24% | -1.78% | -3.24% | -2.22% | 0.43% | 0.91% | 15.16% | 26.38% | 19.08% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loans and Advances (AUM) INR Lakhs |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
1 Jun - Submission of Newspaper Publication of the audited financial results for the year ended 31st March 2026.
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
29 May - Submitted Annual Secretarial Compliance Report for FY ended 31 March 2026; no non-compliances reported.
-
Announcement under Regulation 30 (LODR)-Issue of Securities
28 May - BSE approved listing of 8,61,137 equity shares converted from partly paid to fully paid.
-
Appointment Of Internal Auditor For The FY 2026-27.
28 May - Board approved FY26 audited standalone results, appointed internal auditor Priya Krishnakumar, and reported unmodified audit opinion.
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Statement Of Deviation As On 31St March 2026.
28 May - JMJ Fintech reports no deviation in rights issue fund utilisation for quarter and year ended March 31, 2026.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
from bse
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Financial Year 2012
from bse
Business Overview:[1][2]
JMJFL is a non-systemically important, non-deposit-taking NBFC providing secured loans to corporates and HNIs, financing SMEs, and offering fund-raising advisory through IPOs, PE, and venture capital. It also provides M&A, valuation, and management consulting, and invests in shares and securities across cash and derivatives markets.