J A Finance Ltd

J A Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

J A Finance Ltd

₹ 85.5 -5.00%
10 Jun 12:04 p.m.
jafinance.co.in BSE: 543860
About

Incorporated in 1993, J. A. Finance
Ltd is in the business of financing
and investing[1]

Key Points

Business Overview:[1][2][3]
JAFL is registered as a Non Systematically Important Non Deposit Taking Non Banking Financial Company in Kolkata.
It is in the business of:
a) Investment in securities of listed and unlisted entities
b) Providing of loan and advances to SMEs
c) Share and derivative trading

Website BSE
  • Market Cap ₹ 91.0 Cr.
  • Current Price ₹ 85.5
  • High / Low ₹ 144 / 50.4
  • Stock P/E 169
  • Book Value ₹ 19.4
  • Dividend Yield 0.00 %
  • ROCE 7.80 %
  • ROE 2.65 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has reduced debt.

Cons

  • Stock is trading at 4.64 times its book value
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 9.28% over past five years.
  • Company has a low return on equity of 2.53% over last 3 years.
  • Company's cost of borrowing seems high

* 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

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.44 1.00 0.81 0.56 0.68 0.68 0.58 0.59 0.42 0.73 0.81 0.55 0.69
Interest 0.21 0.39 0.30 0.11 0.11 0.12 0.08 0.07 0.06 0.24 0.30 0.27 0.23
0.31 0.34 0.12 0.21 0.18 0.21 0.20 0.20 0.23 0.24 0.19 0.36 0.17
Financing Profit -0.08 0.27 0.39 0.24 0.39 0.35 0.30 0.32 0.13 0.25 0.32 -0.08 0.29
Financing Margin % -18.18% 27.00% 48.15% 42.86% 57.35% 51.47% 51.72% 54.24% 30.95% 34.25% 39.51% -14.55% 42.03%
0.00 0.00 0.00 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 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
Profit before tax -0.08 0.27 0.39 0.24 0.39 0.36 0.30 0.32 0.13 0.25 0.32 -0.08 0.29
Tax % 50.00% 25.93% 25.64% 25.00% 12.82% 19.44% 23.33% 25.00% 715.38% 28.00% 25.00% -25.00% 41.38%
-0.12 0.20 0.29 0.18 0.34 0.29 0.22 0.24 -0.79 0.19 0.24 -0.06 0.17
EPS in Rs -0.11 0.19 0.27 0.17 0.32 0.27 0.21 0.23 -0.74 0.18 0.23 -0.06 0.16
Gross NPA % 3.01% 4.54%
Net NPA % 2.43% 3.67%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1.79 3.17 2.18 3.06 2.28 2.79
Interest 0.30 0.44 0.64 0.92 0.33 1.05
0.69 0.81 0.92 0.85 0.84 0.95
Financing Profit 0.80 1.92 0.62 1.29 1.11 0.79
Financing Margin % 44.69% 60.57% 28.44% 42.16% 48.68% 28.32%
0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax 0.80 1.92 0.62 1.29 1.11 0.79
Tax % 100.00% 11.98% 35.48% 20.93% 103.60% 31.65%
0.00 1.70 0.41 1.01 -0.04 0.54
EPS in Rs 1.60 0.39 0.95 -0.04 0.51
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 9%
3 Years: 9%
TTM: 22%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 10%
TTM: 1450%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: 31%
1 Year: -26%
Return on Equity
10 Years: %
5 Years: 3%
3 Years: 3%
Last Year: 3%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 3.99 10.65 10.65 10.65 10.65 10.65
Reserves 13.67 7.92 8.25 9.25 9.40 9.99
Borrowing 4.17 4.71 8.13 7.09 3.96 2.56
0.46 0.24 0.19 0.19 0.17 0.15
Total Liabilities 22.29 23.52 27.22 27.18 24.18 23.35
0.00 0.01 0.00 0.00 0.00 0.00
CWIP 0.00 0.00 0.00 0.00 0.00 0.00
Investments 2.08 2.37 2.60 3.17 0.90 0.94
20.21 21.14 24.62 24.01 23.28 22.41
Total Assets 22.29 23.52 27.22 27.18 24.18 23.35

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.15 -1.61 3.77 -1.11 2.60
-0.13 -0.55 -0.40 2.53 0.00
-0.01 2.77 -1.95 -3.45 -2.45
Net Cash Flow 0.01 0.61 1.42 -2.03 0.15
Free Cash Flow 0.14 -1.61 3.77 -1.11 2.60
CFO/OP 15% -110% 181% 5% 155%

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 0.00% 4.36% 2.19% 5.21% -0.20% 2.65%

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Loan Assets
₹ Lakhs

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Total Investment Portfolio
₹ Lakhs
Capital Adequacy Ratio (CAR)
%
Number of Employees
Number
Related Party Loan Exposure Proportion
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
59.90% 59.90% 59.91% 59.91% 59.90% 59.90% 59.90% 59.90% 59.90% 59.90% 59.90% 59.90%
40.11% 40.11% 40.09% 40.09% 40.11% 40.10% 40.10% 40.11% 40.11% 40.11% 40.11% 40.11%
No. of Shareholders 5726036717828441,0431,015952899926938937

Documents

Announcements

Annual reports