KJMC Financial Services Ltd

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KJMC Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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KJMC Financial Services Ltd

₹ 59.0 1.51%
29 Sep - close price
kjmc.com BSE: 530235 NSE: KJMCFIN
About

Incorporated in 1988, KJMC Finserv Services Ltd is in the business of lending.[1]

Key Points

Business Overview:[1][2][3]
KJMCFSL is a non-systemically important, non-deposit-taking NBFC engaged in investment and trading activities, with a diversified lending portfolio across retail, MSME, and commercial customers. The company is expanding investments in listed and unlisted equities, bonds, REITs, and indices, both directly and via PMS and AIF structures.

Website BSE NSE
  • Market Cap ₹ 27.3 Cr.
  • Current Price ₹ 59.0
  • High / Low ₹ 88.0 / 41.2
  • Stock P/E 11.5
  • Book Value ₹ 209
  • Dividend Yield 1.69 %
  • ROCE 2.56 %
  • ROE 1.24 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.28 times its book value
  • Company's working capital requirements have reduced from 53.8 days to 30.9 days

Cons

  • Company has a low return on equity of 0.86% over last 3 years.

* 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

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
1.05 1.32 1.08 1.18 1.58 2.02 1.27 0.05 2.14 1.85 1.60 0.87 3.38
Interest 0.21 0.18 0.10 0.20 0.19 0.16 0.25 0.24 0.18 0.26 0.43 0.39 0.30
0.68 0.43 0.57 0.66 0.73 0.67 0.94 0.44 0.51 0.74 0.72 0.67 0.59
Financing Profit 0.16 0.71 0.41 0.32 0.66 1.19 0.08 -0.63 1.45 0.85 0.45 -0.19 2.49
Financing Margin % 15.24% 53.79% 37.96% 27.12% 41.77% 58.91% 6.30% -1,260.00% 67.76% 45.95% 28.12% -21.84% 73.67%
0.01 0.07 0.01 0.05 0.10 0.09 0.09 0.17 0.08 0.18 0.07 0.07 0.07
Depreciation 0.06 0.06 0.06 0.12 0.11 0.11 0.11 0.11 0.10 0.10 0.14 0.13 0.12
Profit before tax 0.11 0.72 0.36 0.25 0.65 1.17 0.06 -0.57 1.43 0.93 0.38 -0.25 2.44
Tax % 81.82% 13.89% 30.56% 68.00% 10.77% 35.90% 0.00% -17.54% 24.48% 25.81% 44.74% 4.00% 26.64%
0.02 0.59 0.23 0.02 0.56 0.74 0.03 -0.48 1.08 0.67 0.23 -0.28 1.79
EPS in Rs 0.04 1.23 0.48 0.04 1.17 1.55 0.06 -1.00 2.26 1.38 0.46 -0.56 3.70
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
1.39 2.31 2.96 6.96 2.64 2.28 1.78 3.69 3.01 4.63 4.92 6.50 7.70
Interest 0.16 0.21 0.40 1.14 1.34 1.32 0.93 0.98 0.76 0.69 0.84 1.26 1.38
0.98 1.41 2.16 5.21 2.01 2.43 2.81 2.88 2.81 2.35 2.78 2.66 2.72
Financing Profit 0.25 0.69 0.40 0.61 -0.71 -1.47 -1.96 -0.17 -0.56 1.59 1.30 2.58 3.60
Financing Margin % 17.99% 29.87% 13.51% 8.76% -26.89% -64.47% -110.11% -4.61% -18.60% 34.34% 26.42% 39.69% 46.75%
0.09 0.06 0.04 0.07 0.11 0.09 0.18 0.10 0.11 0.14 0.45 0.38 0.39
Depreciation 0.19 0.14 0.10 0.07 0.09 0.29 0.19 0.11 0.20 0.30 0.44 0.46 0.49
Profit before tax 0.15 0.61 0.34 0.61 -0.69 -1.67 -1.97 -0.18 -0.65 1.43 1.31 2.50 3.50
Tax % -46.67% -1.64% -32.35% 16.39% 2.90% -1.20% -22.34% 183.33% 40.00% 32.87% 29.77% 31.20%
0.22 0.63 0.47 0.64 -0.83 -1.65 -1.53 -0.51 -0.92 0.86 0.85 1.71 2.41
EPS in Rs 0.56 1.40 0.98 1.34 -1.73 -3.45 -3.20 -1.07 -1.92 1.80 1.78 3.55 4.98
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 28.18%
Compounded Sales Growth
10 Years: 11%
5 Years: 30%
3 Years: 29%
TTM: 41%
Compounded Profit Growth
10 Years: 10%
5 Years: 25%
3 Years: 57%
TTM: 74%
Stock Price CAGR
10 Years: 14%
5 Years: 11%
3 Years: 8%
1 Year: -27%
Return on Equity
10 Years: 0%
5 Years: 0%
3 Years: 1%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

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 3.91 4.49 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79 4.79
Reserves 9.21 9.84 10.32 10.96 22.48 22.17 66.68 80.13 78.73 127.09 168.29 95.23
Borrowing 2.67 2.48 10.45 12.07 13.19 14.23 5.03 5.65 8.41 7.23 4.41 13.66
1.32 1.15 1.81 1.38 1.81 0.90 6.16 5.05 5.24 9.79 20.63 15.90
Total Liabilities 17.11 17.96 27.37 29.20 42.27 42.09 82.66 95.62 97.17 148.90 198.12 129.58
1.55 1.44 1.35 1.30 0.37 0.36 0.19 0.85 0.92 0.70 4.58 4.90
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 10.10 11.51 19.12 18.26 26.39 25.67 74.68 86.50 87.14 142.31 190.35 111.84
5.46 5.01 6.90 9.64 15.51 16.06 7.79 8.27 9.11 5.89 3.19 12.84
Total Assets 17.11 17.96 27.37 29.20 42.27 42.09 82.66 95.62 97.17 148.90 198.12 129.58

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-2.65 0.00 -1.41 -1.32 -0.04 -1.19 0.58 -1.24 -3.51 3.38 1.39 -9.60
0.14 0.17 -6.66 0.90 8.15 1.50 2.81 1.71 0.74 -1.56 2.33 1.35
2.49 -0.03 8.03 0.45 -1.40 -0.25 -10.09 -0.36 2.83 -1.92 -3.66 7.98
Net Cash Flow -0.01 0.14 -0.04 0.02 6.71 0.07 -6.71 0.12 0.06 -0.10 0.06 -0.27
Free Cash Flow -2.65 -0.03 -1.41 -1.33 -0.25 -1.20 0.56 -2.01 -3.78 3.35 1.36 -10.24
CFO/OP -644% 2% -190% -70% 19% 713% -77% -149% -1,755% 152% 70% -241%

Ratios

Consolidated / View Standalone

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 % 1.76% 4.59% 3.19% 4.15% -3.86% -6.09% -3.11% -0.65% -1.09% 0.80% 0.56% 1.24%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Gross Non-Performing Assets
INR '000 ・Standalone data

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Interest Income
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Quoted Equity Investments
INR '000 ・Standalone data
Secured Loans
INR '000 ・Standalone data
Total Borrowings
INR '000 ・Standalone data
Total Investment Portfolio (Fair Value)
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Total Loan Portfolio
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Unsecured Loans
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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.80% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40% 74.40%
1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37% 1.37%
24.84% 24.23% 24.24% 24.23% 24.23% 24.23% 24.23% 24.23% 24.22% 24.24% 24.23% 24.24%
No. of Shareholders 3,2013,2293,2843,3953,7214,8174,7704,7204,8154,9394,9654,951

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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