JM Financial Credit Solutions Ltd

JM Financial Credit Solutions Ltd

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About

JM Financial Credit Solutions is engaged in the business of Non- Banking Financial Institution.

  • Market Cap Cr.
  • Current Price
  • High / Low /
  • Stock P/E
  • Book Value
  • Dividend Yield %
  • ROCE %
  • ROE %
  • Face Value 10.0

Pros

Cons

  • Company has low interest coverage ratio.

* 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

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Quarterly Results

Figures in Rs. Crores

Jun 2021 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
282.72 314.29 318.32 330.24 341.97 268.64 217.88 229.16
Interest 117.05 150.25 149.21 147.42 148.58 136.63 121.38 101.95
94.54 149.34 144.37 66.05 277.58 72.64 202.52 121.58
Financing Profit 71.13 14.70 24.74 116.77 -84.19 59.37 -106.02 5.63
Financing Margin % 25.16% 4.68% 7.77% 35.36% -24.62% 22.10% -48.66% 2.46%
0.25 0.00 0.00 0.00 0.00 2.00 0.00 0.00
Depreciation 0.55 1.02 1.30 1.32 1.48 1.48 1.11 1.93
Profit before tax 70.83 13.68 23.44 115.45 -85.67 59.89 -107.13 3.70
Tax % 25.50% 26.39% 25.81% 25.20% -22.19% 25.18% -17.46% 26.76%
52.77 10.07 17.39 86.36 -66.66 44.81 -88.43 2.71
EPS in Rs
Gross NPA % 4.03% 6.15% 7.25% 11.59% 14.65%
Net NPA % 2.27% 3.63% 3.46% 2.68% 0.94%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2024 TTM
0 0 0 0 6 98 519 788 940 1,279 1,310 1,305 1,058
Interest 0 0 0 0 3 13 175 312 390 579 549 595 509
0 0 0 0 0 20 43 51 66 74 224 637 674
Financing Profit 0 0 0 0 3 64 302 425 484 627 537 72 -125
Financing Margin % 90% 92% 88% 82% 46% 66% 58% 54% 51% 49% 41% 6% -12%
0 0 0 0 0 6 0 0 0 0 0 0 2
Depreciation 0 0 0 0 0 0 0 0 0 0 2 5 6
Profit before tax 0 0 0 0 3 70 302 425 484 626 535 67 -129
Tax % 21% 23% 17% 23% 36% 30% 35% 35% 35% 35% 29% 30%
0 0 0 0 2 49 198 277 315 406 382 47 -108
EPS in Rs
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 71%
5 Years: 0%
3 Years: %
TTM: %
Compounded Profit Growth
10 Years: 39%
5 Years: -35%
3 Years: %
TTM: %
Stock Price CAGR
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Return on Equity
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Balance Sheet

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2024 Sep 2024
Equity Capital 0.05 0.05 0.05 0.05 0.05 1 1 2 2 3 3 3
Reserves 3 3 3 4 6 936 1,134 1,411 1,666 2,906 4,210 4,158
Borrowing 0 0 0 0 88 902 2,970 4,138 5,661 5,605 6,069 4,457
0 0 0 0 1 16 102 140 37 48 53 41
Total Liabilities 3 4 4 4 95 1,856 4,207 5,691 7,366 8,563 10,334 8,659
0 0 0 0 0 0 0 1 1 1 21 12
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 3 3 2 3 0 0 0 0 0 295 1,776 2,928
0 0 1 0 95 1,856 4,206 5,690 7,366 8,266 8,538 5,719
Total Assets 3 4 4 4 95 1,856 4,207 5,691 7,366 8,563 10,334 8,659

Cash Flows

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2024
0 -0 0 -0 -91 -1,705 -1,970 -1,270 -1,318 -432
-0 0 1 -1 4 9 1 1 2 -286
0 0 0 0 88 1,697 2,068 1,169 1,433 778
Net Cash Flow 0 0 1 -1 1 1 99 -100 117 60

Ratios

Figures in Rs. Crores

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2024
ROE % 6% 5% 3% 3% 10% 19% 22% 20% 18%

Shareholding Pattern

Numbers in percentages

Shareholding pattern is currently not available for this company.

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