Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 318 | 330 | 342 | 269 | 218 | 229 | 172 | 200 | 180 | 213 | 157 | 198 |
| Interest | 149 | 147 | 149 | 137 | 121 | 102 | 85 | 80 | 95 | 94 | 90 | 86 |
| Expenses | 144 | 66 | 278 | 73 | 203 | 122 | 10 | -172 | -4 | -8 | 3 | 18 |
| Financing Profit | 25 | 117 | -84 | 59 | -106 | 6 | 77 | 292 | 89 | 127 | 64 | 94 |
| Financing Margin % | 8% | 35% | -25% | 22% | -49% | 2% | 45% | 146% | 50% | 60% | 41% | 48% |
| Other Income | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 3 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 23 | 115 | -86 | 60 | -107 | 4 | 75 | 290 | 88 | 126 | 63 | 96 |
| Tax % | 26% | 25% | -22% | 25% | -17% | 27% | 26% | 25% | 24% | 26% | 28% | 25% |
| Net Profit | 17 | 86 | -67 | 45 | -88 | 3 | 56 | 217 | 67 | 93 | 45 | 71 |
| EPS in Rs | ||||||||||||
| Gross NPA % | 7.25% | 9.68% | 11.59% | 14.65% | 17.85% | 11.88% | 12.79% | 12.77% | 14.61% | 13.15% | ||
| Net NPA % | 3.46% | 3.40% | 2.68% | 0.94% | 2.27% | 1.58% | 2.10% | 2.11% | 1.98% | 1.78% |
| Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 6 | 98 | 519 | 788 | 940 | 1,279 | 1,310 | 1,305 | 824 | 750 | 749 |
| Interest | 0 | 3 | 13 | 175 | 312 | 390 | 579 | 549 | 595 | 445 | 358 | 364 |
| Expenses | 0 | 0 | 20 | 43 | 51 | 66 | 74 | 224 | 637 | 343 | -180 | 10 |
| Financing Profit | 0 | 3 | 64 | 302 | 425 | 484 | 627 | 537 | 72 | 36 | 572 | 375 |
| Financing Margin % | 82% | 46% | 66% | 58% | 54% | 51% | 49% | 41% | 6% | 4% | 76% | 50% |
| Other Income | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | -0 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 6 | 5 | 5 |
| Profit before tax | 0 | 3 | 70 | 302 | 425 | 484 | 626 | 535 | 67 | 32 | 567 | 372 |
| Tax % | 23% | 36% | 30% | 35% | 35% | 35% | 35% | 29% | 30% | 54% | 26% | |
| Net Profit | 0 | 2 | 49 | 198 | 277 | 315 | 406 | 382 | 47 | 15 | 422 | 276 |
| EPS in Rs | ||||||||||||
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 4% | % | % | -9% | ||
| Compounded Profit Growth | 8% | % | % | 48% | ||
| Stock Price CAGR | % | % | % | % | ||
| Return on Equity | % | % | 4% | 10% |
| Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.05 | 0.05 | 0.05 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 3 | |
| Reserves | 3 | 4 | 6 | 936 | 1,134 | 1,411 | 1,666 | 2,906 | 4,210 | 4,223 | 4,564 | |
| Borrowing | 0 | 0 | 88 | 902 | 2,970 | 4,138 | 5,661 | 5,605 | 6,069 | 3,487 | 3,971 | |
| Other Liabilities | 0 | 0 | 1 | 16 | 102 | 140 | 37 | 48 | 53 | 48 | 41 | |
| Total Liabilities | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | 10,334 | 7,761 | 8,578 | |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 21 | 13 | 12 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Investments | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 295 | 1,776 | 3,662 | 4,851 | |
| Other Assets | 1 | 0 | 95 | 1,856 | 4,206 | 5,690 | 7,366 | 8,266 | 8,538 | 4,086 | 3,715 | |
| Total Assets | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | 10,334 | 7,761 | 8,578 |
| Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 0 | -0 | -91 | -1,705 | -1,970 | -1,270 | -1,318 | -432 | 2,042 | 3,219 | 581 | |
| Cash from Investing Activity | 1 | -1 | 4 | 9 | 1 | 1 | 2 | -286 | -602 | -1,823 | -966 | |
| Cash from Financing Activity | 0 | 0 | 88 | 1,697 | 2,068 | 1,169 | 1,433 | 778 | -207 | -2,564 | 306 | |
| Net Cash Flow | 1 | -1 | 1 | 1 | 99 | -100 | 117 | 60 | 1,233 | -1,168 | -79 | |
| Free Cash Flow | 0 | -0 | -91 | -1,700 | -1,970 | -1,271 | -1,318 | -432 | 2,037 | 3,217 | 576 | |
| CFO/OP | 150% | -29% | -1,580% | -2,159% | -391% | -151% | -131% | -17% | 320% | 675% | 73% |
| Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 3% | 28% | 10% | 19% | 22% | 20% | 18% | 1% | 0% | 10% |
Fundamentals
Market Cap₹ Cr.
Current Price₹
Book Value₹
ROCE11.4 %
ROE9.61 %
Dividend Yield%
Face Value₹ 10.0
Compounded Sales Growth (TTM)-9%
Compounded Profit Growth (TTM)48%
Standalone figures.
Profitability
Operating margin (excl. other income)123.95%
Operating margin (incl. other income)123.91%
EBITDA margin99.02%
Pre-tax margin49.67%
Net profit margin36.89%
Net margin, latest quarter36.00%
ROE9.60%
ROCE11.38%
ROA5.17%
ROE, 3-year average3.69%
ROCE, 3-year average7.71%
ROA, 3-year average1.93%
ROE, 5-year average7.21%
ROCE, 5-year average9.58%
ROA, 5-year average2.72%
ROIC (approx.)6.45%
Tax rate25.53%
Other income / net worth-0.01%
Growth
Sales growth (latest year)-8.96%
Profit growth (latest year)2761.36%
Sales CAGR, 3 years-16.95%
Sales CAGR, 5 years-4.41%
Profit CAGR, 3 years3.35%
Profit CAGR, 5 years6.03%
Sales growth QoQ26.51%
Profit growth QoQ59.48%
Sales growth YoY (latest quarter)-0.79%
Profit growth YoY (latest quarter)-67.13%
Per share
EPS, 5-year averageRs 1,437.62
Dividends
Dividend payout, 5-year average0.11%
Efficiency
Asset turnover0.09x
Fixed asset turnover60.65x
Leverage
Total debtRs 3,971 Cr
Cash and bankRs 38 Cr
Net debtRs 3,933 Cr
Debt to equity0.87x
Net debt / EBITDA5.31x
Interest coverage2.02x
Owners' fund to total sources53.23%
Debt to assets46.29%
Cash flow
Cash from Operating Activity (latest year)Rs 581 Cr
Cash from Investing Activity (latest year)Rs -966 Cr
Cash from Financing Activity (latest year)Rs 306 Cr
Net Cash Flow (latest year)Rs -79 Cr
Free cash flow (latest year)Rs 576 Cr
FCFE (approx.: FCF + change in debt)Rs 1,060 Cr
Cash from ops / profit, 5 years3.40x
Sales to cash flow1.29x
Statement figures
Net sales (TTM)Rs 749 Cr
Net sales (latest year)Rs 750 Cr
Sales (latest quarter)Rs 198 Cr
Operating profit excl. other income (latest year)Rs 930 Cr
Operating profit (latest quarter)Rs 181 Cr
Other income (TTM)Rs -0 Cr
EBITDA (TTM)Rs 741 Cr
PBDT (TTM)Rs 377 Cr
Profit before tax (TTM)Rs 372 Cr
Tax (latest year)Rs 145 Cr
Net profit (TTM)Rs 276 Cr
Net profit (latest year)Rs 422 Cr
Net profit (latest quarter)Rs 71 Cr
Depreciation (TTM)Rs 5 Cr
Depreciation (latest quarter)Rs 1 Cr
Interest (TTM)Rs 364 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs -180 Cr
Total income (latest year)Rs 750 Cr
Share capitalRs 3 Cr
ReservesRs 4,564 Cr
Shareholders' fundsRs 4,567 Cr
Total assetsRs 8,578 Cr
Net blockRs 12 Cr
InvestmentsRs 4,851 Cr
Other liabilitiesRs 41 Cr
Shares outstanding (crore)0.00
Computed by MarketFriction from the standalone statements. Returns use average balances.
Not enough history to build valuation bands (needs two years of profits and prices).
Not enough price history.
Red flags
F-score 5 of 7No red flags in the latest statements and filings.
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹198 Cr -1.0% vs Jun 2025.
Net profit ₹71 Cr -67.3%.
Activity
CompareNo listed peers in this industry.
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of JM Financial Credit Solutions Ltd?
JM Financial Credit Solutions Ltd (508815) has a market capitalisation of Rs Cr. at the close.
What were JM Financial Credit Solutions Ltd's latest quarterly results?
In the Jun 2026 quarter, JM Financial Credit Solutions Ltd revenue was Rs 198 Cr (-1.0% vs Jun 2025) and net profit was Rs 71 Cr.