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 | 1.48 | 2.14 | 3.07 | 3.69 | 3.75 | 3.60 | 6.11 | 5.07 | 6.32 | 5.13 | 5.34 | 5.35 |
| Interest | 0.18 | 0.25 | 0.31 | 0.34 | 0.36 | 0.36 | 0.51 | 0.69 | 0.78 | 0.84 | 0.92 | 0.96 |
| Expenses | 0.52 | 0.64 | 0.94 | 0.87 | 1.11 | 1.71 | 2.20 | 2.73 | 1.58 | 1.94 | 2.09 | 1.71 |
| Financing Profit | 0.78 | 1.25 | 1.82 | 2.48 | 2.28 | 1.53 | 3.40 | 1.65 | 3.96 | 2.35 | 2.33 | 2.68 |
| Financing Margin % | 52.70% | 58.41% | 59.28% | 67.21% | 60.80% | 42.50% | 55.65% | 32.54% | 62.66% | 45.81% | 43.63% | 50.09% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.07 | 0.06 | 0.01 |
| Depreciation | 0.00 | 0.00 | 0.18 | 0.04 | 0.05 | 0.07 | 0.07 | 0.06 | 0.07 | 0.07 | 0.07 | 0.06 |
| Profit before tax | 0.78 | 1.25 | 1.64 | 2.44 | 2.23 | 1.46 | 3.33 | 1.60 | 3.89 | 2.35 | 2.32 | 2.63 |
| Tax % | 41.03% | 17.60% | 72.56% | 25.41% | 25.11% | 30.14% | 80.18% | 28.12% | 23.65% | 26.38% | 24.57% | 25.10% |
| Net Profit | 0.46 | 1.03 | 0.46 | 1.82 | 1.67 | 1.02 | 0.66 | 1.14 | 2.97 | 1.74 | 1.75 | 1.97 |
| EPS in Rs | 0.12 | 0.28 | 0.12 | 0.49 | 0.45 | 0.27 | 0.17 | 0.30 | 0.77 | 0.45 | 0.48 | 0.54 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | 17.15 | 21.99 | 22.14 |
| Interest | 0.00 | 0.01 | 0.01 | 0.08 | 0.01 | 0.13 | 0.00 | 0.06 | 0.85 | 1.58 | 3.24 | 3.50 |
| Expenses | 2.73 | 2.52 | 3.40 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | 5.88 | 8.24 | 7.32 |
| Financing Profit | -0.66 | 0.24 | 0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.27 | 4.04 | 9.69 | 10.51 | 11.32 |
| Financing Margin % | -31.88% | 8.66% | 0.00% | -6.04% | -17.11% | -12.28% | 7.81% | 7.07% | 54.16% | 56.50% | 47.79% | 51.13% |
| Other Income | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 | 0.00 | 0.00 | 0.00 | 0.14 |
| Depreciation | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.18 | 0.24 | 0.28 | 0.27 |
| Profit before tax | -0.68 | 0.22 | 0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.98 | 3.86 | 9.45 | 10.23 | 11.19 |
| Tax % | 0.00% | 31.82% | 0.00% | 0.00% | 28.57% | 0.00% | 16.33% | 44.56% | 45.40% | 25.81% | ||
| Net Profit | -0.68 | 0.16 | 0.03 | -0.22 | -0.39 | -0.26 | 0.05 | 0.83 | 2.14 | 5.17 | 7.60 | 8.43 |
| EPS in Rs | -0.18 | 0.04 | 0.01 | -0.06 | -0.10 | -0.07 | 0.01 | 0.22 | 0.58 | 1.35 | 2.07 | 2.24 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 6.19% | 7.36% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | 27% | 67% | 79% | 19% | ||
| Compounded Profit Growth | 29% | 99% | 310% | 88% | ||
| Stock Price CAGR | -24% | 16% | 0% | -37% | ||
| Return on Equity | 9% | 15% | 20% | 19% |
| 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 | 18.76 |
| Borrowing | 0.00 | 0.00 | 0.00 | 0.00 | 1.15 | 2.16 | 0.71 | 0.00 | 2.99 | 10.36 | 21.49 | 32.27 |
| Other Liabilities | 0.06 | 0.60 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 1.51 | 0.89 | 1.28 |
| Total Liabilities | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 46.01 | 89.58 |
| Fixed Assets | 0.05 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.35 | 0.58 | 0.85 | 5.00 |
| 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 |
| Other Assets | 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.86 | 45.16 | 84.58 |
| Total Assets | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.44 | 46.01 | 89.58 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 0.91 | -0.66 | 0.07 | 1.07 | -2.33 | -0.13 | 1.56 | 2.27 | -2.63 | -8.36 | -7.76 | -17.94 |
| Cash from Investing Activity | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 | -1.00 | 0.00 | -0.03 | -0.79 | -0.19 | -0.52 | -4.43 |
| Cash from Financing Activity | -0.07 | -0.02 | -0.02 | 0.00 | 1.15 | 1.01 | -1.46 | -0.71 | 2.99 | 7.37 | 10.14 | 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 | -8.28 | -22.37 |
| CFO/OP | 535% | 100% | 28% | 10,800% | 1,664% | 34% | -1,950% | 4,540% | -797% | -171% | -53% | -111% |
| 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% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 23.56% | 23.56% | 23.56% | 23.56% | 23.56% | 14.50% | 14.50% | 14.50% | 23.27% | 23.27% | 23.27% | 23.27% |
| Public | 76.44% | 76.44% | 76.43% | 76.43% | 76.44% | 85.49% | 85.50% | 85.51% | 76.72% | 76.73% | 76.72% | 76.72% |
| No. of Shareholders | 4,407 | 4,624 | 4,877 | 4,976 | 5,769 | 5,793 | 5,696 | 6,124 | 7,721 | 8,162 | 8,316 | 8,389 |
Fundamentals
Market Cap₹ 35.6 Cr.
Current Price₹ 9.47
Stock P/E4.23
Book Value₹ 15.8
ROCE20.2 %
ROE19.1 %
Dividend Yield1.56 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)19%
Compounded Profit Growth (TTM)88%
Standalone figures.
Valuation
Market capRs 36 Cr
Enterprise valueRs 56 Cr
P/E (TTM)4.24x
Price to book0.64x
Price to sales1.61x
EV / EBITDA3.75x
EV / EBIT3.82x
EV / sales2.53x
Earnings yield23.58%
Dividend yield1.57%
P/E, 3-year average4.48x
P/B, 3-year average0.70x
P/E, 5-year average39.19x
P/B, 5-year average0.72x
Profitability
Operating margin (excl. other income)62.53%
Operating margin (incl. other income)62.53%
EBITDA margin67.57%
Pre-tax margin50.54%
Net profit margin38.08%
Net margin, latest quarter36.82%
ROE19.08%
ROCE20.19%
ROA11.21%
ROE, 3-year average20.21%
ROCE, 3-year average24.63%
ROA, 3-year average11.73%
ROE, 5-year average13.58%
ROCE, 5-year average16.39%
ROA, 5-year average8.32%
ROIC (approx.)14.27%
Tax rate25.81%
Growth
Sales growth (latest year)28.22%
Profit growth (latest year)47.00%
Sales CAGR, 3 years79.22%
Sales CAGR, 5 years66.67%
Profit CAGR, 3 years109.21%
Sales growth QoQ0.19%
Profit growth QoQ12.57%
Sales growth YoY (latest quarter)5.52%
Profit growth YoY (latest quarter)72.81%
Per share
EPS (TTM)Rs 2.20
EPS (latest year)Rs 1.98
EPS (latest quarter)Rs 0.51
EPS, 3-year averageRs 2.58
EPS, 5-year averageRs 1.69
Book value per shareRs 14.59
Sales per shareRs 5.77
Cash flow per shareRs -4.67
Free cash flow per shareRs -5.83
Dividend per share (latest year)Rs 0.15
Dividend per share, 3-year averageRs 0.20
Dividend per share, 5-year averageRs 0.20
Dividends
Dividend payout7.37%
Dividend payout, 3-year average6.78%
Dividend payout, 5-year average6.78%
Efficiency
Asset turnover0.25x
Fixed asset turnover4.40x
Leverage
Total debtRs 32 Cr
Cash and bankRs 12 Cr
Net debtRs 20 Cr
Debt to equity0.58x
Net debt / EBITDA1.36x
Interest coverage4.20x
Owners' fund to total sources62.55%
Debt to assets36.02%
Cash flow
Cash from Operating Activity (latest year)Rs -18 Cr
Cash from Investing Activity (latest year)Rs -4 Cr
Cash from Financing Activity (latest year)Rs 32 Cr
Net Cash Flow (latest year)Rs 10 Cr
Free cash flow (latest year)Rs -22 Cr
FCFE (approx.: FCF + change in debt)Rs -12 Cr
Cash from ops / profit, 5 years-2.18x
Statement figures
Net sales (TTM)Rs 22 Cr
Net sales (latest year)Rs 22 Cr
Sales (latest quarter)Rs 5 Cr
Operating profit excl. other income (latest year)Rs 14 Cr
Operating profit (latest quarter)Rs 4 Cr
EBITDA (TTM)Rs 15 Cr
PBDT (TTM)Rs 11 Cr
Profit before tax (TTM)Rs 11 Cr
Tax (latest year)Rs 3 Cr
Net profit (TTM)Rs 8 Cr
Net profit (latest year)Rs 8 Cr
Net profit (latest quarter)Rs 2 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 4 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 8 Cr
Total income (latest year)Rs 22 Cr
Share capitalRs 37 Cr
ReservesRs 19 Cr
Shareholders' fundsRs 56 Cr
Total assetsRs 90 Cr
Net blockRs 5 Cr
Other liabilitiesRs 1 Cr
Shares outstanding (crore)3.84
Ownership
Promoter holding23.27% (+8.77 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 4.2 is the lowest in its own 4.4-year history
(median 27.6, low 4.2, high 345.6).
P/B 0.64 is at the 9th percentile (median 2.19).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | 538834 | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +1.2% | -2.8% | +4.0 pts |
| 1 month | -2.7% | -6.8% | +4.1 pts |
| 3 months | -5.7% | -7.6% | +1.9 pts |
| 3 years | -4.7% | +14.2% | -18.9 pts |
| 5 years | +109.7% | +27.9% | +81.8 pts |
Red flags
F-score 3 of 8| explain | Weak cash conversion Cash from operations was -228% of net profit over the last 3 years |
| explain | High accruals Profit exceeded operating cash by 29% of total assets in 2026 |
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 ₹5 Cr +5.5% vs Jun 2025.
Net profit ₹2 Cr +72.8%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
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 JMJ Fintech Ltd?
JMJ Fintech Ltd (538834) has a market capitalisation of Rs 35.6 Cr. at the 2026-10-01 close.
What is the P/E ratio of JMJ Fintech Ltd?
JMJ Fintech Ltd trades at a P/E of 4.23 on trailing twelve-month profit, at the 2026-10-01 close.
What were JMJ Fintech Ltd's latest quarterly results?
In the Jun 2026 quarter, JMJ Fintech Ltd revenue was Rs 5 Cr (+5.5% vs Jun 2025) and net profit was Rs 2 Cr.