MarketFriction

J A Finance Ltd

BSE 543860 · Non Banking Financial Company (NBFC)
₹158.50 +4.34%
BSE close2026-10-01
Market cap₹164 Cr.
P/E283

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue0.810.560.680.680.580.590.420.730.810.550.690.52
Interest0.300.110.110.120.080.070.060.240.300.270.230.05
Expenses0.120.210.180.210.200.200.230.240.190.360.170.16
Financing Profit0.390.240.390.350.300.320.130.250.32-0.080.290.31
Financing Margin %48.15%42.86%57.35%51.47%51.72%54.24%30.95%34.25%39.51%-14.55%42.03%59.62%
Other Income0.000.000.000.010.000.000.000.000.000.000.000.00
Depreciation0.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax0.390.240.390.360.300.320.130.250.32-0.080.290.31
Tax %25.64%25.00%12.82%19.44%23.33%25.00%715.38%28.00%25.00%-25.00%41.38%25.81%
Net Profit0.290.180.340.290.220.24-0.790.190.24-0.060.170.23
EPS in Rs0.270.170.320.270.210.23-0.740.180.23-0.060.160.22
Gross NPA %3.01%4.54%
Net NPA %2.43%3.67%
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue1.793.172.183.062.282.792.57
Interest0.300.440.640.920.331.050.85
Expenses0.690.810.920.850.840.950.88
Financing Profit0.801.920.621.291.110.790.84
Financing Margin %44.69%60.57%28.44%42.16%48.68%28.32%32.68%
Other Income0.000.000.000.000.000.000.00
Depreciation0.000.000.000.000.000.000.00
Profit before tax0.801.920.621.291.110.790.84
Tax %100.00%11.98%35.48%20.93%103.60%31.65%
Net Profit0.001.700.411.01-0.040.540.58
EPS in Rs1.600.390.95-0.040.510.55
Dividend Payout %0.00%0.00%0.00%0.00%0.00%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth%9%9%11%
Compounded Profit Growth%%10%514%
Stock Price CAGR%%51%91%
Return on Equity%3%3%3%
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3.9910.6510.6510.6510.6510.65
Reserves13.677.928.259.259.409.99
Borrowing4.174.718.137.093.962.56
Other Liabilities0.460.240.190.190.170.15
Total Liabilities22.2923.5227.2227.1824.1823.35
Fixed Assets0.000.010.000.000.000.00
CWIP0.000.000.000.000.000.00
Investments2.082.372.603.170.900.94
Other Assets20.2121.1424.6224.0123.2822.41
Total Assets22.2923.5227.2227.1824.1823.35
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity0.15-1.613.77-1.112.60
Cash from Investing Activity-0.13-0.55-0.402.530.00
Cash from Financing Activity-0.012.77-1.95-3.45-2.45
Net Cash Flow0.010.611.42-2.030.15
Free Cash Flow0.14-1.613.77-1.112.60
CFO/OP15%-110%181%4%155%
Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.00%4.36%2.19%5.21%-0.25%2.65%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters59.90%59.91%59.91%59.90%59.90%59.90%59.90%59.90%59.90%59.90%59.90%59.90%
Public40.11%40.09%40.09%40.11%40.10%40.10%40.11%40.11%40.11%40.11%40.11%40.11%
No. of Shareholders6036717828441,0431,015952899926938937918

Fundamentals

Market Cap₹ 164 Cr.
Current Price₹ 154
Stock P/E283
Book Value₹ 19.4
ROCE7.79 %
ROE2.65 %
Dividend Yield0.00 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)11%
Compounded Profit Growth (TTM)514%
Standalone figures.
Valuation
Market capRs 169 Cr
Enterprise valueRs 173 Cr
P/E (TTM)291.00x
Price to book9.09x
Price to sales65.67x
EV / EBITDA102.65x
EV / EBIT102.65x
EV / sales67.50x
Price to cash flow1125.22x
Earnings yield0.34%
Profitability
Operating margin (excl. other income)74.45%
Operating margin (incl. other income)74.45%
EBITDA margin65.76%
Pre-tax margin32.68%
Net profit margin22.57%
Net margin, latest quarter44.23%
ROE9.38%
ROCE10.46%
ROA7.42%
ROIC (approx.)6.40%
Tax rate11.98%
Growth
Sales growth (latest year)77.09%
Sales growth QoQ-24.64%
Profit growth QoQ35.29%
Sales growth YoY (latest quarter)-28.77%
Profit growth YoY (latest quarter)21.05%
Per share
EPS (TTM)Rs 0.54
EPS (latest year)Rs 1.60
EPS (latest quarter)Rs 0.22
Book value per shareRs 17.44
Sales per shareRs 2.41
Cash flow per shareRs 0.14
Free cash flow per shareRs 2.44
Efficiency
Asset turnover0.13x
Fixed asset turnover317.00x
Leverage
Total debtRs 5 Cr
Cash and bankRs 0 Cr
Net debtRs 5 Cr
Debt to equity0.25x
Net debt / EBITDA2.78x
Interest coverage1.99x
Owners' fund to total sources78.95%
Debt to assets20.03%
Cash flow
Cash from Operating Activity (latest year)Rs 0 Cr
Cash from Investing Activity (latest year)Rs -0 Cr
Cash from Financing Activity (latest year)Rs -0 Cr
Net Cash Flow (latest year)Rs 0 Cr
Free cash flow (latest year)Rs 3 Cr
FCFE (approx.: FCF + change in debt)Rs 3 Cr
Cash from ops / profit, 5 years1.05x
Sales to cash flow21.13x
Statement figures
Net sales (TTM)Rs 3 Cr
Net sales (latest year)Rs 3 Cr
Sales (latest quarter)Rs 1 Cr
Operating profit excl. other income (latest year)Rs 2 Cr
Operating profit (latest quarter)Rs 0 Cr
EBITDA (TTM)Rs 2 Cr
PBDT (TTM)Rs 1 Cr
Profit before tax (TTM)Rs 1 Cr
Tax (latest year)Rs 0 Cr
Net profit (TTM)Rs 1 Cr
Net profit (latest year)Rs 2 Cr
Net profit (latest quarter)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 1 Cr
Total income (latest year)Rs 3 Cr
Share capitalRs 11 Cr
ReservesRs 8 Cr
Shareholders' fundsRs 19 Cr
Total assetsRs 24 Cr
Net blockRs 0 Cr
InvestmentsRs 2 Cr
Other liabilitiesRs 0 Cr
Shares outstanding (crore)1.06
Ownership
Promoter holding59.90% (+0.00 in a year)
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).
Period543860Nifty 50Difference
1 week+10.2%-2.8% +13.0 pts
1 month+26.9%-6.8% +33.6 pts
3 months+80.1%-7.6% +87.7 pts
3 years+254.7%+14.2% +240.5 pts

Red flags

No 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 2026
Revenue ₹1 Cr -28.8% vs Jun 2025. Net profit ₹0 Cr +21.1%.

Activity

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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 J A Finance Ltd?

J A Finance Ltd (543860) has a market capitalisation of Rs 164 Cr. at the 2026-10-01 close.

What is the P/E ratio of J A Finance Ltd?

J A Finance Ltd trades at a P/E of 283 on trailing twelve-month profit, at the 2026-10-01 close.

What were J A Finance Ltd's latest quarterly results?

In the Jun 2026 quarter, J A Finance Ltd revenue was Rs 1 Cr (-28.8% vs Jun 2025) and net profit was Rs 0 Cr.

Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.AboutMethodologyFAQResearchContactTermsPrivacyDisclaimerUpdated 2026-10-03