MarketFriction

KJMC Financial Services Ltd

NSE KJMCFIN · BSE 530235 · Non Banking Financial Company (NBFC)
₹58.38 -2.70%
NSE close2026-10-01
52 week range51.01 - 84.50
Market cap₹28.2 Cr.
P/E11.9
Price band 5% Delivery 70.3%

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

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue1.321.081.181.582.021.270.052.141.851.600.873.38
Interest0.180.100.200.190.160.250.240.180.260.430.390.30
Expenses0.430.570.660.730.670.940.440.510.740.720.670.59
Financing Profit0.710.410.320.661.190.08-0.631.450.850.45-0.192.49
Financing Margin %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%
Other Income0.070.010.050.100.090.090.170.080.180.070.070.07
Depreciation0.060.060.120.110.110.110.110.100.100.140.130.12
Profit before tax0.720.360.250.651.170.06-0.571.430.930.38-0.252.44
Tax %13.89%30.56%68.00%10.77%35.90%0.00%-17.54%24.48%25.81%44.74%4.00%26.64%
Net Profit0.590.230.020.560.740.03-0.481.080.670.23-0.281.79
EPS in Rs1.230.480.041.171.550.06-1.002.261.380.46-0.563.70
Gross NPA %
Net NPA %
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue2.312.966.962.642.281.783.693.014.634.926.507.70
Interest0.210.401.141.341.320.930.980.760.690.841.261.38
Expenses1.412.165.212.012.432.812.882.812.352.782.662.72
Financing Profit0.690.400.61-0.71-1.47-1.96-0.17-0.561.591.302.583.60
Financing Margin %29.87%13.51%8.76%-26.89%-64.47%-110.11%-4.61%-18.60%34.34%26.42%39.69%46.75%
Other Income0.060.040.070.110.090.180.100.110.140.450.380.39
Depreciation0.140.100.070.090.290.190.110.200.300.440.460.49
Profit before tax0.610.340.61-0.69-1.67-1.97-0.18-0.651.431.312.503.50
Tax %-1.64%-32.35%16.39%2.90%-1.20%-22.34%183.33%40.00%32.87%29.77%31.20%
Net Profit0.630.470.64-0.83-1.65-1.53-0.51-0.920.860.851.712.41
EPS in Rs1.400.981.34-1.73-3.45-3.20-1.07-1.921.801.783.554.98
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%28.18%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth11%30%29%41%
Compounded Profit Growth10%25%57%74%
Stock Price CAGR13%11%8%-28%
Return on Equity0%0%1%1%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3.914.494.794.794.794.794.794.794.794.794.794.79
Reserves9.219.8410.3210.9622.4822.1766.6880.1378.73127.09168.2995.23
Borrowing2.672.4810.4512.0713.1914.235.035.658.417.234.4113.66
Other Liabilities1.321.151.811.381.810.906.165.055.249.7920.6315.90
Total Liabilities17.1117.9627.3729.2042.2742.0982.6695.6297.17148.90198.12129.58
Fixed Assets1.551.441.351.300.370.360.190.850.920.704.584.90
CWIP0.000.000.000.000.000.000.000.000.000.000.000.00
Investments10.1011.5119.1218.2626.3925.6774.6886.5087.14142.31190.35111.84
Other Assets5.465.016.909.6415.5116.067.798.279.115.893.1912.84
Total Assets17.1117.9627.3729.2042.2742.0982.6695.6297.17148.90198.12129.58
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-2.650.00-1.41-1.32-0.04-1.190.58-1.24-3.513.381.39-9.60
Cash from Investing Activity0.140.17-6.660.908.151.502.811.710.74-1.562.331.35
Cash from Financing Activity2.49-0.038.030.45-1.40-0.25-10.09-0.362.83-1.92-3.667.98
Net Cash Flow-0.010.14-0.040.026.710.07-6.710.120.06-0.100.06-0.27
Free Cash Flow-2.65-0.03-1.41-1.33-0.25-1.200.56-2.01-3.783.351.36-10.24
CFO/OP-644%2%-190%-70%19%713%-77%-149%-1,755%152%70%-241%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters73.80%74.40%74.40%74.40%74.40%74.40%74.40%74.40%74.40%74.40%74.40%74.40%
DIIs1.37%1.37%1.37%1.37%1.37%1.37%1.37%1.37%1.37%1.37%1.37%1.37%
Public24.84%24.23%24.24%24.23%24.23%24.23%24.23%24.23%24.22%24.24%24.23%24.24%
No. of Shareholders3,2013,2293,2843,3953,7214,8174,7704,7204,8154,9394,9654,951

Fundamentals

Market Cap₹ 28.2 Cr.
Current Price₹ 59.0
Stock P/E11.9
Book Value₹ 209
ROCE2.56 %
ROE1.24 %
Dividend Yield1.69 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)41%
Compounded Profit Growth (TTM)74%
Consolidated figures.
Valuation
Market capRs 28 Cr
Enterprise valueRs 41 Cr
P/E (TTM)11.74x
Price to book0.28x
Price to sales3.63x
EV / EBITDA7.72x
EV / EBIT8.49x
EV / sales5.38x
Earnings yield8.52%
Dividend yield1.72%
P/E, 3-year average28.81x
P/B, 3-year average0.20x
P/E, 5-year average28.81x
P/B, 5-year average0.19x
Profitability
Operating margin (excl. other income)59.08%
Operating margin (incl. other income)64.92%
EBITDA margin69.74%
Pre-tax margin45.45%
Net profit margin30.91%
Net margin, latest quarter52.37%
ROE1.25%
ROCE2.58%
ROA1.04%
ROE, 3-year average0.87%
ROCE, 3-year average1.93%
ROA, 3-year average0.74%
ROE, 5-year average0.17%
ROCE, 5-year average1.37%
ROA, 5-year average0.14%
ROIC (approx.)2.96%
Tax rate31.20%
Other income / net worth0.38%
Growth
Sales growth (latest year)32.11%
Profit growth (latest year)100.00%
Sales CAGR, 3 years29.26%
Sales CAGR, 5 years29.57%
Sales growth QoQ288.51%
Sales growth YoY (latest quarter)57.94%
Profit growth YoY (latest quarter)63.89%
Per share
EPS (TTM)Rs 4.97
EPS (latest year)Rs 3.55
EPS (latest quarter)Rs 3.70
EPS, 3-year averageRs 2.38
EPS, 5-year averageRs 0.83
Book value per shareRs 209.00
Sales per shareRs 16.09
Cash flow per shareRs -20.06
Free cash flow per shareRs -21.40
Dividend per share (latest year)Rs 1.00
Dividend per share, 3-year averageRs 1.00
Dividend per share, 5-year averageRs 1.00
Dividends
Dividend payout28.24%
Dividend payout, 3-year average28.24%
Dividend payout, 5-year average28.24%
Efficiency
Asset turnover0.05x
Fixed asset turnover1.33x
Leverage
Total debtRs 14 Cr
Cash and bankRs 0 Cr
Net debtRs 14 Cr
Debt to equity0.14x
Net debt / EBITDA2.52x
Interest coverage3.54x
Owners' fund to total sources77.19%
Debt to assets10.54%
Cash flow
Cash from Operating Activity (latest year)Rs -10 Cr
Cash from Investing Activity (latest year)Rs 1 Cr
Cash from Financing Activity (latest year)Rs 8 Cr
Net Cash Flow (latest year)Rs -0 Cr
Free cash flow (latest year)Rs -10 Cr
FCFE (approx.: FCF + change in debt)Rs -1 Cr
Cash from ops / profit, 5 years-4.81x
Statement figures
Net sales (TTM)Rs 8 Cr
Net sales (latest year)Rs 6 Cr
Sales (latest quarter)Rs 3 Cr
Operating profit excl. other income (latest year)Rs 4 Cr
Operating profit (latest quarter)Rs 3 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 5 Cr
PBDT (TTM)Rs 4 Cr
Profit before tax (TTM)Rs 4 Cr
Tax (latest year)Rs 1 Cr
Net profit (TTM)Rs 2 Cr
Net profit (latest year)Rs 2 Cr
Net profit (latest quarter)Rs 2 Cr
Depreciation (TTM)Rs 0 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 1 Cr
Cost of goods sold (latest year)Rs 0 Cr
Total expenditure (latest year)Rs 3 Cr
Total income (latest year)Rs 7 Cr
Share capitalRs 5 Cr
ReservesRs 95 Cr
Shareholders' fundsRs 100 Cr
Total assetsRs 130 Cr
Net blockRs 5 Cr
InvestmentsRs 112 Cr
Other liabilitiesRs 16 Cr
Shares outstanding (crore)0.48
Ownership
Promoter holding74.40% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 11.7 is the lowest in its own 4.1-year history (median 25.7, low 11.7, high 67.1).
P/B 0.28 is at the 59th percentile (median 0.24).
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.
PeriodKJMCFINNifty 50Difference
1 week-2.4%-2.8% +0.3 pts
1 month-8.9%-6.8% -2.1 pts
3 years+25.0%+14.2% +10.9 pts
5 years+79.4%+27.9% +51.5 pts

Red flags

F-score 5 of 8
explainWeak cash conversion Cash from operations was -142% of net profit over the last 3 years
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 ₹3 Cr +57.9% vs Jun 2025. Net profit ₹2 Cr +65.7%.
Against our estimate for Jun 2026: sales -1.3%, profit +106.7% big beat. Our estimate for Sep 2026: sales Rs 3 Cr, profit Rs 1 Cr (how).

Activity

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No bulk or block deals on record.
Ex-dateActionFactor
2026-09-21Dividend - Re 1 Per Share
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.
Less than 100 unique PAN traded in previous 30 days

Quick answers

What is the market cap of KJMC Financial Services Ltd?

KJMC Financial Services Ltd (KJMCFIN) has a market capitalisation of Rs 28.2 Cr. at the 2026-10-01 close.

What is the P/E ratio of KJMC Financial Services Ltd?

KJMC Financial Services Ltd trades at a P/E of 11.9 on trailing twelve-month profit, at the 2026-10-01 close.

What were KJMC Financial Services Ltd's latest quarterly results?

In the Jun 2026 quarter, KJMC Financial Services Ltd revenue was Rs 3 Cr (+57.9% vs Jun 2025) and net profit was Rs 2 Cr.

What is the 52-week high and low of KJMC Financial Services Ltd?

The 52-week high is Rs 84.50 and the 52-week low is Rs 51.01.

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