WEBSITE BSE:543860 NSE: JAFINANCE Inc. Year: 1993 Industry: Finance - Investment My Bucket: Add Stock
Last updated: 11:24
No Notes Added Yet
Established in 1993 and headquartered in Kolkata, West Bengal, JA Finance Ltd is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). The company specializes in providing financial services, including investments in securities, leasing, and bill discounting, as well as trading in shares and derivatives .​The company\'s board comprises key managerial personnel, including Raju Patro as Company Secretary and Mahesh Agiwal as CFO, with directors Ankit Goyal, Akshay Goyal, and Dilip Goyal among others . JA Financ...Read More
Established in 1993 and headquartered in Kolkata, West Bengal, JA Finance Ltd is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI). The company specializes in providing financial services, including investments in securities, leasing, and bill discounting, as well as trading in shares and derivatives .​The company\'s board comprises key managerial personnel, including Raju Patro as Company Secretary and Mahesh Agiwal as CFO, with directors Ankit Goyal, Akshay Goyal, and Dilip Goyal among others . JA Finance Ltd continues to focus on expanding its financial services portfolio and enhancing shareholder value in the competitive NBFC sector. ...Read Less
Our experts help you choose the right stocks based on performance, risk, and growth potential.
Market Cap ₹91 Cr.
Stock P/E -2209
P/B 4.5
Current Price ₹85.9
Book Value ₹ 19.2
Face Value 10
52W High ₹178.6
Dividend Yield 0%
52W Low ₹ 50.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 |
| Total Expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Profit | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | -0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | -0 |
| Adjustments | 0 | 0 | -0 | 0 | -0 | 0 | -0 | -0 | 0 | -0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | -0 |
| Adjusted Earnings Per Share | 0.3 | 0.2 | 0.3 | 0.3 | 0.2 | 0.2 | -0.7 | 0.2 | 0.2 | -0.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 3 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 3 |
| Total Expenditure | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 |
| Operating Profit | -1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 1 | 1 | 0 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 1 |
| Profit After Tax | 0 | 1 | 1 | -0 | 1 | 1 | -0 | 2 | 0 | 1 | -0 | -1 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 1 | 1 | -0 | 1 | 1 | -0 | 2 | 0 | 1 | -0 | -1 |
| Adjusted Earnings Per Share | 0.9 | 2 | 2.3 | -0.1 | 1.9 | 2.8 | -0 | 1.6 | 0.4 | 1 | -0 | -0.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -33% | 0% | 0% | 7% |
| Operating Profit CAGR | -50% | 0% | 0% | 0% |
| PAT CAGR | -100% | -100% | -100% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -39% | 32% | NA% | NA% |
| ROE Average | -0% | 2% | 3% | 4% |
| ROCE Average | 6% | 6% | 7% | 6% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 13 | 14 | 15 | 15 | 17 | 18 | 18 | 19 | 19 | 20 | 20 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 1 |
| Current Liability | 1 | 3 | 3 | 3 | 2 | 3 | 4 | 5 | 8 | 5 | 3 |
| Other Liabilities & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 14 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 27 | 27 | 24 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 21 | 23 |
| Investments | 1 | 1 | 1 | 1 | 3 | 2 | 2 | 2 | 3 | 1 | 1 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Loans | 7 | 9 | 11 | 14 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 6 | 6 | 6 | 3 | 16 | 18 | 20 | 21 | 25 | 4 | 0 |
| Total Assets | 14 | 16 | 17 | 18 | 20 | 21 | 22 | 24 | 27 | 27 | 24 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Cash Flow from Operating Activities | -4 | 0 | 1 | 4 | 0 | -1 | -1 | 0 | -2 | 4 | -1 |
| Cash Flow from Investing Activities | 3 | -2 | -0 | -4 | 0 | 0 | -0 | -0 | -1 | -0 | 3 |
| Cash Flow from Financing Activities | 1 | 2 | -0 | -0 | -1 | 1 | 1 | -0 | 3 | -2 | -3 |
| Net Cash Inflow / Outflow | -0 | -0 | -0 | 0 | -0 | 0 | -0 | 0 | 1 | 1 | -2 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.85 | 2.03 | 2.25 | -0.11 | 1.92 | 2.77 | -0.01 | 1.59 | 0.38 | 0.95 | -0.04 |
| CEPS(Rs) | 0.86 | 2.03 | 2.26 | -0.11 | 1.92 | 2.77 | -0.01 | 1.59 | 0.38 | 0.95 | -0.04 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0.1 | 0 | 0.1 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 32.15 | 34.2 | 36.96 | 36.84 | 43.44 | 44.19 | 44.22 | 17.44 | 17.75 | 18.69 | 18.82 |
| Net Profit Margin | 29.1 | 29.34 | 45.23 | -2.72 | 46.63 | 67.7 | -0.12 | 79.12 | 18.61 | 33.12 | -1.82 |
| Operating Margin | 39.27 | 43.92 | 69.28 | 20.07 | 74.52 | 95.36 | 61.12 | 110.21 | 57.99 | 71.99 | 63.17 |
| PBT Margin | 36.27 | 36.99 | 56.73 | 5.68 | 59.91 | 78.9 | 44.47 | 89.65 | 28.58 | 42.04 | 48.75 |
| ROA(%) | 2.67 | 5.45 | 5.36 | -0.25 | 4.04 | 5.43 | -0.01 | 7.41 | 1.6 | 3.72 | -0.16 |
| ROE(%) | 2.69 | 6.11 | 6.33 | -0.3 | 4.77 | 6.33 | -0.01 | 9.37 | 2.16 | 5.22 | -0.21 |
| ROCE(%) | 3.66 | 8.27 | 8.36 | 1.92 | 6.67 | 7.76 | 5.15 | 10.48 | 5.02 | 8.15 | 5.63 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 29.27 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.49 | 5.16 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 3.66 | 2.26 | 3.17 | 3.92 | 3.74 | 4.3 | 4.56 | 7.15 | 8.33 | 11.34 | 47.31 |
| EV/Core EBITDA(x) | -4.14 | 5.13 | 4.57 | 19.43 | 5.86 | 7.27 | 7.45 | 11.49 | 14.35 | 15.75 | 75.07 |
| Interest Earned Growth(%) | 70.79 | 135.86 | -27.88 | -17.69 | 0.19 | -0.23 | 9.47 | 19.71 | 1.58 | 40.29 | -25.69 |
| Net Profit Growth | 46.75 | 137.82 | 11.17 | -104.96 | 1814.61 | 44.84 | -100.2 | 0 | -76.1 | 149.59 | -104.09 |
| EPS Growth(%) | 46.75 | 137.82 | 11.17 | -104.96 | 1814.6 | 44.84 | -100.2 | 0 | -76.1 | 149.58 | -104.09 |
| Interest Coverage(x) % | 13.08 | 6.34 | 5.52 | 1.39 | 5.1 | 5.79 | 3.67 | 5.36 | 1.97 | 2.4 | 4.38 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 59.91 | 59.91 | 59.9 | 59.9 | 59.9 | 59.9 | 59.9 | 59.9 | 59.9 | 59.9 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 40.09 | 40.09 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 | 40.1 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 | 0.64 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 | 0.43 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 | 1.06 |
* The pros and cons are machine generated.
You May Also Know About
Looking to buy unlisted shares or need guidance on the investment process? Our expert Private Equity Advisors are here to assist you with accurate information, real-time pricing, and seamless execution.
Want to sell unlisted shares, liquidate your ESOPs, or understand the step-by-step process of liquidation? Connect with our Buying Team for smooth coordination, quick evaluations, and end-to-end support.
Planning to build or grow your portfolio? For Mutual Fund investments, PMS solutions, tailored portfolio creation, and overall wealth management, our dedicated Wealth Team is ready to guide you.
ChatGPT
Claude
Perplexity
