Key Financials Snapshot

TTM · Consolidated · ₹ in Cr
Market Cap
₹28 Cr.
Stock P/E
16
P/B
0.3
Current Price
₹57.7
Book Value
₹ 212.7
Face Value
10
52W High
₹88
52W Low
₹ 41.2
Dividend Yield
1.73%

KJMC Financial Serv Overview

Business

KJMC Financial Services Ltd. is an Indian Non-Banking Financial Company (NBFC). As an NBFC, its primary business involves providing a range of financial services, excluding conventional banking activities like accepting demand deposits. Typically, NBFCs like KJMC offer various forms of credit and financial solutions. The company's core business model revolves around lending activities, which could include corporate loans, retail loans, and potentially investment-related services. It generates revenue primarily through interest income earned on loans and advances, as well as fees for financial advisory or other services provided.

Revenue Mix

Without specific detailed disclosures, typical NBFCs in India operate across segments such as:

Lending: Providing term loans, working capital loans, and other credit facilities to corporate clients and SMEs.

Retail Finance: Offering consumer loans, vehicle finance, housing finance (through a subsidiary or dedicated division), or loans against securities.

Capital Market Activities: This could include activities like broking, wealth management, investment banking services, or acting as merchant bankers.

Treasury Operations: Managing its own investment portfolio.

Specific revenue contributions from these segments for KJMC Financial Services Ltd. are not readily available in this context.

Industry

The Indian NBFC sector is diverse, comprising a wide range of players from large, systemically important companies to smaller, niche-focused entities. The industry is regulated by the Reserve Bank of India (RBI) and is characterized by intense competition from banks, other NBFCs, and emerging FinTech firms. KJMC Financial Services Ltd. likely operates within a specific niche or regional focus, positioning itself by catering to particular customer segments or offering specialized financial products where larger banks or NBFCs may have less presence or flexibility. Its positioning would depend on its scale, geographical reach, and target clientele within the competitive landscape.

MOAT

For an NBFC of its nature, potential competitive advantages (moats) might include:

Niche Expertise: Specialization in a particular type of lending or financial service (e.g., SME lending, specific asset-backed finance) where it has developed deep understanding and efficient processes.

Strong Client Relationships: Established relationships with a specific client base, built on trust and tailored service.

Localized Market Knowledge: For regionally focused operations, a strong understanding of local market dynamics and customer needs.

Agility & Flexibility: Compared to large banks, a smaller NBFC might be more agile in its decision-making and product offerings, catering to underserved segments.

However, scalable moats like strong brand recognition, vast distribution networks, or significant cost advantages are typically harder for smaller NBFCs to establish against larger players.

Growth Drivers

Key factors that can drive growth for KJMC Financial Services Ltd. over the next 3-5 years include:

Economic Growth: A growing Indian economy generally translates to increased demand for credit from both businesses and individuals.

Credit Gap in Underserved Segments: Continued demand for credit from SMEs, micro-enterprises, and certain retail segments not fully catered to by traditional banks.

Financial Inclusion Initiatives: Government and regulatory pushes for greater financial access can create opportunities for NBFCs with tailored offerings.

Digital Adoption: Leveraging technology for improved customer acquisition, credit assessment, and operational efficiency.

Expansion into New Geographies or Product Niches: Strategic expansion to capitalize on emerging market opportunities.

Risks

Credit Risk: The primary risk for any lending institution, stemming from the potential default of borrowers, leading to non-performing assets (NPAs).

Interest Rate Risk: Fluctuations in interest rates can impact the company's net interest margin and profitability.

Liquidity Risk: The risk of not being able to meet short-term financial obligations due to insufficient cash flow or difficulty in raising funds.

Regulatory Changes: NBFCs operate under strict RBI regulations; any adverse changes in policies (e.g., capital adequacy norms, lending guidelines) can impact operations and profitability.

Competition: Intense competition from banks and other NBFCs can put pressure on margins and market share.

Economic Downturns: A slowdown in economic activity can lead to reduced credit demand and increased loan defaults.

Management & Ownership

KJMC Financial Services Ltd. is likely a promoter-driven company, a common structure in India. The quality of management is critical for an NBFC, emphasizing experience in financial services, robust risk management practices, and adherence to regulatory norms. The promoter group typically holds a significant stake, indicating a long-term commitment to the business. Effective corporate governance and the expertise of the board and senior management in navigating the complex financial landscape are crucial for sustained performance and stakeholder trust.

Outlook

KJMC Financial Services Ltd. operates in a dynamic Indian financial market that presents both significant opportunities and challenges. The long-term growth trajectory of the Indian economy and the persistent demand for credit, especially from underserved segments, could provide tailwinds for the company. Its ability to identify and effectively serve specific niches, coupled with prudent risk management and operational efficiency, will be key to its success. However, the company faces inherent risks associated with lending, intense competition, and a continuously evolving regulatory environment. Sustained profitability and growth will depend on its capacity to manage credit quality, maintain adequate liquidity, and adapt to technological advancements and market shifts, while navigating potential economic volatilities.

KJMC Financial Serv Share Price

Live · BSE / NSE · Inception: 1988
₹ | |
Volume
Price

Key Financials — Profit & Loss

₹ in Cr · Consolidated · annual

KJMC Financial Serv Quarterly Results

#(Fig in Cr.) Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
Operating Revenue 1 2 2 1 0 2 2 2 1 3
Other Income 0 0 0 0 0 0 0 0 0 0
Total Income 1 2 2 1 0 2 2 2 1 3
Total Expenditure 1 1 1 1 0 1 1 1 1 1
Operating Profit 1 1 1 0 -0 2 1 1 0 3
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 1 1 0 -1 1 1 0 -0 2
Provision for Tax 0 0 0 0 -0 0 0 0 0 1
Profit After Tax 0 1 1 0 -0 1 1 0 -0 2
Adjustments -0 -0 -0 -0 -0 -0 -0 0 -0 -0
Profit After Adjustments 0 1 1 0 -0 1 1 0 -0 2
Adjusted Earnings Per Share 0 1.2 1.6 0.1 -1 2.3 1.4 0.5 -0.6 3.7

KJMC Financial Serv Profit & Loss

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
Operating Revenue 2 3 7 2 2 2 4 3 5 5 7 8
Other Income 0 0 0 0 1 0 0 0 0 0 0 0
Total Income 2 3 7 3 2 2 4 3 5 5 7 8
Total Expenditure 1 2 5 2 2 3 3 3 2 3 3 4
Operating Profit 1 1 2 1 -0 -1 1 0 2 3 4 5
Interest Expense 0 0 1 1 1 1 1 1 1 1 1 0
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit Before Tax 1 0 1 -1 -2 -2 -0 -1 1 1 3 3
Provision for Tax -0 -0 0 0 -0 -0 0 0 0 0 1 1
Profit After Tax 1 0 1 -1 -2 -2 -1 -1 1 1 2 3
Adjustments 0 0 0 -0 0 0 -0 -0 -0 -0 -0 0
Profit After Adjustments 1 0 1 -1 -2 -2 -1 -1 1 1 2 3
Adjusted Earnings Per Share 1.4 1 1.3 -1.7 -3.4 -3.2 -1.1 -1.9 1.8 1.8 3.5 5

KJMC Financial Serv Balance Sheet

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Shareholder's Funds 15 15 16 27 27 71 85 84 132 173 100
Minority's Interest 0 0 0 0 0 0 0 0 0 0 2
Borrowings 0 0 0 0 3 3 1 8 7 4 13
Current Liability 2 11 12 12 11 2 4 0 0 1 0
Other Liabilities & Provisions -0 -0 0 3 2 7 6 6 10 21 15
Total Liabilities 17 26 28 43 42 83 96 97 149 198 130
Loans 0 0 0 0 0 0 0 0 4 1 11
Investments 10 12 12 26 25 74 84 82 137 185 103
Fixed Assets 1 1 1 0 0 0 1 1 1 1 1
Other Loans 3 2 3 3 3 2 2 1 0 0 1
Other Non Current Assets 0 0 0 0 0 0 0 0 0 0 0
Current Assets 2 10 11 14 14 7 9 14 7 11 14
Total Assets 17 26 28 43 42 83 96 97 149 198 130

KJMC Financial Serv Cash Flow

#(Fig in Cr.) Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Opening Cash & Cash Equivalents 0 0 0 0 7 7 0 0 0 0 0
Cash Flow from Operating Activities -0 -1 -1 -0 -1 1 -1 -4 3 1 -10
Cash Flow from Investing Activities 0 -7 1 8 2 3 2 1 -2 2 1
Cash Flow from Financing Activities -0 8 0 -1 -0 -10 -0 3 -2 -4 8
Net Cash Inflow / Outflow 0 -0 0 7 0 -7 0 0 -0 0 -0
Closing Cash & Cash Equivalent 0 0 0 7 7 0 0 0 0 0 0

KJMC Financial Serv Ratios

# Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Earnings Per Share (Rs) 1.41 0.99 1.34 -1.73 -3.44 -3.2 -1.06 -1.93 1.8 1.77 3.55
CEPS(Rs) 1.71 1.16 1.2 -1.32 -2.85 -2.81 -0.83 -1.5 2.63 2.85 4.57
DPS(Rs) 0 0 0 0 0 0 0 0 0 0 1
Book NAV/Share(Rs) 31.94 31.56 32.9 56.97 56.32 149.34 177.44 174.52 275.56 361.66 208.99
Net Profit Margin 27.48 15.75 7.28 -30.73 -92.16 -102.34 -14.07 -31.84 20.67 18.74 26.54
Operating Margin 35.86 25.49 26.26 32.32 -19.84 -69.6 22.36 3.63 45.72 43.82 57.8
PBT Margin 26.9 11.82 8.81 -29.56 -93.31 -131.52 -4.8 -22.71 30.8 26.68 38.47
ROA(%) 3.89 2.17 1.87 -2.04 -3.89 -2.44 -0.56 -0.95 0.78 0.53 1.05
ROE(%) 4.59 3.14 3.28 -3.35 -6.11 -3.12 -0.65 -1.09 0.89 0.61 1.26
ROCE(%) 5.05 3.53 6.83 2.26 -0.9 -1.81 0.98 0.12 1.84 1.37 2.59
Price/Earnings(x) 8.77 24.53 25.21 0 0 0 0 0 27.25 47.46 11.76
Price/Book(x) 0.39 0.77 1.03 0.39 0 0.1 0.16 0.16 0.18 0.23 0.2
Dividend Yield(%) 0 0 0 0 0 0 0 0 0 0 2.4
EV/Net Sales(x) 3.4 7.45 4.03 6.68 6.06 7 4.9 7.3 6.49 8.93 5.1
EV/Core EBITDA(x) 8.14 25.92 14.82 18.47 -173.77 -12.31 19.36 68.76 12.41 16.92 7.85
Interest Earned Growth(%) 65.99 27.82 136.82 -66.21 -23.45 -16.5 139.69 -19.76 60.51 6.29 32.08
Net Profit Growth 180.35 -26.76 9.53 -242.57 -129.59 7.27 67.05 -81.61 204.18 -3.59 86.98
EPS Growth(%) 151.19 -29.96 35.71 -229.42 -98.54 7.05 66.89 -81.88 193.51 -1.54 100.16
Interest Coverage(x) % 4 1.86 1.5 0.52 -0.27 -1.12 0.82 0.14 3.06 2.56 2.99

Growth Rates

Compounded annual
# 1 Year 3 Year 5 Year 10 Year
Sales CAGR +40% +33% +28% +13%
Operating Profit CAGR +33% — — +15%
PAT CAGR +100% — — +7%
Share Price CAGR -31% +5% +21% +10%
ROE Average +1% +1% 0% 0%
ROCE Average +3% +2% +1% +2%

KJMC Financial Serv Shareholding Pattern

Latest · Sep 2026
100% held
Promoters 74.4 %
FII 0 %
DII (MF + Insurance) 1.37 %
Public (retail) 24.24 %
# Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
Promoter 74.474.474.474.474.474.474.474.474.474.4
FII 0000000000
DII 1.371.371.371.371.371.371.371.371.371.37
Public 24.2424.2424.2424.2424.2424.2424.2424.2424.2424.24
Others 0000000000
Total 100100100100100100100100100100

KJMC Financial Serv Peer Comparison

Finance - NBFC Edit Columns

KJMC Financial Serv Quarterly Price

10-year quarterly close · BSE
Show Value Show %

News & Updates

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KJMC Financial Serv Pros & Cons

Pros

  • Stock is trading at 0.3 times its book value
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 1% over the last 3 years.
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