WEBSITE BSE:538834 NSE: JMJFIN Inc. Year: 1982 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 11:06
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JMJ Fintech Ltd. is an Indian financial technology company engaged in providing digital financial services and solutions. Its offerings typically include online lending platforms, digital payment solutions, fintech-based investment services, and other technology-driven financial products aimed at individuals and businesses. The company focuses on leveraging technology, data analytics, and innovative platforms to enhance accessibility, efficiency, and convenience in financial transactions. JMJ Fintech Ltd. aims to simplify financial services, p...Read More
JMJ Fintech Ltd. is an Indian financial technology company engaged in providing digital financial services and solutions. Its offerings typically include online lending platforms, digital payment solutions, fintech-based investment services, and other technology-driven financial products aimed at individuals and businesses. The company focuses on leveraging technology, data analytics, and innovative platforms to enhance accessibility, efficiency, and convenience in financial transactions. JMJ Fintech Ltd. aims to simplify financial services, provide seamless digital experiences, and expand financial inclusion across urban and semi-urban markets. Through its operations, the company seeks to strengthen its presence in India’s growing fintech sector, support digital transformation in financial services, and cater to evolving customer needs with secure, reliable, and user-friendly financial solutions. ...Read Less
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Market Cap ₹40 Cr.
Stock P/E 7.8
P/B 0.7
Current Price ₹10.5
Book Value ₹ 14.2
Face Value 10
52W High ₹21.2
Dividend Yield 1.24%
52W Low ₹ 8.8
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1 | 2 | 3 | 4 | 4 | 4 | 6 | 5 | 6 | 5 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 2 | 3 | 4 | 4 | 4 | 6 | 5 | 6 | 5 |
| Total Expenditure | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 2 | 2 |
| Operating Profit | 1 | 1 | 2 | 3 | 3 | 2 | 4 | 2 | 5 | 3 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1 | 1 | 2 | 2 | 2 | 1 | 3 | 2 | 4 | 2 |
| Provision for Tax | 0 | 0 | 1 | 1 | 1 | 0 | 3 | 0 | 1 | 1 |
| Profit After Tax | 0 | 1 | 0 | 2 | 2 | 1 | 1 | 1 | 3 | 2 |
| Adjustments | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 1 | 0 | 2 | 2 | 1 | 1 | 1 | 3 | 2 |
| Adjusted Earnings Per Share | 0.2 | 0.4 | 0.2 | 0.7 | 0.7 | 0.4 | 0.3 | 0.5 | 1.5 | 0.8 |
| #(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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 4 | 2 | 3 | 3 | 4 | 2 | 2 | 1 | 4 | 7 | 17 | 22 |
| Other Income | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 5 | 2 | 3 | 4 | 4 | 2 | 2 | 1 | 4 | 7 | 17 | 22 |
| Total Expenditure | 4 | 3 | 3 | 4 | 4 | 3 | 2 | 1 | 3 | 3 | 6 | 9 |
| Operating Profit | 0 | -1 | 0 | 0 | -0 | -0 | -0 | 0 | 0 | 5 | 11 | 14 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 4 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| Profit Before Tax | 0 | -1 | 0 | 0 | -0 | -0 | -0 | 0 | 1 | 4 | 9 | 11 |
| Provision for Tax | 0 | -0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 2 | 4 | 5 |
| Profit After Tax | 0 | -1 | 0 | 0 | -0 | -0 | -0 | 0 | 1 | 2 | 5 | 7 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | -1 | 0 | 0 | -0 | -0 | -0 | 0 | 1 | 2 | 5 | 7 |
| Adjusted Earnings Per Share | 0 | -0.3 | 0.1 | 0 | -0.1 | -0.2 | -0.1 | 0 | 0.3 | 0.9 | 2.1 | 3.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 143% | 157% | 53% | 16% |
| Operating Profit CAGR | 120% | 0% | 0% | 0% |
| PAT CAGR | 150% | 0% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -20% | 6% | 49% | -24% |
| ROE Average | 26% | 16% | 9% | 3% |
| ROCE Average | 31% | 21% | 13% | 5% |
| #(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 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 13 | 16 | 24 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 10 | 20 |
| Other Non-Current Liabilities | -0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 |
| Total Current Liabilities | 0 | 1 | 0 | 0 | 1 | 2 | 1 | 0 | 3 | 2 | 4 |
| Total Liabilities | 13 | 13 | 13 | 12 | 13 | 14 | 12 | 12 | 16 | 27 | 48 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 13 | 13 | 12 | 12 | 13 | 14 | 12 | 12 | 15 | 27 | 47 |
| Total Assets | 13 | 13 | 13 | 12 | 13 | 14 | 12 | 12 | 16 | 27 | 48 |
| #(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 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 1 | 0 |
| Cash Flow from Operating Activities | 1 | -1 | 0 | 1 | -2 | -0 | 2 | 2 | -3 | -8 | -9 |
| Cash Flow from Investing Activities | 0 | 0 | 0 | 0 | 0 | -1 | 0 | -0 | -1 | -0 | -1 |
| Cash Flow from Financing Activities | -0 | -0 | -0 | 0 | 1 | 1 | -1 | -1 | 3 | 7 | 12 |
| Net Cash Inflow / Outflow | 1 | -1 | 0 | 1 | -1 | -0 | 0 | 2 | -0 | -1 | 2 |
| Closing Cash & Cash Equivalent | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 2 | 1 | 0 | 2 |
| # | 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) | 0.03 | -0.28 | 0.07 | 0.01 | -0.09 | -0.16 | -0.11 | 0.02 | 0.35 | 0.89 | 2.09 |
| CEPS(Rs) | 0.04 | -0.28 | 0.07 | 0.01 | -0.09 | -0.16 | -0.11 | 0.02 | 0.36 | 0.97 | 2.19 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.13 |
| Book NAV/Share(Rs) | 5.38 | 5.1 | 5.18 | 5.2 | 5.11 | 4.95 | 4.84 | 4.86 | 5.29 | 6.51 | 9.57 |
| Core EBITDA Margin(%) | 3.5 | -32.35 | -5.2 | -17.94 | -4.09 | -22.46 | -4.59 | -47.86 | 8.77 | 65.41 | 65.71 |
| EBIT Margin(%) | 3.21 | -32.96 | 8.27 | 0.42 | -3.77 | -17.3 | -4.6 | 7.65 | 27.52 | 63.16 | 64.49 |
| Pre Tax Margin(%) | 3.2 | -32.99 | 8.07 | 0.14 | -5.95 | -17.88 | -12.05 | 7.64 | 25.82 | 51.76 | 55.24 |
| PAT Margin (%) | 1.56 | -32.86 | 5.76 | 0.74 | -5.95 | -17.88 | -15.31 | 7.64 | 21.82 | 28.68 | 30.2 |
| Cash Profit Margin (%) | 2.14 | -31.96 | 6.34 | 0.99 | -5.95 | -17.86 | -15.3 | 8.22 | 22.37 | 31.13 | 31.59 |
| ROA(%) | 0.54 | -5.25 | 1.26 | 0.2 | -1.67 | -2.84 | -1.98 | 0.4 | 6.02 | 9.89 | 13.7 |
| ROE(%) | 0.55 | -5.41 | 1.3 | 0.2 | -1.75 | -3.24 | -2.23 | 0.42 | 6.84 | 15.15 | 26.38 |
| ROCE(%) | 1.12 | -5.43 | 1.86 | 0.11 | -1.06 | -2.75 | -0.6 | 0.41 | 8.63 | 24.4 | 31.26 |
| Receivable days | 1.3 | 0 | 0 | 0.39 | 0 | 8.04 | 94.8 | 309.88 | 0 | 0 | 0 |
| Inventory Days | 340.41 | 644.43 | 305.98 | 143.17 | 202.48 | 341.9 | 206.2 | 252.24 | 0 | 0 | 0 |
| Payable days | 3.62 | 64.13 | 39.81 | 1.08 | 0 | 0 | 0 | 95.6 | 12.04 | 0 | 0 |
| PER(x) | 0 | 0 | 2372.58 | 496.66 | 0 | 0 | 0 | 339.94 | 22.39 | 11.14 | 6.12 |
| Price/Book(x) | 0 | 30.8 | 30.57 | 1 | 0.53 | 0.74 | 0.25 | 1.42 | 1.47 | 1.53 | 1.34 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.01 |
| EV/Net Sales(x) | 2.57 | 182.09 | 136.61 | 3.3 | 2.05 | 5 | 2.07 | 23.36 | 4.47 | 4.58 | 2.97 |
| EV/Core EBITDA(x) | 67.95 | -567.8 | 1544.28 | 494.79 | -54.56 | -28.93 | -45.07 | 284.05 | 48.96 | 6.98 | 4.5 |
| Net Sales Growth(%) | 162.29 | -54.13 | 34.25 | 22.1 | 7.42 | -40.05 | -21.68 | -62.78 | 499.86 | 95.66 | 129.66 |
| EBIT Growth(%) | 40.82 | -571.46 | 133.66 | -93.79 | -1062.68 | -175.35 | 79.17 | 161.86 | 2058.79 | 349.03 | 134.49 |
| PAT Growth(%) | -37.38 | -1063.24 | 123.54 | -84.28 | -961.22 | -80.22 | 32.91 | 118.57 | 1613.1 | 157.22 | 141.8 |
| EPS Growth(%) | -37.4 | -1063.29 | 123.54 | -84.28 | -961.37 | -80.21 | 32.92 | 118.57 | 1613.1 | 157.22 | 134.25 |
| Debt/Equity(x) | 0 | 0 | 0 | 0 | 0.09 | 0.18 | 0.06 | 0 | 0 | 0.67 | 0.89 |
| Current Ratio(x) | 215.96 | 21.42 | 96.49 | 287.67 | 11.26 | 6.39 | 15.51 | 70.86 | 4.92 | 17.66 | 10.82 |
| Quick Ratio(x) | 148.99 | 15.89 | 86.07 | 257.59 | 8.97 | 5.78 | 14.79 | 69.03 | 4.92 | 17.66 | 10.82 |
| Interest Cover(x) | 360.75 | -1370.49 | 42.56 | 1.48 | -1.73 | -29.84 | -0.62 | 991.1 | 16.2 | 5.54 | 6.97 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 | 0.18 | 0.25 | 0.24 | 0 | 0 | 0.44 | 0.67 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 23.56 | 23.56 | 23.56 | 23.56 | 14.5 | 14.5 | 14.5 | 23.27 | 23.27 | 23.27 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 76.44 | 76.44 | 76.44 | 76.44 | 85.5 | 85.5 | 85.5 | 76.73 | 76.73 | 76.73 |
| 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 | 0.29 | 0.29 | 0.29 | 0.29 | 0.19 | 0.19 | 0.19 | 0.89 | 0.89 | 0.89 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 0.95 | 0.95 | 0.95 | 0.95 | 1.09 | 1.09 | 1.09 | 2.95 | 2.95 | 2.95 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1.24 | 1.24 | 1.24 | 1.24 | 1.28 | 1.28 | 1.28 | 3.84 | 3.84 | 3.84 |
* The pros and cons are machine generated.
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