JMJ Fintech Ltd - Stock Valuation and Financial Performance

BSE: 538834 | NSE: | Finance - NBFC | Small Cap

JMJ Fintech Share Price

26.85 3.96 17.30%
as on 11-Feb'25 16:59

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JMJ Fintech stock performance -

P/E Ratio (SA):
6.92
Market Cap:
34.4 Cr.
52-wk low:
18.2
52-wk high:
40

Is JMJ Fintech Ltd an attractive stock to invest in?

1. Is JMJ Fintech Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that JMJ Fintech Ltd is a below average quality company.

2. Is JMJ Fintech Ltd undervalued or overvalued?

The key valuation ratios of JMJ Fintech Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is JMJ Fintech Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of JMJ Fintech Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of JMJ Fintech:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
JMJ Fintech Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
4.52.12.83.43.62.21.70.63.87.514
YoY Gr. Rt. %
--54.2%34.5%22%7.4%-39.9%-21.6%-62.6%495.3%95.8%-
Adj EPS (₹ )
0.1-0.60.10-0.2-0.3-0.200.71.73.9
YoY Gr. Rt. %
--1016.7%NA-84.6%-950%NANANA1575%156.7%-
BVPS (₹ )
10.49.810109.99.69.39.410.212.616.5
YoY Gr. Rt. %
--5.1%1.5%0.4%-1.8%-3.1%-2.2%0.4%8.9%22.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
0.5-5.31.30.2-1.7-2.8-20.469.90

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income5.8%15.5%63.4%95.8%
Adj EPS45.2%NANA156.7%
BVPS2.1%5%10.4%22.9%
Share Price -6.9% 26.2% 16.9% 10.8%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
1.6-32.95.80.7-6-17.9-15.37.621.828.635.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
0.6-5.41.30.2-1.8-3.2-2.20.46.815.223.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 26.70%

Total Income has increased 63.40 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - JMJ Fintech Ltd.

Standalone Consolidated
TTM EPS (₹) 3.9 -
TTM Sales (₹ Cr.) 14.1 -
BVPS (₹.) 16.5 -
Reserves (₹ Cr.) 8 -
P/BV 1.63 -
PE 6.92 -
From the Market
52 Week Low / High (₹) 18.24 / 39.97
All Time Low / High (₹) 2.18 / 365.00
Market Cap (₹ Cr.) 34.4
Equity (₹ Cr.) 12.8
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income3.1 305.33.7 373.13.7 154.43.6 67.3
Adj EPS (₹)0.37 184.61.47 8801.35 264.90.79 -4.8
Net Profit Mgn %15.07 -598 bps49.32 2537 bps44.46 1316 bps28.29 -1952 bps

Management X-Ray of JMJ Fintech:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:14.51%Institutions:0%Non-Institutions:85.49%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of JMJ Fintech

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of JMJ Fintech

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income4.512.073.164.013.652.291.710.993.827.47
Interest Income4.502.062.773.383.632.181.710.643.817.46
Other Income 0.010.010.390.630.010.1100.360.010
Expenditure 4.372.752.944.013.862.681.910.943.563.61
Interest Expense 000.010.010.080.010.1300.060.85
Operating Expenses 4.231.922.902.583.231.821.400.793.502.74
Provisions 0.140.830.031.420.550.850.380.1500.01
Exceptional Items 000000000.720
Profit Before Tax 0.14-0.680.220-0.22-0.39-0.210.050.983.86
Taxes 0.0700.06-0.02000.0600.151.72
Profit After Tax 0.07-0.680.160.03-0.22-0.39-0.260.050.832.14
Adjusted EPS (₹)0.1-0.60.10.0-0.2-0.3-0.20.00.71.7
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital12.9412.2612.4212.4512.2311.8411.5811.6312.6615.57
Share Capital 12.4012.4012.4012.4012.4012.4012.4012.4012.4012.40
Reserves 0.54-0.140.020.05-0.17-0.56-0.82-0.770.263.17
Minority Interest0000000000
Long Term Borrowings0-0.01-0.01000000.01-0.01
Current Liabilities 0.060.600.130.041.192.200.800.173.1411.88
Trade Payables0.040.550.0100000.070.090.45
Short term borrowings00001.152.160.71000
Other Liabilities-0.04-0.55-0.010-1.15-2.16-0.71-0.07-0.09-0.45
Total Liabilities 1312.8512.5412.4913.4214.0412.3811.8015.8127.44

Assets

Non Current Asset 0.050.030.0200000.030.350.58
Loan Asset 0000000000
Other Non Current Asset 0.050.030.0200000.030.350.58
Current Asset 12.8712.7612.4912.4813.4114.0412.3811.7715.4626.86
Current Investment0000000000
Other Current Asset12.8712.7612.4912.4813.4114.0412.3811.7715.4626.86
Total Assets 1312.8512.5412.4913.4214.0412.3811.8015.8127.44

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.91-0.660.071.07-2.33-0.131.562.27-2.63-8.36
Cash Flow From Investing Activity 0000.020-10-0.03-0.79-0.19
Cash Flow From Financing Activity -0.07-0.02-0.0201.151.01-1.46-0.712.997.37
Net Cash Flow 0.84-0.680.051.09-1.18-0.120.111.54-0.42-1.18
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0-100000012
DPS (₹)0000000000
BVPS (₹)101010101010991013

Performance Ratios

ROA (%)0.5-5.31.30.2-1.7-2.8-2.00.46.09.9
ROE (%)0.6-5.41.30.2-1.8-3.2-2.20.46.815.2
ROCE (%)1.1-5.41.90.1-1.1-2.8-0.60.48.633.4

Valuation Parameters

Price/Book(x)0.030.830.61.00.50.70.31.41.51.5

JMJ Fintech Ltd Stock News

JMJ Fintech Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of JMJ Fintech on 11-Feb-2025 16:59 is ₹26.85.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of JMJ Fintech stood at ₹34.37.
The latest P/E ratio of JMJ Fintech as of 11-Feb-2025 16:59 is 6.92.
The latest P/B ratio of JMJ Fintech as of 11-Feb-2025 16:59 is 1.63.
The 52-week high of JMJ Fintech is ₹39.97 and the 52-week low is ₹18.24.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JMJ Fintech is ₹14.09 ( Cr.) .

About JMJ Fintech Ltd

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