JM Financial Credit Solutions
No trades in 1Y
Key Insights
No strengths listed
Weaknesses
1- Company has a low return on equity of 3.78% over last 3 years.
Growth Rate
From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 10Y | +3.75% |
|---|---|
| 5Y | Irregular period |
| 3Y | Irregular period |
| 1Y | −8.98% |
| TTM | −8.67% |
Net profit
| 10Y | +7.86% |
|---|---|
| 5Y | Irregular period |
| 3Y | Irregular period |
| 1Y | Tiny base |
| TTM | +46.81% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2014 | ₹6.00 Cr |
|---|---|
| Mar 2015 | ₹98.00 Cr |
| Mar 2016 | ₹519 Cr |
| Mar 2017 | ₹788 Cr |
| Mar 2018 | ₹940 Cr |
| Mar 2019 | ₹1,279 Cr |
| Mar 2020 | ₹1,310 Cr |
| Mar 2024 | ₹1,305 Cr |
| Mar 2025 | ₹824 Cr |
| Mar 2026 | ₹750 Cr |
Net profit by year
| Mar 2014 | ₹2.00 Cr |
|---|---|
| Mar 2015 | ₹49.00 Cr |
| Mar 2016 | ₹198 Cr |
| Mar 2017 | ₹277 Cr |
| Mar 2018 | ₹315 Cr |
| Mar 2019 | ₹406 Cr |
| Mar 2020 | ₹382 Cr |
| Mar 2024 | ₹47.00 Cr |
| Mar 2025 | ₹15.00 Cr |
| Mar 2026 | ₹422 Cr |
Quarterly Results
₹ Cr| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 314 | 318 | 330 | 342 | 269 | 218 | 229 | 172 | 200 | 180 | 213 | 157 | 198 |
| Expenses | 149 | 144 | 66 | 278 | 73 | 203 | 122 | 10 | −172 | −4 | −8 | 3 | 18 |
| Financing Profit | 15 | 25 | 117 | −84 | 59 | −106 | 6 | 77 | 292 | 89 | 127 | 64 | 94 |
| Fin. Margin % | 5% | 8% | 35% | −25% | 22% | −49% | 2% | 45% | 146% | 50% | 60% | 41% | 48% |
| Other Income | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 |
| Interest | 150 | 149 | 147 | 149 | 137 | 121 | 102 | 85 | 80 | 95 | 94 | 90 | 86 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 |
| PBT | 14 | 23 | 115 | −86 | 60 | −107 | 4 | 75 | 290 | 88 | 126 | 63 | 96 |
| Tax % | 26% | 26% | 25% | −22% | 25% | −17% | 27% | 26% | 25% | 24% | 26% | 28% | 25% |
| Net Profit | 10 | 17 | 86 | −67 | 45 | −88 | 3 | 56 | 217 | 67 | 93 | 45 | 71 |
| Gross NPA % | 6.15% | — | 7.25% | — | 9.68% | 11.59% | 14.65% | 17.85% | 11.88% | 12.79% | 12.77% | 14.61% | 13.15% |
| Net NPA % | 3.63% | — | 3.46% | — | 3.4% | 2.68% | 0.94% | 2.27% | 1.58% | 2.1% | 2.11% | 1.98% | 1.78% |
Profit & Loss
₹ Cr| Particulars | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 6 | 98 | 519 | 788 | 940 | 1,279 | 1,310 | 1,305 | 824 | 750 | 749 |
| Expenses | 0 | 0 | 0 | 20 | 43 | 51 | 66 | 74 | 224 | 637 | 343 | −180 | 10 |
| Financing Profit | 0 | 0 | 3 | 64 | 302 | 425 | 484 | 627 | 537 | 72 | 36 | 572 | 375 |
| Fin. Margin % | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | Not meaningful for this period: the ratio divides by a base close to zero, so it is left blank rather than shown as a very large number. | 46% | 66% | 58% | 54% | 51% | 49% | 41% | 6% | 4% | 76% | 50% |
| Other Income | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 2 |
| Interest | 0 | 0 | 3 | 13 | 175 | 312 | 390 | 579 | 549 | 595 | 445 | 358 | 364 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 5 | 6 | 5 | 5 |
| PBT | 0 | 0 | 3 | 70 | 302 | 425 | 484 | 626 | 535 | 67 | 32 | 567 | 372 |
| Tax % | 17% | 23% | 36% | 30% | 35% | 35% | 35% | 35% | 29% | 30% | 54% | 26% | — |
| Net Profit | 0 | 0 | 2 | 49 | 198 | 277 | 315 | 406 | 382 | 47 | 15 | 422 | 276 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 0.05 | 0.05 | 0.05 | 1 | 1 | 2 | 2 | 3 | — | 3 | 3 | 3 |
| Reserves | 3 | 4 | 6 | 936 | 1,134 | 1,411 | 1,666 | 2,906 | — | 4,210 | 4,223 | 4,564 |
| Borrowing | 0 | 0 | 88 | 902 | 2,970 | 4,138 | 5,661 | 5,605 | — | 6,069 | 3,487 | 3,971 |
| Other Liabilities | 0 | 0 | 1 | 16 | 102 | 140 | 37 | 48 | — | 53 | 48 | 41 |
| Total Liabilities | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | — | 10,334 | 7,761 | 8,578 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | — | 21 | 13 | 12 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — | 0 | 0 | 0 |
| Investments | 2 | 3 | 0 | 0 | 0 | 0 | 0 | 295 | — | 1,776 | 3,662 | 4,851 |
| Other Assets | 1 | 0 | 95 | 1,856 | 4,206 | 5,690 | 7,366 | 8,266 | — | 8,538 | 4,086 | 3,715 |
| Total Assets | 4 | 4 | 95 | 1,856 | 4,207 | 5,691 | 7,366 | 8,563 | — | 10,334 | 7,761 | 8,578 |
Cash Flow
₹ Cr| Particulars | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 0 | 0 | −91 | −1,705 | −1,970 | −1,270 | −1,318 | −432 | — | 2,042 | 3,219 | 581 |
| Investing | 1 | −1 | 4 | 9 | 1 | 1 | 2 | −286 | — | −602 | −1,823 | −966 |
| Financing | 0 | 0 | 88 | 1,697 | 2,068 | 1,169 | 1,433 | 778 | — | −207 | −2,564 | 306 |
| Net Cash Flow | 1 | −1 | 1 | 1 | 99 | −100 | 117 | 60 | — | 1,233 | −1,168 | −79 |
| Free Cash Flow | 0 | 0 | −91 | −1,700 | −1,970 | −1,271 | −1,318 | −432 | — | 2,037 | 3,217 | 576 |
Ratios
| Particulars | Mar 2011 | Mar 2012 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3% | 3% | 28% | 10% | 19% | 22% | 20% | 18% | — | 1% | 0% | 10% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view JM Financial Credit Solutions insights
28 extracted metrics across FY11–FY27.
Documents
- 7 Sep 2026
- 28 Aug 2026
- 6 Feb 2026
- 31 Dec 2025
- 15 Sep 2025
Frequently Asked Questions about JM Financial Credit Solutions
What does JM Financial Credit Solutions Ltd do?
Where is JM Financial Credit Solutions Ltd (508815) listed?
Company Information
JM Financial Credit Solutions is engaged in the business of Non- Banking Financial Institution.
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