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JMJ Fintech

538834 BSE
₹8.88

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P/E
3.96
View as Markdown
MCP
Close 4 Nov 2026 ₹8.88 −6.36 −41.7% 1Y
Start ₹15.24

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures at the close · EPS basis: Standalone · TTM

Debt to Equity
0.58
EPS (TTM)
₹2.24
Book Value
₹15.42
Market Cap
—
P/E (TTM)
3.96
P/B
0.58
ROE
19.10%
Dividend Yield
1.65%
52W High
₹18.99
52W Low
₹7.90
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

56 Good

Data confidence 94/100

Category scores

Quality
56
Good
Returns, margins, earnings quality 22% weight
Valuation
69
Strong
Cheap vs sector & own history 24% weight
Growth
57
Good
Sales & profit trajectory 9% weight
Financial Health
52
Average
Solvency, leverage, coverage 9% weight
Momentum
32
Poor
Trend strength, vol-adjusted 12% weight
Ownership
58
Good
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.61 times its book value
  • Company has delivered good profit growth of 99.0% CAGR over last 5 years

Weaknesses

1
  • Promoter holding is low: 23.3%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1261
OscillatorsBearish261
Moving AveragesStrong Bearish1000

Key readings

RSI (14)
41.74
Neutral
MACD (12,26,9)
−0.12
Bearish
SMA (50)
9.38
Bearish
SMA (200)
10.51
Bearish

As of

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

Revenue growth by window
10Y+26.66%
5Y+66.67%
3Y+79.22%
1Y+28.22%
TTM+19.48%

Net profit

Net profit growth by window
10YTurned to profit
5YTurned to profit
3Y+109.21%
1Y+47.00%
TTM+87.75%

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

Revenue by year, ₹ crore
Mar 2017₹2.77 Cr
Mar 2018₹3.41 Cr
Mar 2019₹3.64 Cr
Mar 2020₹2.28 Cr
Mar 2021₹1.71 Cr
Mar 2022₹0.64 Cr
Mar 2023₹3.82 Cr
Mar 2024₹7.46 Cr
Mar 2025₹17.15 Cr
Mar 2026₹21.99 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹0.16 Cr
Mar 2018₹0.03 Cr
Mar 2019−₹0.22 Cr
Mar 2020−₹0.39 Cr
Mar 2021−₹0.26 Cr
Mar 2022₹0.05 Cr
Mar 2023₹0.83 Cr
Mar 2024₹2.14 Cr
Mar 2025₹5.17 Cr
Mar 2026₹7.60 Cr

Quarterly Results

₹ Cr
538834 quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.78
1.48
2.14
3.07
3.69
3.75
3.6
6.11
5.07
6.32
5.13
5.34
5.35
Expenses
0.47
0.52
0.64
0.94
0.87
1.11
1.71
2.2
2.73
1.58
1.94
2.09
1.71
Financing Profit
0.19
0.78
1.25
1.82
2.48
2.28
1.53
3.4
1.65
3.96
2.35
2.33
2.68
Fin. Margin %
24.36%
52.7%
58.41%
59.28%
67.21%
60.8%
42.5%
55.65%
32.54%
62.66%
45.81%
43.63%
50.09%
Other Income
0
0
0
0
0
0
0
0
0.01
0
0.07
0.06
0.01
Interest
0.12
0.18
0.25
0.31
0.34
0.36
0.36
0.51
0.69
0.78
0.84
0.92
0.96
Depreciation
0
0
0
0.18
0.04
0.05
0.07
0.07
0.06
0.07
0.07
0.07
0.06
PBT
0.19
0.78
1.25
1.64
2.44
2.23
1.46
3.33
1.6
3.89
2.35
2.32
2.63
Tax %
0%
41.03%
17.6%
72.56%
25.41%
25.11%
30.14%
80.18%
28.12%
23.65%
26.38%
24.57%
25.1%
Net Profit
0.19
0.46
1.03
0.46
1.82
1.67
1.02
0.66
1.14
2.97
1.74
1.75
1.97
EPS (₹)
0.05
0.12
0.28
0.12
0.49
0.45
0.27
0.17
0.3
0.77
0.45
0.48
0.54

Profit & Loss

₹ Cr
538834 profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4.5
2.07
2.77
3.41
3.64
2.28
1.71
0.64
3.82
7.46
17.15
21.99
22.14
Expenses
4.33
2.73
2.52
3.4
3.78
2.66
1.79
0.59
3.49
2.57
5.88
8.24
7.32
Financing Profit
0.17
−0.66
0.24
0
−0.22
−0.39
−0.21
0.05
0.27
4.04
9.69
10.51
11.32
Fin. Margin %
3.78%
−31.88%
8.66%
0%
−6.04%
−17.11%
−12.28%
7.81%
7.07%
54.16%
56.5%
47.79%
51.13%
Other Income
0
0
0
0.01
0
0
0
0
0.73
0
0
0
0.14
Interest
0
0
0.01
0.01
0.08
0.01
0.13
0
0.06
0.85
1.58
3.24
3.5
Depreciation
0.03
0.02
0.02
0.01
0
0
0
0
0.02
0.18
0.24
0.28
0.27
PBT
0.14
−0.68
0.22
0
−0.22
−0.39
−0.21
0.05
0.98
3.86
9.45
10.23
11.19
Tax %
57.14%
0%
31.82%
—
0%
0%
28.57%
0%
16.33%
44.56%
45.4%
25.81%
—
Net Profit
0.07
−0.68
0.16
0.03
−0.22
−0.39
−0.26
0.05
0.83
2.14
5.17
7.6
8.43
EPS (₹)
0.02
−0.18
0.04
0.01
−0.06
−0.1
−0.07
0.01
0.22
0.58
1.35
2.07
2.24
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
6.19%
7.36%
—

Balance Sheet

₹ Cr
538834 balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
12.4
12.4
12.4
12.4
12.4
12.4
12.4
12.4
12.4
12.4
12.8
37.27
Reserves
0.54
−0.14
0.02
0.05
−0.17
−0.56
−0.82
−0.77
0.26
3.17
10.83
18.76
Borrowing
0
0
0
0
1.15
2.16
0.71
0
2.99
10.36
21.49
32.27
Other Liabilities
0.06
0.6
0.13
0.04
0.04
0.03
0.09
0.17
0.16
1.51
0.89
1.28
Total Liabilities
13
12.86
12.55
12.49
13.42
14.03
12.38
11.8
15.81
27.44
46.01
89.58
Fixed Assets
0.05
0.03
0.01
0
0
0
0
0.03
0.35
0.58
0.85
5
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
0
0
0
0
0
0
0
0
0
0
0
0
Other Assets
12.95
12.83
12.54
12.49
13.42
14.03
12.38
11.77
15.46
26.86
45.16
84.58
Total Assets
13
12.86
12.55
12.49
13.42
14.03
12.38
11.8
15.81
27.44
46.01
89.58

Cash Flow

₹ Cr
538834 cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0.91
−0.66
0.07
1.07
−2.33
−0.13
1.56
2.27
−2.63
−8.36
−7.76
−17.94
Investing
0
0
0
0.02
0
−1
0
−0.03
−0.79
−0.19
−0.52
−4.43
Financing
−0.07
−0.02
−0.02
0
1.15
1.01
−1.46
−0.71
2.99
7.37
10.14
32.36
Net Cash Flow
0.84
−0.68
0.05
1.09
−1.18
−0.12
0.11
1.54
−0.42
−1.18
1.86
10
Free Cash Flow
0.91
−0.66
0.07
1.09
−2.33
−1.13
1.56
2.24
−2.97
−8.77
−8.28
−22.37
CFO/OP
535
100
28
10,800
1,664
34
−1,950
4,540
−797
−171
−53
−111

Ratios

538834 financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0.54%
−5.4%
1.3%
0.24%
−1.78%
−3.24%
−2.22%
0.43%
0.91%
15.16%
26.38%
19.08%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view JMJ Fintech insights

46 extracted metrics across FY11–FY27.

Shareholding Pattern

As of Sep 2026

  • Public 65.99%
  • Promoters 24.18%
  • Others 9.83%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Documents

  • Concall · Aug 2026
    PPT
  • Q3 FY26 concall · Feb 2026
    PPT
  • Q2 FY26 concall · Nov 2025
    PPT
  • Q4 FY25 concall · May 2025
    PPT

Frequently Asked Questions about JMJ Fintech

What does JMJ Fintech Ltd do?
Incorporated in 1982, JMJ Fintech Ltd is in the business of providing loans and investments
Where is JMJ Fintech Ltd (JMJFIN) listed?
JMJ Fintech Ltd trades under code 538834 on the BSE.
Which sector does JMJ Fintech Ltd belong to?
JMJ Fintech Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of JMJ Fintech Ltd?
JMJ Fintech Ltd trades at a PE ratio of 3.96 as of 4 Nov 2026, on earnings per share of ₹2.24, against a book value of ₹15.42 per share.
What is the 52-week high and low of JMJ Fintech Ltd?
Over the last 52 weeks JMJ Fintech Ltd has traded between ₹7.9 and ₹18.99 as of 4 Nov 2026.
Does JMJ Fintech Ltd pay dividends?
JMJ Fintech Ltd has a dividend yield of 1.65%.
What is the Return on Equity (ROE) of JMJ Fintech Ltd?
JMJ Fintech Ltd reported a return on equity of 19.10%. Its debt-to-equity ratio is 0.58.

Company Information

Incorporated in 1982, JMJ Fintech Ltd is in the business of providing loans and investments

Website jmjfintechltd.com
Face Value ₹10

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