J A Finance
Close ·
- P/E
- 254.55
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures at the close · EPS basis: Standalone · TTM
- Debt to Equity
- 0.12
- EPS (TTM)
- ₹0.55
- Book Value
- ₹19.38
- Market Cap
- —
- P/E (TTM)
- 254.55
- P/B
- 7.22
- ROE
- 2.65%
- Dividend Yield
- 0.00%
- 52W High
- ₹169.00
- 52W Low
- ₹50.35
- 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
Data confidence 94/100
Category scores
- Quality
- 70
- Strong
- Returns, margins, earnings quality 22% weight
- Valuation
- 26
- Poor
- Cheap vs sector & own history 24% weight
- Growth
- 52
- Average
- Sales & profit trajectory 9% weight
- Financial Health
- 40
- Weak
- Solvency, leverage, coverage 9% weight
- Momentum
- 98
- Strong
- Trend strength, vol-adjusted 12% weight
- Ownership
- 50
- Average
- 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
1- Company has reduced debt.
Weaknesses
5- Stock is trading at 8.16 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 9.28% over past five years.
- Company has a low return on equity of 2.51% over last 3 years.
- Company's cost of borrowing seems high
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Bearish | 7 | 6 | 6 |
| Oscillators | Bearish | 2 | 6 | 1 |
| Moving Averages | Neutral | 5 | 0 | 5 |
Oscillators
Bearish
Overall
Bearish
Moving Averages
Neutral
Key readings
- RSI (14)
- 43.40
- Neutral
- MACD (12,26,9)
- −1.19
- Bearish
- SMA (50)
- 141.98
- Bearish
- SMA (200)
- 97.45
- Bullish
As of
Growth Rate
From the financial statements below. 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
| 5Y | +9.28% |
|---|---|
| 3Y | +8.57% |
| 1Y | +22.37% |
| TTM | +10.78% |
Net profit
| 5Y | Zero base |
|---|---|
| 3Y | +9.61% |
| 1Y | Turned to profit |
| TTM | Turned to profit |
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 2021 | ₹1.79 Cr |
|---|---|
| Mar 2022 | ₹3.17 Cr |
| Mar 2023 | ₹2.18 Cr |
| Mar 2024 | ₹3.06 Cr |
| Mar 2025 | ₹2.28 Cr |
| Mar 2026 | ₹2.79 Cr |
Net profit by year
| Mar 2021 | ₹0.00 Cr |
|---|---|
| Mar 2022 | ₹1.70 Cr |
| Mar 2023 | ₹0.41 Cr |
| Mar 2024 | ₹1.01 Cr |
| Mar 2025 | −₹0.04 Cr |
| Mar 2026 | ₹0.54 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 | 1 | 0.81 | 0.56 | 0.68 | 0.68 | 0.58 | 0.59 | 0.42 | 0.73 | 0.81 | 0.55 | 0.69 | 0.52 |
| Expenses | 0.34 | 0.12 | 0.21 | 0.18 | 0.21 | 0.2 | 0.2 | 0.23 | 0.24 | 0.19 | 0.36 | 0.17 | 0.16 |
| Financing Profit | 0.27 | 0.39 | 0.24 | 0.39 | 0.35 | 0.3 | 0.32 | 0.13 | 0.25 | 0.32 | −0.08 | 0.29 | 0.31 |
| Fin. Margin % | 27% | 48.15% | 42.86% | 57.35% | 51.47% | 51.72% | 54.24% | 30.95% | 34.25% | 39.51% | −14.55% | 42.03% | 59.62% |
| Other Income | 0 | 0 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0.39 | 0.3 | 0.11 | 0.11 | 0.12 | 0.08 | 0.07 | 0.06 | 0.24 | 0.3 | 0.27 | 0.23 | 0.05 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 0.27 | 0.39 | 0.24 | 0.39 | 0.36 | 0.3 | 0.32 | 0.13 | 0.25 | 0.32 | −0.08 | 0.29 | 0.31 |
| Tax % | 25.93% | 25.64% | 25% | 12.82% | 19.44% | 23.33% | 25% | 715.38% | 28% | 25% | −25% | 41.38% | 25.81% |
| Net Profit | 0.2 | 0.29 | 0.18 | 0.34 | 0.29 | 0.22 | 0.24 | −0.79 | 0.19 | 0.24 | −0.06 | 0.17 | 0.23 |
| EPS (₹) | 0.19 | 0.27 | 0.17 | 0.32 | 0.27 | 0.21 | 0.23 | −0.74 | 0.18 | 0.23 | −0.06 | 0.16 | 0.22 |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | 3.01% | 4.54% | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | 2.43% | 3.67% | — |
Profit & Loss
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 1.79 | 3.17 | 2.18 | 3.06 | 2.28 | 2.79 | 2.57 |
| Expenses | 0.69 | 0.81 | 0.92 | 0.85 | 0.84 | 0.95 | 0.88 |
| Financing Profit | 0.8 | 1.92 | 0.62 | 1.29 | 1.11 | 0.79 | 0.84 |
| Fin. Margin % | 44.69% | 60.57% | 28.44% | 42.16% | 48.68% | 28.32% | 32.68% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0.3 | 0.44 | 0.64 | 0.92 | 0.33 | 1.05 | 0.85 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 0.8 | 1.92 | 0.62 | 1.29 | 1.11 | 0.79 | 0.84 |
| Tax % | 100% | 11.98% | 35.48% | 20.93% | 103.6% | 31.65% | — |
| Net Profit | 0 | 1.7 | 0.41 | 1.01 | −0.04 | 0.54 | 0.58 |
| EPS (₹) | — | 1.6 | 0.39 | 0.95 | −0.04 | 0.51 | 0.55 |
| Div. Payout % | — | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 3.99 | 10.65 | 10.65 | 10.65 | 10.65 | 10.65 |
| Reserves | 13.67 | 7.92 | 8.25 | 9.25 | 9.4 | 9.99 |
| Borrowing | 4.17 | 4.71 | 8.13 | 7.09 | 3.96 | 2.56 |
| Other Liabilities | 0.46 | 0.24 | 0.19 | 0.19 | 0.17 | 0.15 |
| Total Liabilities | 22.29 | 23.52 | 27.22 | 27.18 | 24.18 | 23.35 |
| Fixed Assets | 0 | 0.01 | 0 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2.08 | 2.37 | 2.6 | 3.17 | 0.9 | 0.94 |
| Other Assets | 20.21 | 21.14 | 24.62 | 24.01 | 23.28 | 22.41 |
| Total Assets | 22.29 | 23.52 | 27.22 | 27.18 | 24.18 | 23.35 |
Cash Flow
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | — | 0.15 | −1.61 | 3.77 | −1.11 | 2.6 |
| Investing | — | −0.13 | −0.55 | −0.4 | 2.53 | 0 |
| Financing | — | −0.01 | 2.77 | −1.95 | −3.45 | −2.45 |
| Net Cash Flow | — | 0.01 | 0.61 | 1.42 | −2.03 | 0.15 |
| Free Cash Flow | — | 0.14 | −1.61 | 3.77 | −1.11 | 2.6 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 0% | 4.36% | 2.19% | 5.21% | −0.25% | 2.65% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view J A Finance insights
50 extracted metrics across FY21–FY27.
Documents
- 26 May 2026
- 12 Nov 2025
- 11 Aug 2025
- General announcements 13 Oct 2026
Frequently Asked Questions about J A Finance
What does J A Finance Ltd do?
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Company Information
Incorporated in 1993, J. A. Finance Ltd is in the business of financing and investing
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