J A Finance logo

J A Finance

JAFINANCELTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹147 Cr
Volatility
High Risk
P/E Ratio
240
EBITDA
₹1.80 Cr
Return on Equity
2.62%
Debt to Equity
0.16
Book Value
₹19.38
EPS
₹1.03
52W High
₹143.99
52W Low
₹50.35

Tapetide Score

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

Key Insights

Strengths

1
  • Company has reduced debt.

Weaknesses

5
  • Stock is trading at 6.94 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

Growth Rate

Revenue Growth
21.74% higher than 3Y
Net Income Growth
514% higher than 3Y
Cash Flow Change
334% higher than 3Y
ROE
—
ROCE
33% higher than 3Y
EBITDA Margin (Avg.)
5.28% higher than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 in Rs
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%
—
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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 in Rs
—
1.6
0.39
0.95
-0.04
0.51
0.55
Div. Payout %
—
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
CFO/OP
—
15
-110
181
4
155
Figures in ₹ Crores

Ratios

Particulars Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0%
4.36%
2.19%
5.21%
-0.25%
2.65%

Insights

Beta

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

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Shareholding Pattern

Promot.59.90%Others9.46%Public30.64%As ofJun 2026

Documents

Frequently Asked Questions about J A Finance

What does J A Finance Ltd do?
Incorporated in 1993, J. A. Finance Ltd is in the business of financing and investing[1]
Where is J A Finance Ltd (543860) listed?
J A Finance Ltd trades as JAFINANCELTD on the NSE and under code 543860 on the BSE.
Which sector does J A Finance Ltd belong to?
J A Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of J A Finance Ltd?
J A Finance Ltd has a market capitalisation of ₹146.88 Cr, which places it in the Small Cap band.
What is the PE ratio of J A Finance Ltd?
J A Finance Ltd trades at a PE ratio of 240.00, on earnings per share of ₹1.03, against a book value of ₹19.38 per share.
What is the 52-week high and low of J A Finance Ltd?
Over the last 52 weeks J A Finance Ltd has traded between ₹50.35 and ₹143.99.
What is the Return on Equity (ROE) of J A Finance Ltd?
J A Finance Ltd reported a return on equity of 2.62%. Its debt-to-equity ratio is 0.16.

Company Information

Incorporated in 1993, J. A. Finance Ltd is in the business of financing and investing[1]

Website jafinance.co.in
Listed 2023-04-10
Face Value ₹ 10

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