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J.A. Finance (BSE: JAFINANCE) had a P/E of 254.9× on 6 Nov 2026, and the shares are 16% below their 52-week high. Net profit grew 10% a year over 3 years; its ROE of 2.7% is the lowest among the 7 largest Credit Services peers. It is a small-cap company with a market cap of ₹152 Cr, ranked 77th of 193 Credit Services companies by market cap; the shares rose 112% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Jun 2026.How we calculate this

past year
Open
₹139.50
Day high
₹146.00
Day low
₹133.00
Prev. close
₹139.50
Volume
502

Health check

1 good · 3 to check
  • ReturnsAhead

    +111.9% over a year, better than 7 of 7 peers.

  • Price tagn/a

    Price to book isn’t reported.

  • GrowthSlow

    Profit +10.1% a year over 3 years.

  • ProfitabilityWeak

    ROE 2.7% vs peer median 18.7%.

  • Balance sheetn/a

    Asset quality (bad loans) isn’t in our data.

  • Red flags1 to check

    Return on equity is low at 2.7%.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹152 Cr, #77 of 193 in its industry by size.

Market sensitivity

Measuring against the NIFTY 50…

Key metrics

Last 12 months to Jun 2026: sales ₹3 Cr · profit ₹1 Cr
Market cap
₹152 Cr
Small cap
P/E
254.9
Industry 15.5
Price to book
n/a
Peers 2.62
Dividend yield
0.00%
ROE
2.7%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹0.56
OPM (TTM)
33.0%
Net margin 0.0%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+25.3%
Latest quarter vs a year ago
Price to sales
54.54

Strengths and risks

Strengths

  • Quarterly profit up 25.3% on a year ago.

Risks to check

  • Return on equity is low at 2.7%.

Derived automatically from reported figures. Not a recommendation.

About J.A. Finance

J.A. Finance Limited engages in the financing business in India. It is also involved in the investing activities, including share and derivative trading/transactions. The company was incorporated in 1993 and is headquartered in Kolkata, India.

Headquarters
Kolkata
Sector
Financial Services
ISIN
INE825B01010
Website
jafinance.co.in

Price range

52 weeks

₹50.35₹169.00

Today

₹133.00₹146.00
Avg volume (3M)
1.1K
1-year return
plus 111.9%
From 52-week high
minus 15.5%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
JAFINANCEJ.A. Finance142.75plus 2.33%152254.9–2.7%–10.1%0.00%plus 111.9%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Sep 25Dec 25Mar 26Jun 26
0.70.80.50.70.5
0.50.50.60.40.2
0.30.3−0.10.30.3
34.4%39.9%−14.2%42.3%59.9%
0−000−0
00000
0.30.3−0.10.30.3
26.3%24.8%25.2%42.0%25.2%
0.20.2−0.10.20.2
0.170.23-0.050.160.22

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+10.1%
EPS CAGR 3Y
+10.2%
ROE
2.7%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
2.42.92.32.8
–+20.5%minus 21.8%+22.7%
1.81.61.22
0.61.31.10.8
25.9%44.3%48.2%28.4%
−000−0
––00
0000
––0–
0.61.31.10.8
34.9%21.2%104.1%31.6%
0.41−00.5
–+149.6%minus 104.4%–
0.380.95-0.040.51

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
10.610.610.610.6
8.29.39.410
8.17.142.6
0.20.20.20.2
27.227.224.223.3
0000
2.61.30.90.9
0.63.900.2
242223.322.3
27.227.224.223.3

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2022Mar 2023Mar 2024Mar 2025Mar 2026
–−1.63.8−1.12.6
–−0.6−0.42.5–
–2.8−2−3.5−2.5
–0.61.4−20.1
−0––––
–−1.63.8−1.12.6
−0.1––––

Shareholding pattern

This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.

Major shareholders

BSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you