JMJ Fintech (BSE: JMJFIN) had a P/E of 3.2× on 6 Nov 2026, and the shares are 53% below their 52-week high. It earns ROE of 19%, and net profit grew 109% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; its dividend yield is 1.7%. It is a small-cap company with a market cap of ₹33 Cr, ranked 127th of 193 Credit Services companies by market cap; the shares fell 38% over the past year.
- ₹9.08
- ₹9.40
- ₹8.94
- ₹9.08
- 10.3K
Health check
- ReturnsBehind
−38.3% over a year, better than 0 of 7 peers.
- Price tagn/a
Price to book isn’t reported.
- GrowthStrong
Profit +109.1% a year over 3 years.
- ProfitabilityAverage
ROE 19.1% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags1 to check
53% below its 52-week high.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹33 Cr
- Small cap
- P/E
- 3.2
- Industry 15.5
- Price to book
- n/a
- Peers 2.62
- Dividend yield
- 1.68%
- ROE
- 19.1%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹2.83
- OPM (TTM)
- 51.9%
- Net margin 0.0%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +72.5%
- Latest quarter vs a year ago
- Price to sales
- 1.51
Strengths and risks
Strengths
- Return on equity of 19.1%.
- Quarterly profit up 72.5% on a year ago.
Risks to check
- 53% below its 52-week high.
About JMJ Fintech
JMJ Fintech Limited, a non-banking financial company, provides various financial services to corporate clients and high net worth individuals in India. It also finances SME sector; and acts as a consultant to the organizations for raising funds, including capital through IPO/PE/venture funds. In addition, the company acts as a management consultant relating to areas, such as mergers, amalgamation, acquisition, valuation, etc. Further, it invests and…
- Headquarters
- Coimbatore
- Sector
- Financial Services
- ISIN
- INE242Q01016
- Website
- jmjfintechltd.com
Price range
- Avg volume (3M)
- 30.6K
- 1-year return
- minus 38.3%
- From 52-week high
- minus 52.9%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| JMJFINJMJ Fintech | 8.94 | minus 1.54% | 33 | 3.2 | – | 19.1% | – | 109.1% | 1.68% | minus 38.3% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 5.1 | 6.3 | 5.1 | 5.3 | 5.4 | |
| 3.4 | 2.3 | 2.7 | 2.9 | 2.7 | |
| 1.7 | 4 | 2.4 | 2.4 | 2.7 | |
| 32.7% | 63.1% | 47.3% | 45.0% | 50.3% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | |
| – | – | – | −0 | – | |
| 1.6 | 3.9 | 2.4 | 2.3 | 2.6 | |
| 28.3% | 23.6% | 26.2% | 24.7% | 25.2% | |
| 1.1 | 3 | 1.7 | 1.7 | 2 | |
| 0.89 | 1.41 | 0.45 | 0.45 | 0.52 |
Profit & loss
- Profit CAGR 3Y
- +109.1%
- EPS CAGR 3Y
- +78.6%
- ROE
- 19.1%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 3.8 | 7.5 | 17.1 | 21.8 | |
| – | +97.0% | +129.7% | +27.5% | |
| 3.5 | 3.4 | 7.3 | 11.3 | |
| 0.2 | 4 | 9.9 | 10.6 | |
| 6.5% | 54.3% | 57.6% | 48.4% | |
| 0 | 0 | 0 | 0.2 | |
| 0 | – | 0.1 | 0 | |
| 0 | 0.2 | 0.2 | 0.3 | |
| 0.7 | −0 | −0.1 | −0.2 | |
| 1 | 3.9 | 9.5 | 10.2 | |
| 15.5% | 44.6% | 45.3% | 25.8% | |
| 0.8 | 2.1 | 5.2 | 7.6 | |
| – | +157.2% | +141.8% | +47.0% | |
| 0.32 | 0.89 | 3.62 | 1.83 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 12.4 | 12.4 | 12.8 | 37.3 | |
| 0.3 | 3.2 | 10.8 | 18.8 | |
| 3 | 10.4 | 21.5 | 32.3 | |
| 0.2 | 1.5 | 0.9 | 1.3 | |
| 15.8 | 27.4 | 46 | 89.6 | |
| 0.3 | 0.4 | 0.6 | 4.9 | |
| – | – | – | 0.1 | |
| – | 0.1 | – | 0.4 | |
| 1.6 | 0.1 | 1.9 | 11.9 | |
| 13.9 | 26.8 | 43.5 | 72.3 | |
| 15.8 | 27.4 | 46 | 89.6 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −2.6 | −8.4 | −7.8 | −17.9 | |
| −0.8 | −0.2 | −0.5 | −4.4 | |
| 3 | 7.4 | 10.1 | 32.4 | |
| −0.4 | −1.2 | 1.9 | 10 | |
| −0.3 | −0.4 | −0.5 | −4.4 | |
| −3 | −8.8 | −8.3 | −22.4 | |
| – | – | – | −0.5 |
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
Filings & events
News
No recent news coverage found.