J A Finance Ltd

JAFINANCE

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Market Cap

₹ 62 Cr

P/E

—

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bearish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

J. A. Finance Ltd. is a Non-Banking Financial Company (NBFC) engaged in financing and investment in securities, providing a range of financial services since 1993.

The company mainly caters to Corporate, Mid Corporate, and SMEs, partnering with leading banks and financial institutions to deliver diverse financial products.

Their business strategy emphasizes Investment Banking, Corporate Advisory, and Debt Syndication Services, targeting growth among various customer segments.

They have a stronghold in the financial sector with a focus on share and derivative trading.

The company has a long-standing association with major Indian banks and financial institutions, strengthening its industry position.

Sector

Finance

Industry

NBFC-Others

Market Cap

62 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

3.0

52W High

178.55

52W Low

39.72

Sales CAGR

-25.49%

1.93%

—

10Y

—

Profit CAGR

-103.96%

—

10Y

—

ROE

TTM

-0.63%

2.34%

3.23%

10Y

—

ROCE

TTM

4.91%

6.25%

6.91%

10Y

—

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
COMFINCAP	7.40	64 Cr	10.24	0.68	1.24	6.59	8.50	5.48
JAFINANCE	58.26	62 Cr	—	3.03	0.00	-0.63	4.91	-0.34
LADDERUP	58.20	62 Cr	45.47	0.80	0.00	1.75	5.73	2.93
CEEJAY	177.95	61 Cr	9.22	0.77	0.67	8.36	10.64	5.29
MTPL	43.00	61 Cr	107.50	1.80	0.00	4.37	9.28	1.50
GOWRALE	108.00	59 Cr	10.14	1.64	0.00	16.17	16.12	9.13
GDLLEAS	116.80	59 Cr	66.36	8.60	0.00	12.97	14.00	10.76

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	1.00	0.81	0.56	0.68	0.68	0.58	0.59	0.42	0.73	0.81
Expenses	0.34	0.13	0.21	0.19	0.21	0.20	0.20	0.23	0.24	0.19
Interest	0.39	0.30	0.11	0.11	0.12	0.08	0.07	0.06	0.24	0.30
Financing Profit	0.27	0.38	0.24	0.38	0.35	0.30	0.32	0.13	0.25	0.32
Financing Margin %	27.00	46.91	42.86	55.88	51.47	51.72	54.24	30.95	34.25	39.51
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.27	0.39	0.24	0.39	0.35	0.30	0.32	0.13	0.25	0.32
Tax %	25.93	25.64	25.00	12.82	20.00	23.33	25.00	715.38	28.00	25.00
Net Profit	0.20	0.29	0.18	0.34	0.29	0.22	0.24	-0.79	0.19	0.24
EPS in Rs	0.19	0.27	0.17	0.32	0.27	0.21	0.22	-0.75	0.17	0.23
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.79	2.14	2.18	3.06	2.27	2.32
Expenses	0.70	0.81	0.91	0.86	0.85	0.87
Interest	0.30	0.44	0.64	0.92	0.33	0.45
Financing Profit	0.80	0.89	0.62	1.28	1.10	1.00
Financing Margin %	44.48	41.68	28.63	41.94	48.38	43.10
Other Income	0.00	0.00	0.00	0.00	0.01	NaN
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.80	1.92	0.62	1.28	1.11	1.00
Tax %	99.72	851.17	286.78	471.00	96.40	114.00
Net Profit	-0.00	1.70	0.41	1.01	-0.04	-0.14
EPS in Rs	—	3.33	0.37	0.95	-0.05	-0.13
Dividend Payout %	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.99	11	11	11	11
Reserves	14	7.92	8.25	9.25	9.40
Borrowings	4.17	4.71	8.13	7.09	3.96
Other Liabilities	0.46	0.24	0.20	0.19	0.17
Total Liabilities	22	24	27	27	24
Fixed Assets	0.00	0.01	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00
Investments	2.08	2.37	2.60	3.17	0.90
Other Assets	20	21	25	24	23
Total Assets	22	24	27	27	24

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.74	0.15	-1.61	3.77	-1.11
Cash from Investing Activity	-0.05	-0.13	-0.55	-0.40	2.53
Cash from Financing Activity	0.78	-0.01	2.77	-1.95	-3.45
Net Cash Flow	-0.00	0.01	0.61	1.42	-2.03

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	59.90%	59.90%	59.90%	59.90%	59.91%	59.91%	59.90%	59.90%	59.90%	59.90%	59.90%	59.90%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	40.10%	40.10%	40.10%	40.10%	40.09%	40.09%	40.10%	40.10%	40.10%	40.10%	40.10%	40.10%
Total Shareholders	512	511	572	603	671	782	844	1,043	1,015	952	899	926

Projection

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Presentations

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Reports

Presentations

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Bearish

Neutral

Bullish

Overall

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Moving Averages

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	1.00	0.81	0.56	0.68	0.68	0.58	0.59	0.42	0.73	0.81
Expenses	0.34	0.13	0.21	0.19	0.21	0.20	0.20	0.23	0.24	0.19
Interest	0.39	0.30	0.11	0.11	0.12	0.08	0.07	0.06	0.24	0.30
Financing Profit	0.27	0.38	0.24	0.38	0.35	0.30	0.32	0.13	0.25	0.32
Financing Margin %	27.00	46.91	42.86	55.88	51.47	51.72	54.24	30.95	34.25	39.51
Other Income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.27	0.39	0.24	0.39	0.35	0.30	0.32	0.13	0.25	0.32
Tax %	25.93	25.64	25.00	12.82	20.00	23.33	25.00	715.38	28.00	25.00
Net Profit	0.20	0.29	0.18	0.34	0.29	0.22	0.24	-0.79	0.19	0.24
EPS in Rs	0.19	0.27	0.17	0.32	0.27	0.21	0.22	-0.75	0.17	0.23
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.79	2.14	2.18	3.06	2.27	2.32
Expenses	0.70	0.81	0.91	0.86	0.85	0.87
Interest	0.30	0.44	0.64	0.92	0.33	0.45
Financing Profit	0.80	0.89	0.62	1.28	1.10	1.00
Financing Margin %	44.48	41.68	28.63	41.94	48.38	43.10
Other Income	0.00	0.00	0.00	0.00	0.01	NaN
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.80	1.92	0.62	1.28	1.11	1.00
Tax %	99.72	851.17	286.78	471.00	96.40	114.00
Net Profit	-0.00	1.70	0.41	1.01	-0.04	-0.14
EPS in Rs	—	3.33	0.37	0.95	-0.05	-0.13
Dividend Payout %	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.99	11	11	11	11
Reserves	14	7.92	8.25	9.25	9.40
Borrowings	4.17	4.71	8.13	7.09	3.96
Other Liabilities	0.46	0.24	0.20	0.19	0.17
Total Liabilities	22	24	27	27	24
Fixed Assets	0.00	0.01	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00
Investments	2.08	2.37	2.60	3.17	0.90
Other Assets	20	21	25	24	23
Total Assets	22	24	27	27	24

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-0.74	0.15	-1.61	3.77	-1.11
Cash from Investing Activity	-0.05	-0.13	-0.55	-0.40	2.53
Cash from Financing Activity	0.78	-0.01	2.77	-1.95	-3.45
Net Cash Flow	-0.00	0.01	0.61	1.42	-2.03

Overview

Detailed Summary

J. A. Finance Ltd. is a Non-Banking Financial Company (NBFC) engaged in financing and investment in securities, providing a range of financial services since 1993.

The company mainly caters to Corporate, Mid Corporate, and SMEs, partnering with leading banks and financial institutions to deliver diverse financial products.

Their business strategy emphasizes Investment Banking, Corporate Advisory, and Debt Syndication Services, targeting growth among various customer segments.

They have a stronghold in the financial sector with a focus on share and derivative trading.

The company has a long-standing association with major Indian banks and financial institutions, strengthening its industry position.

Sector

Finance

Industry

NBFC-Others

Market Cap

62 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

3.0

52W High

178.55

52W Low

39.72

Sales CAGR

-25.49%

1.93%

—

10Y

—

Profit CAGR

-103.96%

—

10Y

—

ROE

TTM

-0.63%

2.34%

3.23%

10Y

—

ROCE

TTM

4.91%

6.25%

6.91%

10Y

—

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
COMFINCAP	7.40	64 Cr	10.24	0.68	1.24	6.59	8.50	5.48
JAFINANCE	58.26	62 Cr	—	3.03	0.00	-0.63	4.91	-0.34
LADDERUP	58.20	62 Cr	45.47	0.80	0.00	1.75	5.73	2.93
CEEJAY	177.95	61 Cr	9.22	0.77	0.67	8.36	10.64	5.29
MTPL	43.00	61 Cr	107.50	1.80	0.00	4.37	9.28	1.50
GOWRALE	108.00	59 Cr	10.14	1.64	0.00	16.17	16.12	9.13
GDLLEAS	116.80	59 Cr	66.36	8.60	0.00	12.97	14.00	10.76

J A Finance Ltd

J A Finance Ltd

JAFINANCE

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Overview

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Industry P/E

PEG Ratio

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Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Shareholdings

Shareholding History

Projection

Actions

Announcements

Documents

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Technicals

Oscillators

Bullish

Overall

Bearish

Moving Averages

Bearish

Overall

Bearish

Shareholdings

Shareholding History

Financial Statements

AI Powered Summary

AI Mode

Standalone Quarterly Results (in ₹ Crores)

Standalone Profit Loss (in ₹ Crores)

Standalone Balance Sheet (in ₹ Crores)

Standalone Cash Flows (in ₹ Crores)

Documents

Projection

Overview

Sector

Industry

Market Cap

Volatility

P/E Ratio

Industry P/E

PEG Ratio

P/B Ratio

52W High

52W Low

J A Finance Ltd

JAFINANCE

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