Jhaveri Credits & Capital Ltd

JHACC

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Market Cap

₹ 190 Cr

P/E

76.43

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Investment Checklist

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Performance

MARKET LEADER

Valuation

OVERVALUED

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Jhaveri Credits & Capital Ltd primarily engages in leasing, hire purchase, and commodity broking services based in Vadodara, India.

The company, since its establishment, has diversified into different financial products and has a significant presence in commodities broking, particularly on platforms like MCX and NCDEX.

Jhaveri Credits & Capital has undergone strategic changes by altering its holdings in subsidiaries like Jhaveri Hightech Agro Ltd and Maulik Kruti Resources Ltd.

Despite focusing on non-fund activities, the company remains interconnected with the Jhaveri Group, engaging in various financial market activities, including share broking and depository services.

Sector

Finance

Industry

Finance - Small

Market Cap

190 Cr

Volatility

Low Risk

P/E Ratio

76.4

Industry P/E

20.2

PEG Ratio

0.7

P/B Ratio

1.9

52W High

304.00

52W Low

145.90

Sales CAGR

-11.03%

37.05%

112.41%

10Y

33.37%

Profit CAGR

49.69%

107.01%

—

10Y

95.52%

ROE

TTM

2.46%

2.65%

2.39%

10Y

1.73%

ROCE

TTM

2.79%

3.54%

3.49%

10Y

2.76%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
KEYFINSERV	315.25	223 Cr	23.29	1.48	0.25	6.41	2.01	2.84
JHACC	213.70	190 Cr	76.43	1.89	0.00	2.46	2.79	2.25
AVAILFC	155.65	159 Cr	1.40	0.13	0.00	8.99	0.02	0.02
YASTF	156.75	157 Cr	522.50	14.93	0.00	2.86	3.46	1.17
MAHAPEXLTD	106.27	150 Cr	—	0.33	0.00	-0.05	0.52	1.64
WSFX	61.90	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	109.24	134 Cr	10.50	0.82	0.00	7.78	12.64	3.44

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	0.10	0.23	1.41	4.91	12	5.59	0.43	0.96	9.83	22
Expenses	0.08	0.07	0.04	3.73	12	4.96	0.42	3.03	8.02	21
Interest	0.00	0.00	0.00	0.03	0.02	0.00	0.00	0.00	0.00	0.00
Financing Profit	0.02	0.16	1.37	1.15	0.66	0.63	0.01	-2.07	1.81	1.42
Financing Margin %	20.00	69.57	97.16	23.42	5.39	11.27	2.33	-215.63	18.41	6.35
Other Income	0.00	0.20	0.05	-0.03	0.72	1.38	1.51	0.47	0.00	0.44
Depreciation	0.00	0.00	0.02	0.13	0.10	0.10	0.14	0.24	0.20	0.20
Profit Before Tax	0.02	0.36	1.41	0.98	1.28	1.91	1.39	-1.84	1.61	1.66
Tax %	-50.00	2.78	24.82	64.29	27.34	27.23	23.02	45.65	26.09	25.90
Net Profit	0.02	0.34	1.06	0.35	0.93	1.40	1.06	-1.00	1.19	1.23
EPS in Rs	0.03	0.36	1.11	0.37	0.99	1.47	1.12	-0.99	1.19	1.30
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 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.32	1.14	0.63	0.54	3.49	9.06	12	26	23	17
Expenses	1.43	1.08	1.20	0.80	3.63	9.05	11	24	20	16
Interest	0.07	0.05	0.04	0.00	0.00	0.20	0.24	0.03	0.02	0.00
Financing Profit	-0.18	0.01	-0.61	-0.27	-0.14	-0.20	0.64	2.50	3.34	0.38
Financing Margin %	-13.38	0.72	-97.16	-49.23	-3.91	-2.17	5.49	9.55	14.32	2.26
Other Income	0.28	0.21	0.16	0.03	0.13	0.53	0.18	0.22	0.01	NaN
Depreciation	0.02	0.01	0.01	0.01	0.00	0.00	0.00	0.13	0.59	0.68
Profit Before Tax	0.08	0.20	-0.46	-0.25	-0.01	0.33	0.82	2.59	2.76	3.07
Tax %	78.03	480.23	-6,059.14	-2,574.85	-1.29	538.77	2,424.26	264.20	795.96	13.68
Net Profit	-0.02	0.16	-0.47	-0.26	-0.39	0.27	0.79	1.61	2.41	2.65
EPS in Rs	-0.07	0.06	-0.49	-0.27	-0.42	0.36	0.87	1.87	2.58	2.62
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	6.46	6.46	6.46	6.46	6.46	6.46	6.46	6.46	8.99	8.99
Reserves	1.75	1.73	1.89	1.42	1.16	0.77	1.04	1.83	76	79
Borrowings	0.44	0.44	0.00	0.00	0.00	0.00	3.18	0.00	0.93	0.00
Other Liabilities	4.12	3.61	2.60	2.42	1.48	1.73	1.26	0.82	1.38	1.00
Total Liabilities	13	12	11	10	9.10	8.96	12	9.10	88	89
Fixed Assets	0.14	0.12	0.08	0.08	0.04	0.04	0.03	0.03	1.35	2.83
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.76	1.18	6.86	0.00	0.00	1.53
Other Assets	13	12	11	10	8.31	7.74	5.05	9.08	86	84
Total Assets	13	12	11	10	9.10	8.96	12	9.10	88	89

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5.85	1.87	-1.47	-0.29	-1.33	-0.87	4.92	1.96	-7.88	-6.88
Cash from Investing Activity	1.19	0.11	0.08	0.42	0.14	-0.41	-5.67	6.87	74	-4.56
Cash from Financing Activity	-0.06	-0.04	-0.46	-0.00	0.00	-0.26	0.92	-8.97	9.53	-27
Net Cash Flow	-4.72	1.95	-1.85	0.14	-1.18	-1.54	0.17	-0.14	76	-39

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	62.25%	62.25%	62.25%	74.25%	74.25%	53.00%	53.04%	53.03%	53.03%	53.19%	53.25%	50.45%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	3.51%	3.51%	3.51%	3.61%	4.40%	4.40%	4.17%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.78%	0.78%	0.78%	0.78%	0.00%	0.00%	0.00%
Public	37.75%	37.75%	37.75%	25.75%	25.75%	42.71%	42.66%	42.67%	42.58%	42.41%	42.35%	45.39%
Total Shareholders	2,137	2,184	2,145	2,195	2,397	2,956	3,163	3,413	4,249	4,345	4,245	4,180

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Dec 12, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	213.01	0.05 Cr	2,500	0.02
Dec 12, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	214.39	0.05 Cr	2,500	0.02
Dec 11, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	197.75	0.03 Cr	1,403	0.01
Dec 09, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	186.82	0.02 Cr	1,289	0.01
Dec 08, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	178.77	0.03 Cr	1,650	0.01
Dec 08, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	184.79	0.13 Cr	6,800	0.07
Mar 31, 2025	Vishnukumar vitthaldas patel huf	Insider - Promoter Group	Acquisition	166.72	0.09 Cr	5,411	—
Feb 24, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	199.58	0.14 Cr	6,924	0.07
Feb 19, 2025	Vishnukumar vitthaldas patel	Insider - Promoter & Director	Acquisition	195.91	0.03 Cr	1,750	0.01
Jun 19, 2024	Patel kamlaben vitthalbhai	Insider - Promoter Group	Acquisition	318.14	0.13 Cr	4,022	—

Projection

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Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

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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	0.10	0.23	1.41	4.91	12	5.59	0.43	0.96	9.83	22
Expenses	0.08	0.07	0.04	3.73	12	4.96	0.42	3.03	8.02	21
Interest	0.00	0.00	0.00	0.03	0.02	0.00	0.00	0.00	0.00	0.00
Financing Profit	0.02	0.16	1.37	1.15	0.66	0.63	0.01	-2.07	1.81	1.42
Financing Margin %	20.00	69.57	97.16	23.42	5.39	11.27	2.33	-215.63	18.41	6.35
Other Income	0.00	0.20	0.05	-0.03	0.72	1.38	1.51	0.47	0.00	0.44
Depreciation	0.00	0.00	0.02	0.13	0.10	0.10	0.14	0.24	0.20	0.20
Profit Before Tax	0.02	0.36	1.41	0.98	1.28	1.91	1.39	-1.84	1.61	1.66
Tax %	-50.00	2.78	24.82	64.29	27.34	27.23	23.02	45.65	26.09	25.90
Net Profit	0.02	0.34	1.06	0.35	0.93	1.40	1.06	-1.00	1.19	1.23
EPS in Rs	0.03	0.36	1.11	0.37	0.99	1.47	1.12	-0.99	1.19	1.30
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 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	1.32	1.14	0.63	0.54	3.49	9.06	12	26	23	17
Expenses	1.43	1.08	1.20	0.80	3.63	9.05	11	24	20	16
Interest	0.07	0.05	0.04	0.00	0.00	0.20	0.24	0.03	0.02	0.00
Financing Profit	-0.18	0.01	-0.61	-0.27	-0.14	-0.20	0.64	2.50	3.34	0.38
Financing Margin %	-13.38	0.72	-97.16	-49.23	-3.91	-2.17	5.49	9.55	14.32	2.26
Other Income	0.28	0.21	0.16	0.03	0.13	0.53	0.18	0.22	0.01	NaN
Depreciation	0.02	0.01	0.01	0.01	0.00	0.00	0.00	0.13	0.59	0.68
Profit Before Tax	0.08	0.20	-0.46	-0.25	-0.01	0.33	0.82	2.59	2.76	3.07
Tax %	78.03	480.23	-6,059.14	-2,574.85	-1.29	538.77	2,424.26	264.20	795.96	13.68
Net Profit	-0.02	0.16	-0.47	-0.26	-0.39	0.27	0.79	1.61	2.41	2.65
EPS in Rs	-0.07	0.06	-0.49	-0.27	-0.42	0.36	0.87	1.87	2.58	2.62
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	6.46	6.46	6.46	6.46	6.46	6.46	6.46	6.46	8.99	8.99
Reserves	1.75	1.73	1.89	1.42	1.16	0.77	1.04	1.83	76	79
Borrowings	0.44	0.44	0.00	0.00	0.00	0.00	3.18	0.00	0.93	0.00
Other Liabilities	4.12	3.61	2.60	2.42	1.48	1.73	1.26	0.82	1.38	1.00
Total Liabilities	13	12	11	10	9.10	8.96	12	9.10	88	89
Fixed Assets	0.14	0.12	0.08	0.08	0.04	0.04	0.03	0.03	1.35	2.83
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.76	1.18	6.86	0.00	0.00	1.53
Other Assets	13	12	11	10	8.31	7.74	5.05	9.08	86	84
Total Assets	13	12	11	10	9.10	8.96	12	9.10	88	89

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-5.85	1.87	-1.47	-0.29	-1.33	-0.87	4.92	1.96	-7.88	-6.88
Cash from Investing Activity	1.19	0.11	0.08	0.42	0.14	-0.41	-5.67	6.87	74	-4.56
Cash from Financing Activity	-0.06	-0.04	-0.46	-0.00	0.00	-0.26	0.92	-8.97	9.53	-27
Net Cash Flow	-4.72	1.95	-1.85	0.14	-1.18	-1.54	0.17	-0.14	76	-39

Oscillators

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
KEYFINSERV	315.25	223 Cr	23.29	1.48	0.25	6.41	2.01	2.84
JHACC	213.70	190 Cr	76.43	1.89	0.00	2.46	2.79	2.25
AVAILFC	155.65	159 Cr	1.40	0.13	0.00	8.99	0.02	0.02
YASTF	156.75	157 Cr	522.50	14.93	0.00	2.86	3.46	1.17
MAHAPEXLTD	106.27	150 Cr	—	0.33	0.00	-0.05	0.52	1.64
WSFX	61.90	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	109.24	134 Cr	10.50	0.82	0.00	7.78	12.64	3.44

Overview

Detailed Summary

Jhaveri Credits & Capital Ltd primarily engages in leasing, hire purchase, and commodity broking services based in Vadodara, India.

The company, since its establishment, has diversified into different financial products and has a significant presence in commodities broking, particularly on platforms like MCX and NCDEX.

Jhaveri Credits & Capital has undergone strategic changes by altering its holdings in subsidiaries like Jhaveri Hightech Agro Ltd and Maulik Kruti Resources Ltd.

Despite focusing on non-fund activities, the company remains interconnected with the Jhaveri Group, engaging in various financial market activities, including share broking and depository services.

Sector

Finance

Industry

Finance - Small

Market Cap

190 Cr

Volatility

Low Risk

P/E Ratio

76.4

Industry P/E

20.2

PEG Ratio

0.7

P/B Ratio

1.9

52W High

304.00

52W Low

145.90

Sales CAGR

-11.03%

37.05%

112.41%

10Y

33.37%

Profit CAGR

49.69%

107.01%

—

10Y

95.52%

ROE

TTM

2.46%

2.65%

2.39%

10Y

1.73%

ROCE

TTM

2.79%

3.54%

3.49%

10Y

2.76%