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BearishNeutralBullish

Bullish

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4

Neutral

2

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8

Overall

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Bearish

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35

Neutral

2

Bullish

9

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31

Neutral

0

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1

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35

Neutral

2

Bullish

9

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Standalone Quarterly Results (in ₹ Crores)

Total Figures
QoQ Changes
Total Figures
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue1.482.143.073.693.753.596.115.086.315.20
Expenses0.520.650.930.871.111.712.202.731.571.94
Interest0.180.250.310.340.360.360.510.690.780.84
Financing Profit0.781.241.832.482.281.523.401.663.962.42
Financing Margin %52.7057.9459.6167.2160.8042.3455.6532.6862.7646.54
Other Income0.000.000.000.000.000.000.000.000.000.00
Depreciation0.000.000.180.040.050.070.070.060.070.07
Profit Before Tax0.781.251.642.442.231.463.331.603.892.35
Tax %41.0317.6071.9525.4125.1130.1480.1828.1323.6526.38
Net Profit0.461.030.461.821.671.020.661.142.971.74
EPS in Rs0.120.270.120.470.440.260.170.301.410.45
Gross NPA %0.000.000.000.000.000.000.000.000.000.00
Net NPA %0.000.000.000.000.000.000.000.000.000.00

Standalone Profit Loss (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue2.773.383.632.181.710.643.817.461719
Expenses2.533.403.782.661.780.583.482.575.887.75
Interest0.010.010.080.010.130.000.060.851.571.92
Financing Profit0.24-0.03-0.23-0.49-0.210.050.274.049.668.86
Financing Margin %8.65-0.79-6.27-22.61-12.048.227.0754.1356.4647.81
Other Income0.000.040.010.100.000.000.010.000.03NaN
Depreciation0.020.010.000.000.000.000.020.180.240.25
Profit Before Tax0.220.00-0.22-0.39-0.210.050.983.869.468.62
Tax %349.42-22.57-369.70644.81224.30220.5947.91
Net Profit0.160.03-0.22-0.39-0.260.050.832.145.174.49
EPS in Rs0.040.01-0.06-0.11-0.060.010.220.561.352.33
Dividend Payout %1,616.00

Standalone Balance Sheet (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital12121212121212121213
Reserves-0.140.020.05-0.17-0.56-0.82-0.770.263.1711
Borrowings0.000.000.001.152.160.710.002.991021
Other Liabilities0.600.130.040.040.030.090.170.161.523.36
Total Liabilities13131213141212162748
Fixed Assets0.030.010.000.000.000.000.030.350.580.85
CWIP0.000.000.000.000.000.000.000.000.000.00
Investments0.000.000.000.000.000.000.000.000.000.00
Other Assets13131213141212152747
Total Assets13131213141212162748

Standalone Cash Flows (in ₹ Crores)

Total Figures
YoY Changes
Total Figures
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity-0.660.071.07-2.33-0.131.562.27-2.63-8.36-9.33
Cash from Investing Activity0.000.000.020.00-1.000.00-0.03-0.79-0.19-0.52
Cash from Financing Activity-0.02-0.020.001.151.01-1.46-0.712.997.3712
Net Cash Flow-0.680.051.09-1.18-0.120.111.54-0.42-1.181.86

Shareholdings

Shareholding History

Quarterly
Yearly
Quarterly
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters23.56%23.56%23.56%23.56%23.56%23.56%23.56%22.86%14.50%14.50%23.27%23.27%
FIIs0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
DIIs0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Public76.44%76.44%76.44%76.44%76.44%76.44%76.44%77.14%85.50%85.50%76.73%76.73%
Total Shareholders3,9413,9234,4074,6244,8774,9765,7695,8075,6966,1247,7218,162

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Frequently Asked Questions about JMJ Fintech Ltd

JMJ Fintech Ltd (JMJFIN) is currently trading at 11.34 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

JMJ Fintech Limited is an RBI-registered non-banking financial company providing secured lending products including personal, term, corporate, business, gold and property loans, supported by a regional branch network operating across Kerala, Tamil Nadu, Karnataka, Puducherry and Maharashtra and servicing more than 24,000 customers with a 43-branch footprint. Financial momentum is material: Total income for FY26 (up to Q3) reached ₹1,658.75 lakhs versus ₹440.00 lakhs in FY24, while net profit expanded to ₹585.14 lakhs, driven by rising interest income and tightened expense controls, reflecting rapid scale-up of the core lending business and stronger bottom-line performance. Balance-sheet and capitalization improvements are evident: Net worth increased to ₹3,652.26 lakhs and reserves & surplus rose to ₹1,604.26 lakhs through Q3 FY26, while subordinated debts also increased to ₹2,896.30 lakhs, indicating management funded growth with a mix of equity and quasi-debt to support lending expansion and branch capex. Profitability metrics have strengthened noticeably: EBITDA of ₹1,034.75 lakhs (upto Q3 FY26), ROE improvement, EBITDA margins above 60% and reported sixfold EPS increase since FY23 highlight improved operational leverage and more efficient asset utilisation, which management cites as validation of the firm’s strategic execution and risk-aware lending model.

Over the past 52 weeks, JMJ Fintech Ltd has traded between a low of ₹10.72 and a high of ₹21.25. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

JMJ Fintech Ltd has a market capitalization of approximately 41.42. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

JMJ Fintech Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 4.87 and operates in the Finance sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 41.42 Cr, JMJ Fintech Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

JMJ Fintech Ltd operates in the Finance sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of JMJ Fintech Ltd is 4.87. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.