Jm Financial Ltd
JMFINANCIL
Finance
₹ 126.30
Price
₹ 12,071
Market Cap
Mid Cap
15.60
P/E Ratio
📊 Score Snapshot
8.11 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
45.11 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 61.75 | 32.29 | -23.97 | -31.21 | 9.17 | 34.82 | 9.45 | -43.39 |
| Adj Cash PAT | 5,855 | 2,707 | -2,174 | -2,759 | 1,092 | 3,161 | 1,059 | -3,453 |
| Adj Cash PAT To PAT | 7.56 | -62.54 | -3.07 | -2.78 | 1.35 | 4.06 | 1.27 | -4.40 |
| Adj Cash PE | 1.57 | 2.82 | - | - | 9.31 | 1.79 | 9.48 | - |
| Adj EPS | 8.59 | 3.51 | 6.26 | 8.10 | 6.19 | 6.48 | 6.81 | 7.17 |
| Adj Number Of Shares | 95.58 | 95.57 | 95.37 | 95.43 | 95.32 | 84.10 | 83.99 | 83.82 |
| Adj PE | 11.90 | - | 9.52 | 8.43 | 13.79 | 9.61 | 13.16 | 19.43 |
| Adj Peg | 0.08 | - | - | 0.27 | - | - | - | 0.92 |
| Bvps | 107.04 | 115.70 | 118.17 | 111.34 | 101.51 | 96.73 | 92.46 | 77.23 |
| Cash Conversion Cycle | 54.00 | 43.00 | 135.00 | 49.00 | 58.00 | 34.00 | 72.00 | 102.00 |
| Cash Revenue | 4,299 | 5,431 | 2,555 | 3,721 | 3,022 | 3,797 | 3,661 | 3,476 |
| Cash Revenue To Revenue | 0.98 | 1.13 | 0.78 | 1.00 | 0.94 | 1.10 | 1.05 | 1.14 |
| Dso | 54.00 | 43.00 | 135.00 | 49.00 | 58.00 | 34.00 | 72.00 | 102.00 |
| Dividend Yield | 2.76 | 2.49 | 3.05 | 2.37 | 0.58 | 0.31 | 1.14 | 1.29 |
| Fcfe | 5,887 | 2,897 | 123.00 | -1,392 | 1,700 | 957.00 | 70.00 | -3,448 |
| Fcfe Margin | 136.94 | 53.34 | 4.81 | -37.41 | 56.25 | 25.20 | 1.91 | -99.19 |
| Fcfe To Adj PAT | 7.61 | -66.93 | 0.17 | -1.40 | 2.10 | 1.23 | 0.08 | -4.39 |
| Market Cap | 9,210 | 7,739 | 5,682 | 6,513 | 8,136 | 5,239 | 7,530 | 11,676 |
| PB | 0.90 | 0.70 | 0.50 | 0.61 | 0.84 | 0.64 | 0.97 | 1.80 |
| PE | 11.22 | 18.88 | 9.52 | 8.43 | 13.79 | 9.61 | 13.16 | 19.43 |
| Peg | 0.11 | - | - | 0.27 | - | - | - | 0.92 |
| PS | 2.10 | 1.62 | 1.73 | 1.75 | 2.53 | 1.52 | 2.16 | 3.81 |
| ROE | 7.27 | -0.39 | 6.48 | 9.77 | 9.07 | 9.79 | 11.76 | 14.40 |
| Share Price | 96.36 | 80.98 | 59.58 | 68.25 | 85.35 | 62.30 | 89.65 | 139.30 |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,004 | 1,106 | 1,191 | 1,077 | 1,261 | 1,236 | 1,197 | 1,067 | 846.00 | 928.00 | 859.00 | 791.00 | 810.00 | 952.00 |
| Interest | 274.00 | 318.00 | 343.00 | 370.00 | 407.00 | 400.00 | 388.00 | 366.00 | 347.00 | 301.00 | 270.00 | 261.00 | 250.00 | 283.00 |
| Expenses - | 426.00 | 500.00 | 700.00 | 462.00 | 580.00 | 430.00 | 535.00 | 473.00 | 459.00 | 313.00 | 279.00 | 276.00 | 258.00 | 323.00 |
| Other Income - | - | 14.40 | 20.70 | 16.82 | 15.42 | 24.97 | 16.58 | 14.47 | 25.56 | 18.56 | 17.84 | 14.47 | 29.58 | 12.55 |
| Exceptional Items | - | - | - | - | -846.86 | - | - | - | - | - | - | - | - | - |
| Depreciation | 16.00 | 16.00 | 15.00 | 16.00 | 14.00 | 14.00 | 13.00 | 12.00 | 12.00 | 10.00 | 10.00 | 10.00 | 10.00 | 9.00 |
| Profit Before Tax | 311.00 | 287.00 | 154.00 | 245.00 | -572.00 | 417.00 | 278.00 | 230.00 | 54.00 | 322.00 | 318.00 | 259.00 | 322.00 | 349.00 |
| Tax % | 24.44 | 27.87 | 6.49 | 23.67 | -17.83 | 22.78 | 25.90 | 23.04 | 40.74 | 25.47 | 25.16 | 23.55 | 29.19 | 25.21 |
| Net Profit - | 235.00 | 207.00 | 144.00 | 187.00 | -674.00 | 322.00 | 206.00 | 177.00 | 32.00 | 240.00 | 238.00 | 198.00 | 228.00 | 261.00 |
| Profit From Associates | - | - | - | 1.00 | 1.00 | 1.00 | - | 1.00 | - | - | - | - | -1.00 | - |
| Minority Share | - | 2.00 | 88.00 | -16.00 | 445.00 | -45.00 | -11.00 | -11.00 | 25.00 | -50.00 | -58.00 | -28.00 | -50.00 | -44.00 |
| Exceptional Items At | - | - | - | - | -744.00 | - | - | - | - | - | - | - | - | - |
| Profit For PE | - | 207.00 | 144.00 | 171.00 | 24.00 | 278.00 | 195.00 | 166.00 | 32.00 | 190.00 | 180.00 | 170.00 | 179.00 | 217.00 |
| Profit For EPS | - | 209.00 | 232.00 | 171.00 | -229.00 | 278.00 | 195.00 | 166.00 | 57.00 | 190.00 | 180.00 | 170.00 | 179.00 | 217.00 |
| EPS In Rs | 2.19 | 2.19 | 2.43 | 1.79 | -2.39 | 2.91 | 2.04 | 1.74 | 0.60 | 1.99 | 1.89 | 1.78 | 1.87 | 2.27 |
| PAT Margin % | 23.41 | 18.72 | 12.09 | 17.36 | -53.45 | 26.05 | 17.21 | 16.59 | 3.78 | 25.86 | 27.71 | 25.03 | 28.15 | 27.42 |
| PBT Margin | 30.98 | 25.95 | 12.93 | 22.75 | -45.36 | 33.74 | 23.22 | 21.56 | 6.38 | 34.70 | 37.02 | 32.74 | 39.75 | 36.66 |
| Tax | 76.00 | 80.00 | 10.00 | 58.00 | 102.00 | 95.00 | 72.00 | 53.00 | 22.00 | 82.00 | 80.00 | 61.00 | 94.00 | 88.00 |
| Yoy Profit Growth % | - | -25.00 | -26.00 | 3.00 | -27.00 | 46.00 | 8.00 | -2.00 | -82.00 | -12.00 | 3.00 | -16.00 | 1.00 | 20.00 |
| Adj PAT | 235.00 | 207.00 | 144.00 | 187.00 | -1,672 | 322.00 | 206.00 | 177.00 | 32.00 | 240.00 | 238.00 | 198.00 | 228.00 | 261.00 |
| Adj PAT Margin | 23.41 | 18.72 | 12.09 | 17.36 | -132.58 | 26.05 | 17.21 | 16.59 | 3.78 | 25.86 | 27.71 | 25.03 | 28.15 | 27.42 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4,378 | 4,786 | 3,291 | 3,724 | 3,211 | 3,446 | 3,494 | 3,062 | 2,359 | 1,685 | 1,342 | 1,007 |
| Interest | 1,305 | 1,562 | 1,179 | 1,082 | 1,111 | 1,386 | 1,446 | 1,139 | 782.00 | 512.00 | 420.00 | 308.00 |
| Expenses - | 2,087 | 2,017 | 1,170 | 1,296 | 1,009 | 933.00 | 743.00 | 767.00 | 582.00 | 459.00 | 448.00 | 402.00 |
| Other Income - | - | 46.00 | 52.00 | 39.00 | 15.00 | 8.00 | 6.00 | 35.00 | - | - | 61.00 | - |
| Exceptional Items | - | -846.00 | - | - | - | - | - | - | - | - | - | -1.00 |
| Depreciation | 64.00 | 53.00 | 42.00 | 38.00 | 40.00 | 41.00 | 27.00 | 26.00 | 23.00 | 20.00 | 18.00 | 15.00 |
| Profit Before Tax | 997.00 | 353.00 | 953.00 | 1,348 | 1,067 | 1,094 | 1,283 | 1,165 | 972.00 | 693.00 | 517.00 | 280.00 |
| Tax % | 22.37 | 91.22 | 25.60 | 26.41 | 24.27 | 28.88 | 34.76 | 32.62 | 33.23 | 24.10 | 26.69 | 19.64 |
| Net Profit - | 774.00 | 31.00 | 709.00 | 992.00 | 808.00 | 778.00 | 837.00 | 785.00 | 649.00 | 526.00 | 379.00 | 225.00 |
| Profit From Associates | 2.00 | 3.00 | - | - | 2.00 | - | 1.00 | 2.00 | 12.00 | 55.00 | 19.00 | 24.00 |
| Minority Share | 48.00 | 379.00 | -112.00 | -219.00 | -218.00 | -233.00 | -265.00 | -184.00 | -179.00 | -125.00 | -49.00 | -15.00 |
| Exceptional Items At | - | -34.00 | - | - | - | - | - | - | - | - | - | -1.00 |
| Profit For PE | 774.00 | 65.00 | 597.00 | 773.00 | 590.00 | 545.00 | 572.00 | 601.00 | 470.00 | 400.00 | 331.00 | 210.00 |
| Profit For EPS | 821.00 | 410.00 | 597.00 | 773.00 | 590.00 | 545.00 | 572.00 | 601.00 | 470.00 | 400.00 | 331.00 | 210.00 |
| EPS In Rs | 8.59 | 4.29 | 6.26 | 8.10 | 6.19 | 6.48 | 6.81 | 7.17 | 5.92 | 5.08 | 4.22 | 2.77 |
| Dividend Payout % | 31.00 | 47.00 | 29.00 | 20.00 | 8.00 | 3.00 | 15.00 | 25.00 | 25.00 | 29.00 | 32.00 | 36.00 |
| PAT Margin % | 17.68 | 0.65 | 21.54 | 26.64 | 25.16 | 22.58 | 23.96 | 25.64 | 27.51 | 31.22 | 28.24 | 22.34 |
| PBT Margin | 22.77 | 7.38 | 28.96 | 36.20 | 33.23 | 31.75 | 36.72 | 38.05 | 41.20 | 41.13 | 38.52 | 27.81 |
| Tax | 223.00 | 322.00 | 244.00 | 356.00 | 259.00 | 316.00 | 446.00 | 380.00 | 323.00 | 167.00 | 138.00 | 55.00 |
| Adj PAT | 774.00 | -43.28 | 709.00 | 992.00 | 808.00 | 778.00 | 837.00 | 785.00 | 649.00 | 526.00 | 379.00 | 224.20 |
| Adj PAT Margin | 17.68 | -0.90 | 21.54 | 26.64 | 25.16 | 22.58 | 23.96 | 25.64 | 27.51 | 31.22 | 28.24 | 22.26 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 223.00 | - | 181.00 | 148.00 | 120.00 | 87.00 | 49.00 | 26.00 |
| Average Total Assets | 27,048 | 29,751 | 29,402 | - | 27,437 | 24,520 | 22,062 | 21,693 | 22,423 | 19,376 |
| Average Total Equity | 10,644 | 11,332 | 11,164 | - | 10,948 | 10,150 | 8,906 | 7,950 | 7,120 | 5,450 |
| Cwip | 10.00 | 8.00 | 4.00 | 12.00 | 7.00 | 3.00 | 1.00 | 1.00 | 1.00 | 3.00 |
| Cash Equivalents | - | 5,467 | 5,444 | 3,171 | 2,392 | 2,560 | 2,075 | 1,329 | 1,282 | 1,527 |
| Fixed Assets | 579.00 | 574.00 | 572.00 | 547.00 | 505.00 | 414.00 | 423.00 | 450.00 | 424.00 | 427.00 |
| Gross Block | - | - | 794.00 | - | 685.00 | 562.00 | 543.00 | 537.00 | 473.00 | 453.00 |
| Inventory | - | 139.00 | 143.00 | 150.00 | 102.00 | - | - | - | - | - |
| Investments | 5,464 | 5,810 | 4,724 | 4,167 | 3,584 | 3,639 | 5,802 | 4,014 | 2,933 | 2,388 |
| Lease Liabilities | - | 83.00 | - | 82.00 | - | - | - | - | - | - |
| Loans N Advances | - | 11,848 | 428.00 | - | 384.00 | 347.00 | 309.00 | 304.00 | 269.00 | 237.00 |
| Long Term Borrowings | - | 13,866 | - | 16,949 | - | - | - | - | 10,492 | 10,159 |
| Net Debt | 6,043 | 2,672 | 6,060 | 9,693 | 9,963 | 7,299 | 4,528 | 6,413 | 9,776 | 11,073 |
| Non Controlling Interest | 503.00 | 2,551 | 2,566 | 2,984 | 3,134 | 2,939 | 2,676 | 2,496 | 2,634 | 1,918 |
| Other Asset Items | - | 3,361 | 17,709 | 22,468 | 21,023 | 18,199 | 14,260 | 14,323 | 17,046 | 16,770 |
| Other Borrowings | - | - | 16,228 | - | 15,939 | 13,498 | 12,405 | 11,756 | - | - |
| Other Liability Items | 1,533 | 1,310 | 993.00 | 1,803 | 680.00 | 692.00 | 533.00 | 416.00 | 466.00 | 401.00 |
| Reserves | 9,632 | 8,615 | 8,395 | 8,321 | 8,041 | 7,591 | 6,905 | 5,555 | 5,048 | 4,471 |
| Share Capital | 96.00 | 96.00 | 96.00 | 96.00 | 95.00 | 95.00 | 95.00 | 84.00 | 84.00 | 84.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 3,499 | 4,829 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 24,504 | 28,031 | 29,592 | 31,471 | 29,213 | 25,661 | 23,378 | 20,746 | 22,640 | 22,206 |
| Total Borrowings | 11,507 | 13,949 | 16,228 | 17,031 | 15,939 | 13,498 | 12,405 | 11,756 | 13,991 | 14,988 |
| Total Equity | 10,231 | 11,262 | 11,057 | 11,401 | 11,270 | 10,625 | 9,676 | 8,135 | 7,766 | 6,473 |
| Total Equity And Liabilities | 24,504 | 28,031 | 29,592 | 31,471 | 29,213 | 25,661 | 23,378 | 20,746 | 22,640 | 22,206 |
| Total Liabilities | 14,273 | 16,769 | 18,535 | 20,070 | 17,943 | 15,036 | 13,702 | 12,611 | 14,874 | 15,733 |
| Trade Payables | 1,234 | 1,511 | 1,316 | 1,237 | 1,323 | 846.00 | 764.00 | 440.00 | 417.00 | 345.00 |
| Trade Receivables | - | 823.00 | 1,138 | 955.00 | 2,430 | 998.00 | 1,018 | 648.00 | 1,370 | 1,710 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -4,786 | 162.00 | 2,160 | 1,281 | 1,296 | -2,205 | -522.00 | 4,540 |
| Cash From Investing Activity | -2,475 | -2,090 | -592.00 | 2,614 | -2,249 | -901.00 | -148.00 | -708.00 |
| Cash From Operating Activity | 5,569 | 3,635 | -2,307 | -3,458 | 969.00 | 3,164 | 773.00 | -3,584 |
| Cash Paid For Loan Advances | 4,714 | 1,160 | -1,863 | -4,139 | 417.00 | 2,215 | 575.00 | -3,750 |
| Cash Paid For Purchase Of Fixed Assets | -34.00 | -54.00 | -125.00 | -17.00 | -6.00 | -10.00 | -18.00 | -22.00 |
| Cash Paid For Purchase Of Investments | -2,448 | -1,176 | -992.00 | -239.00 | -1,996 | -1,636 | -816.00 | -563.00 |
| Cash Paid For Redemption Of Debentures | - | - | -2.00 | -2.00 | -1.00 | -1,488 | -768.00 | - |
| Cash Paid For Repayment Of Borrowings | - | -20,291 | -10,163 | -104.00 | -39.00 | -747.00 | -230.00 | - |
| Cash Received From Borrowings | - | 20,481 | 12,545 | - | 356.00 | - | - | - |
| Cash Received From Issue Of Debentures | - | - | - | 1,452 | 258.00 | - | - | - |
| Cash Received From Issue Of Shares | - | 92.00 | - | 50.00 | 759.00 | 97.00 | 651.00 | 726.00 |
| Cash Received From Sale Of Fixed Assets | 2.00 | 1.00 | - | - | - | - | - | 1.00 |
| Cash Received From Sale Of Investments | 715.00 | 457.00 | 1,062 | 2,804 | 412.00 | 651.00 | 249.00 | 169.00 |
| Change In Inventory | 13.00 | -41.00 | -102.00 | - | - | - | - | 10.00 |
| Change In Other Working Capital Items | 516.00 | 994.00 | -659.00 | 308.00 | -269.00 | -214.00 | -592.00 | -434.00 |
| Change In Payables | -82.00 | -8.00 | 477.00 | 82.00 | 324.00 | 32.00 | 72.00 | -478.00 |
| Change In Receivables | -79.00 | 645.00 | -736.00 | -3.00 | -189.00 | 351.00 | 167.00 | 414.00 |
| Change In Working Capital | 5,081 | 2,750 | -2,883 | -3,751 | 284.00 | 2,383 | 222.00 | -4,238 |
| Direct Taxes Paid | -205.00 | -380.00 | -274.00 | -452.00 | -314.00 | -372.00 | -503.00 | -463.00 |
| Dividends Paid | - | -87.00 | -196.00 | -96.00 | -18.00 | -46.00 | -172.00 | -164.00 |
| Dividends Received | 15.00 | 13.00 | 5.00 | 4.00 | 2.00 | 4.00 | 4.00 | 5.00 |
| Interest Paid | 586.00 | 1,018 | 876.00 | 477.00 | - | - | - | - |
| Interest Received | 32.00 | 27.00 | 21.00 | 111.00 | 68.00 | 78.00 | 85.00 | 96.00 |
| Net Cash Flow | -1,692 | 1,708 | -739.00 | 437.00 | 16.00 | 58.00 | 103.00 | 247.00 |
| Other Cash Financing Items Paid | - | -32.00 | -24.00 | -20.00 | -19.00 | -21.00 | -2.00 | 3,978 |
| Other Cash Investing Items Paid | -757.00 | -1,358 | -563.00 | -48.00 | -729.00 | 11.00 | 347.00 | -394.00 |
| Profit From Operations | 106.00 | 246.00 | -26.00 | 269.00 | 999.00 | 1,153 | 1,055 | 1,116 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Jmfinancil | 2025-03-31 | - | 17.48 | 7.07 | 18.94 | 0.00 |
| Jmfinancil | 2024-12-31 | - | 17.02 | 7.20 | 19.36 | 0.00 |
| Jmfinancil | 2024-09-30 | - | 15.31 | 8.57 | 19.70 | 0.00 |
| Jmfinancil | 2024-06-30 | - | 16.83 | 8.63 | 18.11 | 0.00 |
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