JMJ Fintech
MEENAKSHIENTERPRISESLTD NSE
JMJ Fintech
Financial ServicesNSE: MEENAKSHIENTERPRISESLTD BSE: 538834 NBFC
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹33.84 Cr
Volatility
Moderate
P/E Ratio
4.3
EBITDA
₹13.35 Cr
Return on Equity
21.88%
Debt to Equity
0.8
Book Value
₹15.42
EPS
₹3.04
52W High
₹18.99
52W Low
₹8.27
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
2- Stock is trading at 0.58 times its book value
- Company has delivered good profit growth of 99.0% CAGR over last 5 years
Weaknesses
2- Promoter holding is low: 23.3%
- Working capital days have increased from 216 days to 657 days
Growth Rate
Revenue Growth
26.32% lower than
3Y
Net Income Growth
46.15% lower than
3Y
Cash Flow Change
-11.6% higher than
3Y
ROE
59.36% higher than
3Y
ROCE
38.99% lower than
3Y
EBITDA Margin (Avg.)
-6.68% lower than
3Y
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 0.78 | 1.48 | 2.14 | 3.07 | 3.69 | 3.75 | 3.6 | 6.11 | 5.07 | 6.32 | 5.13 | 5.34 | 5.35 |
| Expenses | 0.47 | 0.52 | 0.64 | 0.94 | 0.87 | 1.11 | 1.71 | 2.2 | 2.73 | 1.58 | 1.94 | 2.09 | 1.71 |
| Financing Profit | 0.19 | 0.78 | 1.25 | 1.82 | 2.48 | 2.28 | 1.53 | 3.4 | 1.65 | 3.96 | 2.35 | 2.33 | 2.68 |
| Fin. Margin % | 24.36% | 52.7% | 58.41% | 59.28% | 67.21% | 60.8% | 42.5% | 55.65% | 32.54% | 62.66% | 45.81% | 43.63% | 50.09% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.01 | 0 | 0.07 | 0.06 | 0.01 |
| Interest | 0.12 | 0.18 | 0.25 | 0.31 | 0.34 | 0.36 | 0.36 | 0.51 | 0.69 | 0.78 | 0.84 | 0.92 | 0.96 |
| Depreciation | 0 | 0 | 0 | 0.18 | 0.04 | 0.05 | 0.07 | 0.07 | 0.06 | 0.07 | 0.07 | 0.07 | 0.06 |
| PBT | 0.19 | 0.78 | 1.25 | 1.64 | 2.44 | 2.23 | 1.46 | 3.33 | 1.6 | 3.89 | 2.35 | 2.32 | 2.63 |
| Tax % | 0% | 41.03% | 17.6% | 72.56% | 25.41% | 25.11% | 30.14% | 80.18% | 28.12% | 23.65% | 26.38% | 24.57% | 25.1% |
| Net Profit | 0.19 | 0.46 | 1.03 | 0.46 | 1.82 | 1.67 | 1.02 | 0.66 | 1.14 | 2.97 | 1.74 | 1.75 | 1.97 |
| EPS in Rs | 0.05 | 0.12 | 0.28 | 0.12 | 0.49 | 0.45 | 0.27 | 0.17 | 0.3 | 0.77 | 0.45 | 0.48 | 0.54 |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.5 | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | 17.15 | 21.82 | 22.14 |
| Expenses | 4.33 | 2.73 | 2.52 | 3.4 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | 5.88 | 8.25 | 7.32 |
| Financing Profit | 0.17 | -0.66 | 0.24 | 0 | -0.22 | -0.39 | -0.21 | 0.05 | 0.27 | 4.04 | 9.69 | 10.34 | 11.32 |
| Fin. Margin % | 3.78% | -31.88% | 8.66% | 0% | -6.04% | -17.11% | -12.28% | 7.81% | 7.07% | 54.16% | 56.5% | 47.39% | 51.13% |
| Other Income | 0 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0.73 | 0 | 0 | 0.17 | 0.14 |
| Interest | 0 | 0 | 0.01 | 0.01 | 0.08 | 0.01 | 0.13 | 0 | 0.06 | 0.85 | 1.58 | 3.23 | 3.5 |
| Depreciation | 0.03 | 0.02 | 0.02 | 0.01 | 0 | 0 | 0 | 0 | 0.02 | 0.18 | 0.24 | 0.28 | 0.27 |
| PBT | 0.14 | -0.68 | 0.22 | 0 | -0.22 | -0.39 | -0.21 | 0.05 | 0.98 | 3.86 | 9.45 | 10.23 | 11.19 |
| Tax % | 57.14% | 0% | 31.82% | — | 0% | 0% | 28.57% | 0% | 16.33% | 44.56% | 45.4% | 25.81% | — |
| Net Profit | 0.07 | -0.68 | 0.16 | 0.03 | -0.22 | -0.39 | -0.26 | 0.05 | 0.83 | 2.14 | 5.17 | 7.6 | 8.43 |
| EPS in Rs | 0.02 | -0.18 | 0.04 | 0.01 | -0.06 | -0.1 | -0.07 | 0.01 | 0.22 | 0.58 | 1.35 | 2.07 | 2.24 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 6.19% | 0% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.4 | 12.8 | 37.27 |
| Reserves | 0.54 | -0.14 | 0.02 | 0.05 | -0.17 | -0.56 | -0.82 | -0.77 | 0.26 | 3.17 | 10.83 | 18.77 |
| Borrowing | 0 | 0 | 0 | 0 | 1.15 | 2.16 | 0.71 | 0 | 2.99 | 10.36 | 21.07 | 32.27 |
| Other Liabilities | 0.06 | 0.6 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 1.51 | 3.35 | 1.27 |
| Total Liabilities | 13 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.8 | 15.81 | 27.44 | 48.05 | 89.58 |
| Fixed Assets | 0.05 | 0.03 | 0.01 | 0 | 0 | 0 | 0 | 0.03 | 0.35 | 0.58 | 0.85 | 5.01 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Assets | 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.86 | 47.2 | 84.57 |
| Total Assets | 13 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.8 | 15.81 | 27.44 | 48.05 | 89.58 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | 0.91 | -0.66 | 0.07 | 1.07 | -2.33 | -0.13 | 1.56 | 2.27 | -2.63 | -8.36 | -9.33 | -17.94 |
| Investing | 0 | 0 | 0 | 0.02 | 0 | -1 | 0 | -0.03 | -0.79 | -0.19 | -0.52 | -4.43 |
| Financing | -0.07 | -0.02 | -0.02 | 0 | 1.15 | 1.01 | -1.46 | -0.71 | 2.99 | 7.37 | 11.71 | 32.36 |
| Net Cash Flow | 0.84 | -0.68 | 0.05 | 1.09 | -1.18 | -0.12 | 0.11 | 1.54 | -0.42 | -1.18 | 1.86 | 10 |
| Free Cash Flow | 0.91 | -0.66 | 0.07 | 1.09 | -2.33 | -1.13 | 1.56 | 2.24 | -2.97 | -8.77 | -9.85 | -22.37 |
| CFO/OP | 535 | 100 | 28 | 10,800 | 1,664 | 34 | -1,950 | 4,540 | -797 | -171 | -83 | -112 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0.54% | -5.4% | 1.3% | 0.24% | -1.78% | -3.24% | -2.22% | 0.43% | 0.91% | 15.16% | 26.38% | 19.08% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view JMJ Fintech insights
54 extracted metrics + investor summaries across FY11–FY26.
Documents
1
Board Meeting Intimation for To Approve For Forfeiture Of Shares Issued On Right Issue.
4 May - Board to meet on 13 May 2026 to consider forfeiture of partly paid-up shares. 4 May - Board to meet on 13 May 2026 to consider forfeiture of partly paid-up shares.
2
Board Meeting Intimation for To Approve For Forfeiture Of Shares Issued On Right Issue.
4 May - Board to meet on 13 May 2026 to consider forfeiture of partly paid-up shares. 4 May - Board to meet on 13 May 2026 to consider forfeiture of partly paid-up shares.
3
Update On Rights Issue - Receipt Of Final Demand Cum Forfeiture Notice On The Partly Paid-Up Equity Shares Of The Company
27 Apr - Received call money for 8,61,137 of 16,15,589 partly paid shares; converted to fully paid-up. 27 Apr - Received call money for 8,61,137 of 16,15,589 partly paid shares; converted to fully paid-up.
4
Update On Rights Issue - Receipt Of Final Demand Cum Forfeiture Notice On The Partly Paid-Up Equity Shares Of The Company
9h - Received call money for 8,61,137 of 16,15,589 partly paid shares; converted to fully paid-up. 9h - Received call money for 8,61,137 of 16,15,589 partly paid shares; converted to fully paid-up.
5
Format of the Initial Disclosure to be made by an entity identified as a Large Corporate : Annexure A
10 Apr - JMJ Fintech confirms it is not a SEBI 'Large Corporate'. 10 Apr - JMJ Fintech confirms it is not a SEBI 'Large Corporate'.
Frequently Asked Questions about JMJ Fintech
What does JMJ Fintech Ltd do?
Incorporated in 1982, JMJ
Fintech Ltd is in the business
of providing loans and investments[1]
Where is JMJ Fintech Ltd (538834) listed?
JMJ Fintech Ltd trades as MEENAKSHIENTERPRISESLTD on the NSE and under code 538834 on the BSE.
Which sector does JMJ Fintech Ltd belong to?
JMJ Fintech Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of JMJ Fintech Ltd?
JMJ Fintech Ltd has a market capitalisation of ₹33.84 Cr, which places it in the Small Cap band.
What is the PE ratio of JMJ Fintech Ltd?
JMJ Fintech Ltd trades at a PE ratio of 4.30, on earnings per share of ₹3.04, against a book value of ₹15.42 per share.
What is the 52-week high and low of JMJ Fintech Ltd?
Over the last 52 weeks JMJ Fintech Ltd has traded between ₹8.27 and ₹18.99.
Does JMJ Fintech Ltd pay dividends?
JMJ Fintech Ltd has a dividend yield of 1.58%.
What is the Return on Equity (ROE) of JMJ Fintech Ltd?
JMJ Fintech Ltd reported a return on equity of 21.88%. Its debt-to-equity ratio is 0.80.
Company Information
Incorporated in 1982, JMJ Fintech Ltd is in the business of providing loans and investments[1]
Website jmjfintechltd.com
Face Value ₹ 10
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