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JMJ Fintech

538834 BSE
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JMJ Fintech (JMJFIN) share price was ₹9.20 at the 28 Oct 2026 close; market capitalisation ₹34.59 Cr; P/E (TTM) 4.11; sector Financial Services. The share price fell 39.3% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue rose 5.5% year on year to ₹5.35 Cr and net profit was ₹1.97 Cr, against ₹1.14 Cr a year earlier (compared with Jun 2025). Promoters held 24.18% of JMJ Fintech in Sep 2026, up 0.91 percentage points from Jun 2026. Its Tapetide Score is 56/100 (Good) as of 28 Oct 2026.

Close 28 Oct 2026 ₹9.20 −5.94 −39.23% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹34.59 Cr
P/E (TTM)
4.11
EBITDA
₹13.70 Cr
Return on Equity
13.56%
Debt to Equity
0.67
Book Value
₹15.42
EPS (TTM)
₹2.24
52W High
₹18.99
52W Low
₹7.90

Price-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Bajaj Finance
₹924.9526.555,75,870 Cr4.680.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹833.4014.761,96,103 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,556.2022.951,32,948 Cr3.850.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹312.8024.301,32,780 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,444.008.6398,119 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹249.5019.6362,534 Cr2.141.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹535.3022.4050,941 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
JMJ Fintech (this company)
—4.1135 Cr0.601.64%13.56%15.25%22 Cr8 Cr
Median 8 companies₹833.4021.021,15,449 Cr2.570.73%14.48%10.86%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

56 Good
Overall score

Data confidence 94/100

Category scores

Quality Good 56
Returns, margins, earnings quality 22% weight
Valuation Strong 69
Cheap vs sector & own history 24% weight
Growth Good 57
Sales & profit trajectory 9% weight
Financial Health Good 58
Solvency, leverage, coverage 9% weight
Momentum Weak 37
Trend strength, vol-adjusted 12% weight
Ownership Good 58
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Stock is trading at 0.61 times its book value
  • Company has delivered good profit growth of 99.0% CAGR over last 5 years

Weaknesses

1
  • Promoter holding is low: 23.3%

Technical Indicators

Oscillators

Bearish

Bearish
2
Neutral
6
Bullish
1

Overall

Bearish

Bearish
10
Neutral
6
Bullish
3

Moving Averages

Bearish

Bearish
8
Neutral
0
Bullish
2

Growth Rate

Revenue Growth
28.65% lower than 3Y

change over 1 year

Net Income Growth
46.15% lower than 3Y

change over 1 year

Cash Flow Change
-131%

change over 1 year

EBITDA Margin Change
-4.92%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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 (₹)
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
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4.5
2.07
2.77
3.41
3.64
2.28
1.71
0.64
3.82
7.46
17.15
21.99
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
8.24
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
10.51
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%
47.79%
51.13%
Other Income
0
0
0
0.01
0
0
0
0
0.73
0
0
0
0.14
Interest
0
0
0.01
0.01
0.08
0.01
0.13
0
0.06
0.85
1.58
3.24
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 (₹)
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%
7.36%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
18.76
Borrowing
0
0
0
0
1.15
2.16
0.71
0
2.99
10.36
21.49
32.27
Other Liabilities
0.06
0.6
0.13
0.04
0.04
0.03
0.09
0.17
0.16
1.51
0.89
1.28
Total Liabilities
13
12.86
12.55
12.49
13.42
14.03
12.38
11.8
15.81
27.44
46.01
89.58
Fixed Assets
0.05
0.03
0.01
0
0
0
0
0.03
0.35
0.58
0.85
5
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
45.16
84.58
Total Assets
13
12.86
12.55
12.49
13.42
14.03
12.38
11.8
15.81
27.44
46.01
89.58
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
0.91
-0.66
0.07
1.07
-2.33
-0.13
1.56
2.27
-2.63
-8.36
-7.76
-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
10.14
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
-8.28
-22.37
CFO/OP
535
100
28
10,800
1,664
34
-1,950
4,540
-797
-171
-53
-111
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view JMJ Fintech insights

62 extracted metrics + investor summaries across FY11–FY27.

Shareholding Pattern

Public65.99%Others9.83%Promot.24.18%As ofSep 2026

Documents

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 (JMJFIN) listed?
JMJ Fintech Ltd trades 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 ₹34.59 Cr as of 28 Oct 2026, 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 4.11 as of 28 Oct 2026, on earnings per share of ₹2.24, 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 ₹7.9 and ₹18.99 as of 28 Oct 2026.
Does JMJ Fintech Ltd pay dividends?
JMJ Fintech Ltd has a dividend yield of 1.63%.
What is the Return on Equity (ROE) of JMJ Fintech Ltd?
JMJ Fintech Ltd reported a return on equity of 13.56%. Its debt-to-equity ratio is 0.67.

Company Information

Incorporated in 1982, JMJ Fintech Ltd is in the business of providing loans and investments[1]

Website jmjfintechltd.com
Face Value ₹ 10
Shares Outstanding 3,75,99,094

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