J A Finance
J A Finance (JAFINANCE) share price was ₹145.55 at the 28 Oct 2026 close; market capitalisation ₹155 Cr; P/E (TTM) 264.64; sector Financial Services. The share price rose 155.2% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue was ₹0.52 Cr, against ₹0.73 Cr a year earlier and net profit was ₹0.23 Cr, against ₹0.19 Cr a year earlier (compared with Jun 2025). Promoters held 59.90% of J A Finance in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 53/100 (Average) as of 28 Oct 2026.
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM
Peer Comparison
Financial Services › NBFC › Non Banking Financial Company (NBFC)
| ₹925.80 | 26.57 | 5,76,399 Cr | 4.68 | 0.66% | 16.53% | 10.71% | 89,874 Cr | 22,067 Cr | |
| ₹835.15 | 14.79 | 1,96,515 Cr | 1.76 | 0.79% | 15.18% | 11.00% | 51,245 Cr | 11,318 Cr | |
| ₹1,560.20 | 23.01 | 1,33,290 Cr | 3.86 | 0.14% | 17.17% | 9.46% | 33,147 Cr | 5,751 Cr | |
| ₹312.60 | 24.29 | 1,32,695 Cr | 2.71 | 0.19% | 10.38% | 8.56% | 34,329 Cr | 5,478 Cr | |
| ₹2,450.00 | 8.65 | 98,360 Cr | 2.42 | 1.25% | 26.67% | 15.43% | 33,526 Cr | 11,457 Cr | |
| ₹250.65 | 19.72 | 62,822 Cr | 2.15 | 1.14% | 10.64% | 10.11% | 20,742 Cr | 3,198 Cr | |
| ₹535.70 | 22.41 | 50,980 Cr | 2.97 | 0.47% | 13.78% | 18.31% | 21,048 Cr | 2,275 Cr | |
| J A Finance (this company) | — | 264.64 | 155 Cr | 7.51 | 0.00% | 2.62% | 7.90% | 3 Cr | 1 Cr |
| Median 8 companies | ₹835.15 | 22.71 | 1,15,527 Cr | 2.84 | 0.57% | 14.48% | 10.41% | 33,337 Cr | 5,615 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 →
Data confidence 94/100
Category scores
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
1- Company has reduced debt.
Weaknesses
5- Stock is trading at 8.16 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 9.28% over past five years.
- Company has a low return on equity of 2.51% over last 3 years.
- Company's cost of borrowing seems high
Technical Indicators
Oscillators
Neutral
Overall
Bullish
Moving Averages
Bullish
Growth Rate
change over 1 year
change over 1 year
change over 1 year
change over 1 year
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 | 1 | 0.81 | 0.56 | 0.68 | 0.68 | 0.58 | 0.59 | 0.42 | 0.73 | 0.81 | 0.55 | 0.69 | 0.52 |
| Expenses | 0.34 | 0.12 | 0.21 | 0.18 | 0.21 | 0.2 | 0.2 | 0.23 | 0.24 | 0.19 | 0.36 | 0.17 | 0.16 |
| Financing Profit | 0.27 | 0.39 | 0.24 | 0.39 | 0.35 | 0.3 | 0.32 | 0.13 | 0.25 | 0.32 | -0.08 | 0.29 | 0.31 |
| Fin. Margin % | 27% | 48.15% | 42.86% | 57.35% | 51.47% | 51.72% | 54.24% | 30.95% | 34.25% | 39.51% | -14.55% | 42.03% | 59.62% |
| Other Income | 0 | 0 | 0 | 0 | 0.01 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0.39 | 0.3 | 0.11 | 0.11 | 0.12 | 0.08 | 0.07 | 0.06 | 0.24 | 0.3 | 0.27 | 0.23 | 0.05 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 0.27 | 0.39 | 0.24 | 0.39 | 0.36 | 0.3 | 0.32 | 0.13 | 0.25 | 0.32 | -0.08 | 0.29 | 0.31 |
| Tax % | 25.93% | 25.64% | 25% | 12.82% | 19.44% | 23.33% | 25% | 715.38% | 28% | 25% | -25% | 41.38% | 25.81% |
| Net Profit | 0.2 | 0.29 | 0.18 | 0.34 | 0.29 | 0.22 | 0.24 | -0.79 | 0.19 | 0.24 | -0.06 | 0.17 | 0.23 |
| EPS (₹) | 0.19 | 0.27 | 0.17 | 0.32 | 0.27 | 0.21 | 0.23 | -0.74 | 0.18 | 0.23 | -0.06 | 0.16 | 0.22 |
| Gross NPA % | — | — | — | — | — | — | — | — | — | — | 3.01% | 4.54% | — |
| Net NPA % | — | — | — | — | — | — | — | — | — | — | 2.43% | 3.67% | — |
Profit & Loss
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 1.79 | 3.17 | 2.18 | 3.06 | 2.28 | 2.79 | 2.57 |
| Expenses | 0.69 | 0.81 | 0.92 | 0.85 | 0.84 | 0.95 | 0.88 |
| Financing Profit | 0.8 | 1.92 | 0.62 | 1.29 | 1.11 | 0.79 | 0.84 |
| Fin. Margin % | 44.69% | 60.57% | 28.44% | 42.16% | 48.68% | 28.32% | 32.68% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0.3 | 0.44 | 0.64 | 0.92 | 0.33 | 1.05 | 0.85 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 0.8 | 1.92 | 0.62 | 1.29 | 1.11 | 0.79 | 0.84 |
| Tax % | 100% | 11.98% | 35.48% | 20.93% | 103.6% | 31.65% | — |
| Net Profit | 0 | 1.7 | 0.41 | 1.01 | -0.04 | 0.54 | 0.58 |
| EPS (₹) | — | 1.6 | 0.39 | 0.95 | -0.04 | 0.51 | 0.55 |
| Div. Payout % | — | 0% | 0% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Equity Capital | 3.99 | 10.65 | 10.65 | 10.65 | 10.65 | 10.65 |
| Reserves | 13.67 | 7.92 | 8.25 | 9.25 | 9.4 | 9.99 |
| Borrowing | 4.17 | 4.71 | 8.13 | 7.09 | 3.96 | 2.56 |
| Other Liabilities | 0.46 | 0.24 | 0.19 | 0.19 | 0.17 | 0.15 |
| Total Liabilities | 22.29 | 23.52 | 27.22 | 27.18 | 24.18 | 23.35 |
| Fixed Assets | 0 | 0.01 | 0 | 0 | 0 | 0 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2.08 | 2.37 | 2.6 | 3.17 | 0.9 | 0.94 |
| Other Assets | 20.21 | 21.14 | 24.62 | 24.01 | 23.28 | 22.41 |
| Total Assets | 22.29 | 23.52 | 27.22 | 27.18 | 24.18 | 23.35 |
Cash Flow
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | — | 0.15 | -1.61 | 3.77 | -1.11 | 2.6 |
| Investing | — | -0.13 | -0.55 | -0.4 | 2.53 | 0 |
| Financing | — | -0.01 | 2.77 | -1.95 | -3.45 | -2.45 |
| Net Cash Flow | — | 0.01 | 0.61 | 1.42 | -2.03 | 0.15 |
| Free Cash Flow | — | 0.14 | -1.61 | 3.77 | -1.11 | 2.6 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 0% | 4.36% | 2.19% | 5.21% | -0.25% | 2.65% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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72 extracted metrics + investor summaries across FY09–FY27.
Documents
Frequently Asked Questions about J A Finance
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Company Information
Incorporated in 1993, J. A. Finance Ltd is in the business of financing and investing[1]
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