JMJ Fintech Ltd
Incorporated in 1982, JMJ Fintech Ltd
is in the business of providing loans and
investing/ trading of shares[1]
- Market Cap ₹ 26.6 Cr.
- Current Price ₹ 21.5
- High / Low ₹ 32.3 / 12.1
- Stock P/E 12.4
- Book Value ₹ 12.6
- Dividend Yield 0.00 %
- ROCE 29.9 %
- ROE 15.2 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding is low: 23.6%
- Company has a low return on equity of 6.07% over last 3 years.
- Working capital days have increased from 516 days to 1,198 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|
1.72 | 4.50 | 2.07 | 2.77 | 3.41 | 3.64 | 2.28 | 1.71 | 0.64 | 3.82 | 7.46 | |
1.85 | 4.33 | 2.73 | 2.52 | 3.40 | 3.78 | 2.66 | 1.79 | 0.59 | 3.49 | 2.57 | |
Operating Profit | -0.13 | 0.17 | -0.66 | 0.25 | 0.01 | -0.14 | -0.38 | -0.08 | 0.05 | 0.33 | 4.89 |
OPM % | -7.56% | 3.78% | -31.88% | 9.03% | 0.29% | -3.85% | -16.67% | -4.68% | 7.81% | 8.64% | 65.55% |
0.24 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.73 | 0.00 | |
Interest | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.08 | 0.01 | 0.13 | 0.00 | 0.06 | 0.85 |
Depreciation | 0.01 | 0.03 | 0.02 | 0.02 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.18 |
Profit before tax | 0.10 | 0.14 | -0.68 | 0.22 | 0.00 | -0.22 | -0.39 | -0.21 | 0.05 | 0.98 | 3.86 |
Tax % | -20.00% | 57.14% | 0.00% | 31.82% | 0.00% | 0.00% | 28.57% | 0.00% | 16.33% | 44.56% | |
0.11 | 0.07 | -0.68 | 0.16 | 0.03 | -0.22 | -0.39 | -0.26 | 0.05 | 0.83 | 2.14 | |
EPS in Rs | 0.09 | 0.06 | -0.55 | 0.13 | 0.02 | -0.18 | -0.31 | -0.21 | 0.04 | 0.67 | 1.73 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | 16% |
5 Years: | 15% |
3 Years: | 63% |
TTM: | 95% |
Compounded Profit Growth | |
---|---|
10 Years: | 35% |
5 Years: | 64% |
3 Years: | 117% |
TTM: | 1845% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 27% |
3 Years: | 53% |
1 Year: | 41% |
Return on Equity | |
---|---|
10 Years: | 1% |
5 Years: | 3% |
3 Years: | 6% |
Last Year: | 15% |
Balance Sheet
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 | 12.40 |
Reserves | 0.47 | 0.54 | -0.14 | 0.02 | 0.05 | -0.17 | -0.56 | -0.82 | -0.77 | 0.26 | 3.17 |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.15 | 2.16 | 0.71 | 0.00 | 2.99 | 0.31 | |
0.07 | 0.06 | 0.60 | 0.13 | 0.04 | 0.04 | 0.03 | 0.09 | 0.17 | 0.16 | 11.57 | |
Total Liabilities | 12.94 | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.45 |
0.07 | 0.05 | 0.03 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.35 | 0.58 | |
CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
12.87 | 12.95 | 12.83 | 12.54 | 12.49 | 13.42 | 14.03 | 12.38 | 11.77 | 15.46 | 26.87 | |
Total Assets | 12.94 | 13.00 | 12.86 | 12.55 | 12.49 | 13.42 | 14.03 | 12.38 | 11.80 | 15.81 | 27.45 |
Cash Flows
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|
-10.11 | 0.91 | -0.66 | 0.07 | 1.07 | -2.33 | -0.13 | 1.56 | 2.27 | -2.63 | -8.36 | |
-0.07 | 0.00 | 0.00 | 0.00 | 0.02 | 0.00 | -1.00 | 0.00 | -0.03 | -0.79 | -0.19 | |
10.16 | -0.07 | -0.02 | -0.02 | 0.00 | 1.15 | 1.01 | -1.46 | -0.71 | 2.99 | 7.37 | |
Net Cash Flow | -0.02 | 0.84 | -0.68 | 0.05 | 1.09 | -1.18 | -0.12 | 0.11 | 1.54 | -0.42 | -1.18 |
Ratios
Figures in Rs. Crores
Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 4.24 | 1.62 | 0.00 | 0.00 | 0.00 | 0.00 | 8.00 | 179.30 | 136.88 | 0.00 | 0.00 |
Inventory Days | 1,036.13 | 361.38 | 708.53 | 188.79 | 208.11 | 383.25 | 357.07 | 266.73 | 405.56 | 0.00 | |
Days Payable | 9.42 | 3.62 | 118.09 | 1.40 | 0.00 | 0.00 | 0.00 | 0.00 | 94.63 | ||
Cash Conversion Cycle | 1,030.95 | 359.38 | 590.44 | 187.39 | 208.11 | 383.25 | 365.07 | 446.03 | 447.80 | 0.00 | 0.00 |
Working Capital Days | 937.97 | 970.09 | 2,114.18 | 1,599.68 | 1,191.33 | 291.80 | 249.74 | 320.18 | 342.19 | 7.64 | 1,198.24 |
ROCE % | 1.08% | -5.40% | 1.86% | 0.08% | -1.08% | -2.78% | -0.61% | 0.42% | 2.35% | 29.88% |
Documents
Announcements
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
5 Jul - Submission of Certificate under Regulation 74(5) for the quarter ended 30th June 2024
- Closure of Trading Window 26 Jun
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
25 May - Submission of Newspaper Advertisement for the Audited financial results of the Company for the Quarter and year Ended 31.03.2024
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
25 May - Submission of Annual Secretarial Compliance Report pursuant to Regulation 24(A) of SEBI (LODR) Regulations, 2015
- Appointment Of Mr. Mr. Nidheesh P Anto As The Internal Auditor Of The Company For The Financial Year 2024-25. (Annexure A) And Appointment Of M/S. Lakshmmi Subramanian & Associates As The Secretarial Auditors Of The Company For The Financial Year 2024-25. (Annexure B) As Per SEBI Circular SEBI/HO/CFD/CFD-Pod-1/P/CIR/2023/123 Dated July 13, 2023 23 May
Annual reports
-
Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
-
Financial Year 2012
from bse
Services Offered:[1]
a) NBFC Activities:
Company is working as a Non-Deposit
taking Non-Banking Financial Company
that provide loans to both Corporate
Clients and HNIs against security and guarantee (by pledging of shares, immovable properties, bank guarantees, etc.) and are provided only after entering into an agreement for the same.