JMJ Fintech Ltd (JMJFIN)

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JMJ Fintech Ltd (JMJFIN) · mywealthgrid

About

JMJ Fintech Ltd operates in Non Banking Financial Company (NBFC) within the Financials sector.

Face value: ₹10

Market cap

₹36 Cr

P/E

—

P/B

2.3×

Dividend yield

4.3%

ROE

20.6%

ROCE

—

Debt / equity

0.67

OPM

65.4%

EPS (TTM)

₹-0.1

Book value

₹4.1

52-week high

—

52-week low

—

2,000 historical price candles were omitted because the exchange source has not been verified.

₹9.3-1.9%1Y

Quick read

rule-based

Pros

+Healthy operating margin of 65.4%
+Profit CAGR of 149.7% over the last 5 years
+Revenue CAGR of 17.2% over the last 5 years
+Dividend yield of 4.3%

Cons

−Low return on equity of 9.3% (3-yr avg)
−Low promoter holding of 23.3%

Research score

Structured signal from quality, growth, valuation and momentum.

70/100

Business quality: 65
Growth: 50
Valuation

Revenue & net profit

₹ crore, by fiscal year

RevenuePAT

Margins

% of revenue, by fiscal year

OPMPAT margin

Peers

Comparable companies from the narrowest available industry classification.

Screen this industry Compare top 5 side-by-side

Company	Mkt Cap	EV	Revenue	EBITDA	OPM	PAT	NPM	ROCE	ROE	WC Days
Shriram Finance LimitedSHRIRAMFINSHRIRAMFIN	₹1,77,811 Cr	₹4,28,503 Cr	₹49,997 Cr	₹36,981 Cr	73.7%	₹11,318 Cr	20.8%	—	16.4%	—
Tata Capital LimitedTATACAPTATACAP	₹1,35,540 Cr	₹3,71,517 Cr	₹32,695 Cr	₹24,219 Cr	73.2%	₹5,404 Cr	15.5%	—	13.3%	—
Cholamandalam Investment And Finance Company LimitedCHOLAFINCHOLAFIN	₹1,33,352 Cr	₹3,45,452 Cr	₹32,663 Cr	₹22,399 Cr	68.2%	₹5,751 Cr	16.8%	—	19.3%	—
Muthoot Finance LimitedMUTHOOTFINMUTHOOTFIN	₹1,08,289 Cr	₹2,60,075 Cr	₹33,431 Cr	₹27,558 Cr	81.4%	₹11,373 Cr	34%	—	30.9%	—
L&T Finance LimitedLTFLTF	₹66,238 Cr	₹1,76,126 Cr	₹18,928 Cr	₹11,603 Cr	61.1%	₹3,226 Cr	16.7%	—	11.2%	—
Sbi Cards And Payment Services LimitedSBICARDSBICARD	₹53,594 Cr	₹97,658 Cr	₹20,063 Cr	₹5,374 Cr	26.7%	₹2,275 Cr	10.9%	—	14.7%	—
Hdb Financial Services LimitedHDBFSHDBFS	₹51,335 Cr	₹1,38,733 Cr	₹16,300 Cr	₹9,318 Cr	57.2%	₹2,176 Cr	13.4%	—	14.7%	—
Sundaram Finance LimitedSUNDARMFINSUNDARMFIN	₹48,838 Cr	₹1,18,475 Cr	₹10,104 Cr	₹7,957 Cr	78.3%	₹2,220 Cr	21%	—	14.7%	—
Piramal Finance LimitedPIRAMALFINPIRAMALFIN	₹45,868 Cr	₹1,25,857 Cr	₹11,852 Cr	₹7,051 Cr	59.5%	₹1,504 Cr	12.7%	—	5.3%	—
Authum Investment & Infrastructure LimitedAIILAIIL	₹45,797 Cr	₹49,133 Cr	₹2,863 Cr	₹2,451 Cr	88.2%	₹3,582 Cr	74%	—	13.1%	—
Mahindra & Mahindra Financial Services LimitedM&MFINM&MFIN	₹44,445 Cr	₹1,72,816 Cr	₹21,733 Cr	₹13,785 Cr	62.5%	₹3,253 Cr	13.6%	—	11.9%	—
Poonawalla Fincorp LimitedPOONAWALLAPOONAWALLA	₹38,161 Cr	₹86,259 Cr	₹7,813 Cr	₹4,291 Cr	52.7%	₹787 Cr	8%	—	5.9%	—

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Financials

Reported profit and loss, balance sheet, cash flow and growth history.

Annual Quarterly

Standalone figures · ₹ crore · years without a filed annual are summed from quarters

₹ Cr	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	2	3	3	4	2	1	4	7
Interest	—	—	—	0	0	0	0	1
Expenses	3	3	3	4	2	1	3	3
Financing profit	—	—	—	-0	-0	0	1	4
Financing margin %	—	—	—	-6.3%	-12.3%	7.8%	26.2%	54%
Other income	—	—	—	—	0	0	0	0
Depreciation	0	—	—	—	0	0	0	0
Profit before tax	-1	0	0	-0	-0	0	1	4
Tax	-0	—	—	0	0	0	0	1
Tax %	-1.5%	—	—	0%	23.8%	0%	15.3%	24.6%
PAT	-1	0	0	-0	-0	0	1	3
EPS (₹)	-0.6	0.1	0	-0.2	-0.2	0	0.7	1.7
EPS adjusted (₹)	—	—	—	—	-0.2	0	0.7	2.4
Annual report	Annual report for Mar 2016	Annual report for Mar 2017	Annual report for Mar 2018	Annual report for Mar 2019	Annual report for Mar 2021	Annual report for Mar 2022	Annual report for Mar 2023	Annual report for Mar 2024

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity capital	12	12	12	12
Reserves	-1	-1	0	3
	1	0	3	10
	0	0	0	2
Total equity & liabilities	12	12	16	27
	0	0	0	1
CWIP	—	0	0	—
Investments	0	0	0	0
	12	12	15	27
Total assets	12	12	16	27

₹ Cr	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2	2	-3	-8	-9
	0	-0	-1	-0	-1
	-2	-1	3	7	12
Net cash flow	0	2	-0	-1	2
Free cash flow	2	2	-3	-9	—
CFO / Operating profit %	—	—	-250%	-171.3%	—

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Ratios

Annual operating, return, leverage and working-capital ratios.

Standalone figures

Ratio	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Margins
Gross margin %	—	—	—	—	54.4%	57.8%	35.6%	—
EBITDA margin %	-32.5%	-17.3%	-0.6%	-4.1%	-4.7%	7.8%	27.8%	65.4%
EBIT margin %	-33.5%	-17.3%	-0.6%	-4.1%	-4.7%	7.8%	27.2%	63%
PAT margin %	-33%	5.8%	0.9%	-5.8%	-15.2%	7.8%	21.7%	39%
Working capital
Receivable days	—	—	—	—	—	—	—	—
Inventory days	—	—	—	—	267	406	0	0
Payable days	—	—	—	—	—	—	—	—
NWC days	—	—	—	—	—	—	—	—
Leverage
Current ratio	—	—	—	—	—	—	—	—
Debt to EBITDA	—	—	—	—	—	0	2.82	2.12
Debt to equity	—	—	—	—	0.06	0	0.24	0.67
Interest coverage	—	—	—	-1.9	-0.6	—	17.3	5.5
Asset turnover	—	—	—	—	0.14	0.05	0.24	0.27
Return ratios
Return on assets %	—	—	—	—	-2.1%	0.4%	5.2%	10.6%
Return on capital employed %	—	—	—	—	—	—	—	—
Return on equity %	—	—	—	—	-2.2%	0.4%	6.6%	18.7%

Derived from reported annual statements. ROCE uses EBIT over capital employed (total assets less current liabilities). Day counts average the opening and closing balance; receivables turn on revenue, inventory and payables on cost of goods sold.

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Shareholding

Quarterly ownership, named holders, insider transactions and disclosed deals.

Quarterly Annual

Every quarter filed · % of equity

Holder (%)	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	23.56%	23.56%	23.56%	23.56%	23.56%	14.5%	14.5%	14.5%	23.27%	23.27%	23.27%	23.27%
FII	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
DII	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Government	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
	76.44%	76.44%	76.44%	76.44%	76.44%	85.5%	85.5%	85.5%	76.73%	76.73%	76.73%	76.73%
No. of shareholders	—	—	—	—	—	—	—	—	7,721	8,162	8,316	8,389

Promoter holding down 0.29 percentage points since Sep 2023.

19 deals · 17 Jan 2023 – 24 Sept 2026

Date	Client	Type	Venue	Side	Quantity	Price	Value
24 Sept 2026	JOJU MADATHUMPADY JOHNY	Bulk	BSE	Buy	3,50,500	₹9.52	₹0.33 Cr
24 Sept 2026	SAJEETH MOHAMMED SALIM	Bulk	BSE	Sell	3,50,500	₹9.52	₹0.33 Cr
4 Mar 2026	DIVYA KANDA	Bulk	BSE	Sell	1,50,000	₹11.77	₹0.18 Cr
13 Nov 2025	DEEPAKKUMAR	Bulk	BSE	Buy	81,361	₹18.40	₹0.15 Cr
13 Aug 2025	HEENA GOPAL PARIANI	Bulk	BSE	Sell	80,000	₹15.56	₹0.12 Cr
13 Aug 2025	SUCCESS MERCHANTS PRIVATE LIMITED	Bulk	BSE	Buy	65,000	₹15.56	₹0.10 Cr
10 Jul 2025	THAIVALAPPIL DEVASSYKUTTY SHAJI	Bulk	BSE	Sell	66,511	₹37.54	₹0.25 Cr
10 Jul 2025	SUCCESS MERCHANTS PRIVATE LIMITED	Bulk	BSE	Sell	65,000	₹36.79	₹0.24 Cr
17 Jun 2025	RAMAKRISHNAN P	Bulk	BSE	Buy	1,00,000	₹35.06	₹0.35 Cr
17 Jun 2025	AMIT KUMAR JAIN	Bulk	BSE	Sell	85,153	₹35.06	₹0.30 Cr

1–10 of 19

1 / 2

Mr. JOHNY MADATHUMPADY LONAPPANExecutive Director-Chairperson
Mr. SIVADAS CHETOORNon-Executive - Independent Director
Mr. JOJU MADATHUMPADY JOHNYExecutive Director-MD
Ms. JULIE GEORGE VARGHESENon-Executive - Independent Director
Mr. VELAYUDHANPILLAI HARIKUMARNon-Executive - Independent Director
Mr. Justin Thomas OChief Financial Officer
Mrs. Vidya DamodaranCompany Secretary & Compliance Officer

Current officeholders as filed with BSE. A person holding two offices is listed once per office.

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F&O

Current futures and options contracts with compact option-chain pages.

Not in the F&O segment

Only about 210 stocks have listed futures and options. Contracts appear here for those, refreshed after each close.

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Fund holders

Mutual-fund schemes that disclosed a holding in the company.

No fund holdings on record

No scheme among the 32 fund houses on record reported a position in JMJ Fintech Ltd. Portfolios are published monthly by each AMC; coverage is still partial.

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Documents

Annual reports, exchange filings, offer documents, ratings and earnings-call material.

Announcements

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Events

Upcoming dates and the company’s corporate-action history.

2

Final dividend10 Sept 2026 · ex-date₹0.15
Final dividend18 Sept 2025 · ex-date₹0.25

1

Board meeting to consider results10 Aug 2026

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Announcements

Latest exchange announcements, filings and downloadable documents.

1 month 3 months 6 months 1 year All

50 announcementsExport CSV

25 Aug 2026, 3:55 pmCompany Update

Annual General Meeting To Be Held On 29Th September 2026.

General PDF

25 Aug 2026, 3:53 pmAGM/EGM

The Annual General Meeting Of JMJ Fintech Limited Is Rescheduled On 29Th September 2026.

AGM PDF

25 Aug 2026, 3:49 pmBoard Meeting

Board Meeting Intimation for Board Meeting To Be Held On 31St August 2026.

Exchange filing PDF

18 Aug 2026, 3:03 pmCompany Update

Reconstitution Of Various Committees

General PDF

18 Aug 2026, 3:00 pmCompany Update

Announcement under Regulation 30 (LODR)-Change in Directorate

Change in Directorate PDF

18 Aug 2026, 2:36 pmCorp. Action

Corporate Action-Board to consider Dividend

Dividend PDF

18 Aug 2026, 2:31 pmCorp. Action

Announcement under Regulation 30 (LODR)-Dividend Updates

Dividend Updates PDF

18 Aug 2026, 2:29 pmAGM/EGM

Annual General Meeting Of JMJ Fintech Limited Is Scheduled To Be Held On 17Th September 2026, Thursday.

AGM PDF

Date	Category	Subject	Filing
25 Aug 2026, 3:55 pm	Company Update General	Annual General Meeting To Be Held On 29Th September 2026.	PDF
25 Aug 2026, 3:53 pm	AGM/EGM AGM	The Annual General Meeting Of JMJ Fintech Limited Is Rescheduled On 29Th September 2026.

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JMJ Fintech Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Ratios

Shareholding

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

2

1

Announcements

Not in the F&O segment

No fund holdings on record

2

1

Announcements

Annual reports

Credit ratings

Compounded sales growth

Compounded profit growth

Return on equity

JMJ Fintech Ltd

About

Quick read

Pros

Cons

Research score

Revenue & net profit

Margins

Peers

Financials

Profit & loss

Balance sheet

Cash flow

Compounded returns

Ratios

Ratio timeline

Shareholding

Quarterly record

Bulk & block deals

Board and management

F&O

Not in the F&O segment

Fund holders

No fund holdings on record

Documents

Announcements

Events

Dividends2

Board meetings1

Announcements

Not in the F&O segment

Ratio timeline

No fund holdings on record

Dividends2

Board meetings1

Quarterly record

Bulk & block deals

Board and management

Announcements

Annual reports

Credit ratings

Profit & loss

Balance sheet

Cash flow

Compounded returns

Compounded sales growth

Compounded profit growth

Return on equity

2

1

2

1