Jindal Poly Investment and Finance Company Ltd.

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jindalgroup.comBSE: 536773NSE: JPOLYINVST

Market Cap₹ 1,048 Cr.

Current Price

High / Low₹ 1,488 / 852

Stock P/E1.3

Book Value₹ 1,534

Price to Book0.47

Dividend Yield0.00 %

ROCE12.8 %

ROE14.2 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Solid return on assets for a lender - ROA of 7.5%
Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 98.8% from 53.5%
Company generates healthy free cash flow

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Effective tax rate is unusually low at -9.6% - earnings may be flattered
Thin net interest margin of 0.0%
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Investment

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJFINSV	1971.00	31.13	315766.29	0.08	6296.67	18.15	42036.90	92.22	11.88	40.79
2.	AIIL	518.75	21.00	44053.57	0.00	11082.20	1075.19	14695.40	1109.37	13.63	88.91
3.	CHOLAHLDNG	1525.40	10.73	28643.57	0.09	1788.99	42.04	11113.57	42.92	10.52	57.53
4.	TVSHLTD	13394.05	13.75	27098.98	0.64	1173.58	73.77	17076.18	40.01	19.39	16.25
5.	CGCL	280.50	23.93	26988.42	0.07	353.38	102.04	1576.47	62.12	11.68	68.54
6.	MAHSCOOTER	13585.75	55.75	15526.57	1.62	3.32	-90.61	5.41	-81.52	1.06	84.10
7.	JSWHL	11516.95	93.05	12783.38	0.00	24.54	-92.74	34.58	14.97	0.58	92.45
8.	JMFINANCIL	132.10	12.15	12641.44	2.46	368.57	-19.66	1200.53	9.69	11.91	58.30
9.	TSFINV	404.70	18.46	8988.54	2.76	124.95	-92.11	305.57	102.23	3.47	53.35
10.	RELIGARE	257.05	161.31	8861.38	0.00	-46.98	-674.86	2353.40	1051.76	4.71	-2.08
11.	KAMAHOLD	2349.00	8.10	7538.08	1.76	584.02	10.80	4657.56	7.07	20.86	22.01
12.	JPOLYINVST	997.20	1.30	1048.25	0.00	138.90	121.32	88.30	957.49	12.83	175.20

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	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
	7	7	7	14	8	8	8	8	8	19	962	47	9
	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Profit	7	7	7	14	8	8	8	8	8	19	962	47	15
OPM %	98.64%	98.93%	98.66%	99.13%	99.02%	99.74%	98.85%	98.60%	99.04%	99.95%	100.00%	99.73%	175.20%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	7	7	7	13	8	7	7	7	8	19	961	47	15
Tax %	8.99%	9.84%	9.46%	2.10%	9.86%	9.57%	9.41%	-380.68%	14.81%	20.43%	14.30%	14.65%	8.32%
Net Profit	0	0	0	0	559	1,398	334	666	628	575	702	35	14
	40	52	96	94	53	133	32	63	60	55	668	33	1

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	0	1,495	244	1	1	1	2,464	3,106	36	32	1,037
	1	1,297	514	204	104	47	1,200	1,996	0	0	1
Operating Profit	-1	198	-270	-203	-103	-46	1,265	1,110	36	31	1,036
OPM %	—	13.25%	-110.60%	-21031.32%	-10667.80%	-4766.46%	51.32%	35.75%	98.90%	98.79%	99.93%
	0	62	-157	-1	39	68	433	31	0	0	0
Interest	0	738	206	41	46	53	109	114	1	1	1
Depreciation	0	174	34	0	0	0	225	280	0	0	0
Profit before Tax	-1	-651	-667	-244	-110	-31	1,537	751	298	270	1,042
Tax %	-5.51%	33.22%	8.08%	-0.01%	-0.27%	-0.48%	6.15%	33.70%	0.76%	-9.56%	14.34%
Net Profit	-1	-435	-613	-244	-110	-31	1,443	498	296	296	893
EPS	0.00	0.00	0.00	0.00	0.00	-15.22	756.66	267.40	281.18	281.44	—
Dividend Payout %	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:: —
5 Years:: 101%
3 Years:: -77%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: -28%

STOCK PRICE CAGR

10 Years:: 28%
5 Years:: 89%
3 Years:: 28%
1 Year:: 7%

RETURN ON EQUITY

10 Years:: -901%
5 Years:: 35%
3 Years:: 16%
Last Year:: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	11	11	11	11	11	11	11	11	11	11
Minority Interest	0	769	0	-191	-207	-222	1,832	0	0	0
	559	52	-59	-112	-206	-210	2,445	2,346	2,642	1,514
	0	5,425	0	460	472	726	1,930	27	27	27
Trade Payables	0	629	0	0	0	0	548	0	0	0
	0	249	690	326	373	200	592	38	42	17
Total Liabilities	570	7,135	642	494	442	505	7,358	2,422	2,721	1,569
	4	6,606	9	9	9	9	5,836	0	0	0
	540	94	403	421	384	446	55	2,422	2,721	1,568
	0	100	0	0	0	0	471	0	0	0
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	0	149	0	1	1	2	406	0	0	0
	26	185	229	63	48	47	590	0	0	0
Total Assets	570	7,135	642	494	442	505	7,358	2,422	2,721	1,569

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-1	761	-1	-0	-2	0	711	1,093	-1	1
Cash from Investing	0	46	1	1	2	-1	-179	22	1	0
Cash from Financing	0	-802	-0	0	0	0	-352	-1,026	-0	-1
	-0	4	-0	1	-0	-0	181	81	0	-0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	-19.45	-377.54	-665.69	-129.02	-89.32	-15.22	756.66	267.40	281.18	281.44
Book Value (₹)	542.11	58.94	-46.04	-96.36	-185.68	-189.62	2336.23	2242.21	2523.22	1450.26
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	-0.60	-247.92	-550.72	-232.25	-104.57	-29.51	1586.24	740.40	281.18	281.44
PROFITABILITY
Operating Margin %	0.00%	17.42%	-109.99%	-19087.69%	-6575.18%	2239.76%	53.49%	36.88%	98.90%	98.79%
Net Margin %	0.00%	-29.09%	-251.39%	0.00%	0.00%	-3184.38%	58.55%	16.04%	819.97%	933.69%
ROE %	-0.11%	-137.68%	-9048.85%	0.00%	0.00%	0.00%	127.88%	20.70%	11.80%	14.17%
ROCE %	-0.10%	2.67%	-15.22%	-53.54%	-11.66%	4.24%	67.01%	25.57%	11.82%	12.83%
	-0.11%	-11.29%	-15.77%	-42.98%	-23.48%	-6.55%	36.70%	10.19%	11.49%	13.79%
EFFICIENCY
Debtor Days	0	17	51	76	66	0	70	0	0	0
Inventory Days	0	24	0	0	0	0	70	0	0	0
Payable Days	0	116	878	0	0	0	235	66	0	0
	0	-75	-827	76	66	0	-96	-66	0	0
FINANCIAL HEALTH
Debt to Equity (x)	0.00x	93.97x	-4.65x	-6.76x	-3.57x	-3.64x	0.79x	0.01x	0.01x	0.02x
Interest Coverage (x)	-318.41x	0.12x	-2.24x	-5.02x	-1.37x	0.41x	15.14x	7.58x	201.24x	183.00x
	167.89x	0.24x	0.27x	0.07x	0.01x	0.02x	0.76x	0.02x	0.01x	0.01x
GROWTH
Revenue Growth %	0.00%	0.00%	-83.69%	-99.60%	-0.26%	1.23%	0.00%	26.04%	-98.84%	-12.10%
Operating Profit Growth %	-301.96%	0.00%	-202.98%	31.35%	65.64%	134.48%	5940.23%	-13.10%	-96.88%	-12.39%
Net Profit Growth %	-292.16%	0.00%	-41.00%	60.19%	54.97%	71.78%	4750.39%	-65.47%	-40.67%	0.09%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.15%	0.09%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.21x	2.44x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.25x	0.47x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	19.04x	23.96x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.63	74.63	74.63	74.63	74.63	74.63	74.63	74.63	74.63
	0.10	0.13	0.20	0.12	0.12	0.12	0.12	0.19	0.10
	0.44	0.44	0.53	0.45	0.44	0.44	0.44	0.44	0.45
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	24.83	24.80	24.65	24.80	24.81	24.81	24.81	24.74	24.83

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-08-29

Copy of Newspaper Publication

2026-08-29 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-27

Shareholders meeting

2026-08-27 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026

2026-08-24

Copy of Newspaper Publication

2026-08-24 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-15

Copy of Newspaper Publication

2026-08-15 - Jindal Poly Investment and Finance Company Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-13

Updates

2026-08-13 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding 'Intimation of 14th Annual General Meeting'.

2026-08-13

Record Date

2026-08-13 - Jindal Poly Investment and Finance Company Limited has informed the Exchange that Record date for the purpose of Meeting is 14-Sep-2026.

2026-08-13

Outcome of Board Meeting

2026-08-13 - Jindal Poly Investment and Finance Company Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.

2026-08-06

Outcome of Board Meeting

2026-08-06 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Outcome of Board Meeting held on August 06, 2026.

2026-08-06

Change in Director(s)

2026-08-06 - Jindal Poly Investment and Finance Company Limited has informed the Exchange regarding Change in Director(s) of the company.

News

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