KJMC Financial Services Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Asset quality is healthy - gross NPA of just 0.0%
- Latest quarter profit grew 65.0% YoY, showing strong momentum
- Operating margins have improved to 43.7% from 25.3%
- Company has delivered good sales growth of 22.3% CAGR over last 5 years
- Company generates healthy free cash flow
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Company has a low return on capital employed of 1.1%
- Company has a low return on equity of 0.1% over last 3 years
- A large part of profit comes from other income (34.0% of PBT)
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| KJMCFIN | 60.65 | 12.16 | 29.03 | 1.65 | 1.79 | 65.00 | 3.38 | 58.59 | 1.37 | 82.50 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 1 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 1 | 1 | 1 | 3 | |
| 1 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | 0 | 1 | 1 | 1 | 1 | 1 | 0 | -0 | 2 | 1 | 1 | 0 | 3 |
| OPM % | 105.71% | 164.81% | 364.29% | 288.89% | 54.43% | 281.25% | 103.12% | -88.64% | 76.53% | 157.63% | 144.26% | 29.41% | 82.50% |
| 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 |
| 0 | 1 | 0 | 0 | 1 | 1 | 0 | -1 | 1 | 1 | 0 | -0 | 2 | |
| Tax % | 81.82% | 13.89% | 30.56% | 68.00% | 10.77% | 35.04% | 16.67% | 17.54% | 24.48% | 23.26% | 42.11% | -8.00% | 26.68% |
| Net Profit | 0 | 0 | 0 | 0 | 1 | 1 | 0 | -0 | 1 | 1 | 0 | -0 | 2 |
| 0 | 124 | 1 | 0 | 1 | 2 | 0 | -1 | 2 | 1 | 0 | -1 | 0 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 3 | 7 | 2 | 2 | 2 | 4 | 3 | 5 | 5 | 5 | |
| 1 | 2 | 5 | 2 | 2 | 3 | 3 | 3 | 2 | 3 | 3 | |
| Operating Profit | 1 | 1 | 2 | 0 | -1 | -1 | 1 | 0 | 2 | 2 | 2 |
| OPM % | 38.48% | 26.63% | 26.00% | 18.93% | -35.05% | -87.28% | 19.95% | 2.50% | 46.52% | 43.70% | 42.15% |
| 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | |
| Interest | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 1 | 0 | 1 | -1 | -2 | -2 | -0 | -1 | 1 | 1 | 3 |
| Tax % | -2.15% | -33.24% | 17.33% | -3.95% | 1.24% | 22.19% | -193.05% | -40.20% | 32.90% | 29.74% | 30.06% |
| Net Profit | 1 | 0 | 1 | -1 | -2 | -2 | -1 | -1 | 1 | 1 | 2 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | -3.44 | -3.20 | -1.06 | -1.93 | 1.80 | 1.77 | — |
| 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:
- 14%
- 5 Years:
- 22%
- 3 Years:
- 11%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 14%
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 0%
- 5 Years:
- -1%
- 3 Years:
- 0%
- Last Year:
- 1%
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 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 |
| 10 | 10 | 11 | 22 | 22 | 67 | 80 | 79 | 127 | 168 | |
| 3 | 12 | 13 | 13 | 14 | 5 | 6 | 8 | 7 | 4 | |
| -1 | -1 | -1 | 2 | 1 | 7 | 5 | 5 | 10 | 21 | |
| Total Liabilities | 17 | 26 | 28 | 43 | 42 | 83 | 96 | 97 | 149 | 198 |
| 1 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | |
| 12 | 19 | 18 | 26 | 26 | 75 | 87 | 87 | 142 | 194 | |
| Cash & Bank | 0 | 0 | 0 | 7 | 7 | 0 | 0 | 0 | 0 | 0 |
| 3 | 5 | 8 | 9 | 9 | 8 | 8 | 9 | 6 | 3 | |
| Total Assets | 17 | 26 | 28 | 43 | 42 | 83 | 96 | 97 | 149 | 198 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 0 | -2 | -1 | 0 | -1 | 1 | -1 | -4 | 3 | 1 | |
| Cash from Investing | 0 | -7 | 1 | 8 | 2 | 3 | 2 | 1 | -2 | 2 |
| Cash from Financing | -0 | 8 | 0 | -1 | -0 | -10 | -0 | 3 | -2 | -4 |
| 0 | -0 | 0 | 7 | 0 | -7 | 0 | 0 | -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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for KJMCFIN
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KJMC Financial Services Ltd.
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