JM Financial Ltd.

128.24-0.71%

2026-08-21

jmfl.comBSE: 523405NSE: JMFINANCIL
Market Cap₹ 12,101 Cr.
Current Price₹ 129
High / Low₹ 200 / 112
Stock P/E11.6
Book Value₹ 115
Price to Book1.02
Dividend Yield2.57 %
ROCE11.9 %
ROE11.6 %
Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Wealth and Asset Management: 32.2% • Private Markets: 28.6% • Corporate Advisory and Capital Markets: 20.9% • Affordable Home Loans: 10.0% • Treasury and others: 8.3%

PROS

  • Solid return on assets for a lender - ROA of 13.9%
  • Asset quality is healthy - gross NPA of just 0.5%
  • Company has consistently been profitable over the last 5 years
  • Company generates healthy free cash flow
  • Company has a consistent dividend-paying track record
  • Attractively priced for its growth - PEG of 0.6

CONS

  • Recent results are weak - TTM profit is down 19.9% versus prior year
  • Company has a low return on equity of 6.8% over last 3 years
  • Company has a low return on capital employed of 9.9%
  • A large part of profit comes from other income (26.0% of PBT)
  • Operating margins have contracted to 55.5% from 66.4%
  • Company has delivered a poor sales growth of 5.1% over past five years

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

Peer comparison

EDIT COLUMNS
S.No.NameCMP Rs.P/EMar Cap Rs.Cr.Div Yld %NP Qtr Rs.Cr.Qtr Profit Var %Sales Qtr Rs.Cr.Qtr Sales Var %ROCE %OPM %
1.BAJAJFINSV2010.0031.74322014.330.076296.6718.1542036.9092.2211.8840.79
2.AIIL549.8522.2646694.660.0011082.201075.1914695.401109.3730.2788.91
3.CHOLAHLDNG1558.3510.9629262.300.081788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13946.9514.3228217.610.621173.5873.7717076.1840.0119.3916.25
5.CGCL226.4019.3221783.170.09353.38102.041576.4762.1211.1868.54
6.MAHSCOOTER13359.100.0015267.541.653.32-90.615.41-81.521.0684.10
7.JSWHL11370.6091.8712620.940.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL126.4511.6312100.762.57368.57-19.661200.539.6911.9158.30
9.TSFINV414.7018.929210.652.69124.95-92.11305.57102.233.4753.35
10.RELIGARE230.10144.407932.320.00-46.98-674.862353.401051.7611.46-2.08
11.KAMAHOLD2440.108.417830.421.70584.0210.804657.567.0720.8622.01
12.PILANIINVS4285.350.004744.850.21-47.26-17.5514.44-70.701.41-9.33
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023
1,052
473
Operating Profit
OPM %
Other Income
14
Interest
366
Depreciation
12
230
Tax %
23.93%
Net Profit
0
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Sep 2023
1,179
535
Operating Profit
OPM %
Other Income
17
Interest
388
Depreciation
13
278
Tax %
26.05%
Net Profit
0
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Dec 2023
1,225
430
Operating Profit
OPM %
Other Income
25
Interest
400
Depreciation
14
417
Tax %
22.91%
Net Profit
0
3
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Mar 2024
1,251
580
Operating Profit
OPM %
Other Income
15
Interest
407
Depreciation
14
-572
Tax %
-17.96%
Net Profit
0
-2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Jun 2024
1,064
462
Operating Profit
OPM %
Other Income
17
Interest
370
Depreciation
16
245
Tax %
24.25%
Net Profit
187
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Sep 2024
1,171
700
Operating Profit
OPM %
Other Income
21
Interest
343
Depreciation
15
154
Tax %
6.39%
Net Profit
144
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Dec 2024
1,098
500
Operating Profit
OPM %
Other Income
14
Interest
318
Depreciation
16
287
Tax %
27.62%
Net Profit
207
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Mar 2025
986
426
Operating Profit
OPM %
Other Income
23
Interest
274
Depreciation
16
311
Tax %
24.54%
Net Profit
235
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Jun 2025
1,094
261
Operating Profit
OPM %
Other Income
10
Interest
251
Depreciation
17
593
Tax %
22.78%
Net Profit
459
5
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Sep 2025
1,009
426
Operating Profit
OPM %
Other Income
13
Interest
254
Depreciation
19
344
Tax %
25.98%
Net Profit
262
3
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Dec 2025
993
436
Operating Profit
OPM %
Other Income
127
Interest
248
Depreciation
20
400
Tax %
23.82%
Net Profit
318
3
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Mar 2026
946
458
Operating Profit
OPM %
Other Income
20
Interest
246
Depreciation
22
243
Tax %
34.45%
Net Profit
162
2
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Jun 2026
1,201
769
Operating Profit
OPM %
Other Income
24
Interest
247
Depreciation
22
455
Tax %
19.06%
Net Profit
369
0
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%
Equity Capital
96
Reserves
0
Promoter Pledge %
0.00%

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
2,159
582
Operating Profit
1,777
OPM %
82
Other Income
200
Interest
782
Depreciation
23
972
Tax %
34
Net Profit
637
EPS
6
Dividend Payout %
25
Minority Interest
-179
Share of Associates
12
Adjusted EPS
6
Minority Interest
-179
Share of Associates
12
Adjusted EPS
6
Mar 2018
3,054
770
Operating Profit
2,330
OPM %
76
Other Income
46
Interest
1,139
Depreciation
26
1,165
Tax %
33
Net Profit
783
EPS
7
Dividend Payout %
25
Minority Interest
-184
Share of Associates
2
Adjusted EPS
7
Minority Interest
-184
Share of Associates
2
Adjusted EPS
7
Mar 2019
3,549
813
Operating Profit
2,756
OPM %
78
Other Income
20
Interest
1,446
Depreciation
27
1,283
Tax %
35
Net Profit
836
EPS
7
Dividend Payout %
15
Minority Interest
-265
Share of Associates
1
Adjusted EPS
7
Minority Interest
-265
Share of Associates
1
Adjusted EPS
7
Mar 2020
3,432
934
Operating Profit
2,520
OPM %
73
Other Income
23
Interest
1,386
Depreciation
41
1,094
Tax %
29
Net Profit
778
EPS
6
Dividend Payout %
3
Minority Interest
-233
Share of Associates
0
Adjusted EPS
6
Minority Interest
-233
Share of Associates
0
Adjusted EPS
6
Mar 2021
3,197
1,015
Operating Profit
2,217
OPM %
69
Other Income
35
Interest
1,111
Depreciation
40
1,067
Tax %
24
Net Profit
806
EPS
6
Dividend Payout %
8
Minority Interest
-218
Share of Associates
2
Adjusted EPS
6
Minority Interest
-218
Share of Associates
2
Adjusted EPS
6
Mar 2022
3,707
1,296
Operating Profit
2,468
OPM %
67
Other Income
56
Interest
1,082
Depreciation
38
1,348
Tax %
26
Net Profit
992
EPS
8
Dividend Payout %
20
Minority Interest
-219
Share of Associates
0
Adjusted EPS
8
Minority Interest
-219
Share of Associates
0
Adjusted EPS
8
Mar 2023
3,272
1,467
Operating Profit
2,173
OPM %
66
Other Income
368
Interest
1,179
Depreciation
42
953
Tax %
26
Net Profit
709
EPS
6
Dividend Payout %
29
Minority Interest
-112
Share of Associates
0
Adjusted EPS
6
Minority Interest
-112
Share of Associates
0
Adjusted EPS
6
Mar 2024
4,761
2,018
Operating Profit
2,815
OPM %
59
Other Income
72
Interest
1,562
Depreciation
53
353
Tax %
92
Net Profit
28
EPS
4
Dividend Payout %
47
Minority Interest
379
Share of Associates
3
Adjusted EPS
4
Minority Interest
379
Share of Associates
3
Adjusted EPS
4
Mar 2025
4,378
2,098
Operating Profit
2,366
OPM %
54
Other Income
86
Interest
1,305
Depreciation
64
997
Tax %
23
Net Profit
772
EPS
9
Dividend Payout %
31
Minority Interest
48
Share of Associates
2
Adjusted EPS
9
Minority Interest
48
Share of Associates
2
Adjusted EPS
9
Mar 2026
4,091
1,822
Operating Profit
2,679
OPM %
65
Other Income
411
Interest
999
Depreciation
78
1,580
Tax %
26
Net Profit
1,177
EPS
13
Dividend Payout %
26
Minority Interest
1
Share of Associates
24
Adjusted EPS
13
Minority Interest
1
Share of Associates
24
Adjusted EPS
13
TTM
4,149
2,089
Operating Profit
OPM %
Other Income
184
Interest
995
Depreciation
84
1,443
Tax %
25
Net Profit
1,088
EPS
Dividend Payout %
Minority Interest
77
Share of Associates
23
Adjusted EPS
Minority Interest
77
Share of Associates
23
Adjusted EPS

COMPOUNDED SALES GROWTH

10 Years:
11%
5 Years:
5%
3 Years:
8%

COMPOUNDED PROFIT GROWTH

10 Years:
12%
5 Years:
15%
3 Years:
26%

STOCK PRICE CAGR

10 Years:
7%
5 Years:
7%
3 Years:
17%
1 Year:
-30%

RETURN ON EQUITY

10 Years:
13%
5 Years:
9%
3 Years:
7%
Last Year:
12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2026

Jun 12

₹ 1.75

Rs.1.7500 per share(175%)Final Dividend

2025

Nov 14

₹ 1.50

Rs.1.5000 per share(150%)Interim Dividend

2025

Jun 13

₹ 2.70

Rs.2.7000 per share(270%)Dividend

2024

Jun 7

₹ 2

Rs.2.0000 per share(200%)Final Dividend

2023

May 19

₹ 0.90

Rs.0.9000 per share(90%)Final Dividend

2022

Nov 24

₹ 0.90

Rs.0.9000 per share(90%)Interim Dividend

2022

Jul 7

₹ 1.14

Rs.1.1500 per share(114.9999%)Final Dividend

2022

Feb 17

₹ 0.50

Rs.0.5000 per share(50%)Interim Dividend

2021

May 28

₹ 0.50

Rs.0.5000 per share(50%)Dividend

2020

May 15

₹ 0.20

Rs.0.2000 per share(20%)Dividend

2018

May 10

₹ 1.10

Rs.1.1000 per share(110%)Final Dividend

2018

Jan 31

₹ 0.70

Rs.0.7000 per share(70%)Interim Dividend

2017

May 11

₹ 0.85

Rs.0.8500 per share(85%)Final Dividend

2017

Feb 2

₹ 0.65

Rs.0.6500 per share(65%)Interim Dividend

2016

May 23

₹ 0.85

Rs.0.8500 per share(85%)Final Dividend

2016

Feb 11

₹ 0.60

Rs.0.6000 per share(60%)Interim Dividend

Mar 2017
Equity Capital
79
3,229
5,378
Trade Payables
823
7,035
Total Liabilities
16,545
474
Capital Work in Progress
2
2,156
10
0
Cash & Bank
869
13,034
Total Assets
16,545
Total Debt
10,806
Net Working Capital
1,253
Contingent Liabilities
36
Book Value per Share
41.64
Face Value
1.00
Total Debt
10,806
Net Working Capital
1,253
Contingent Liabilities
36
Book Value per Share
41.64
Face Value
1.00
Mar 2018
Equity Capital
84
4,450
5,003
Trade Payables
345
12,325
Total Liabilities
22,206
427
Capital Work in Progress
3
2,388
0
0
Cash & Bank
1,527
17,861
Total Assets
22,206
Total Debt
14,988
Net Working Capital
15,264
Contingent Liabilities
37
Book Value per Share
54.11
Face Value
1.00
Total Debt
14,988
Net Working Capital
15,264
Contingent Liabilities
37
Book Value per Share
54.11
Face Value
1.00
Mar 2019
Equity Capital
84
5,020
3,884
Trade Payables
417
13,235
Total Liabilities
22,640
424
Capital Work in Progress
1
2,933
0
0
Cash & Bank
1,282
18,000
Total Assets
22,640
Total Debt
13,991
Net Working Capital
16,620
Contingent Liabilities
50
Book Value per Share
60.77
Face Value
1.00
Total Debt
13,991
Net Working Capital
16,620
Contingent Liabilities
50
Book Value per Share
60.77
Face Value
1.00
Mar 2020
Equity Capital
84
5,526
9,056
Trade Payables
440
5,640
Total Liabilities
20,746
450
Capital Work in Progress
1
4,014
0
0
Cash & Bank
1,329
14,951
Total Assets
20,746
Total Debt
11,756
Net Working Capital
9,835
Contingent Liabilities
57
Book Value per Share
66.69
Face Value
1.00
Total Debt
11,756
Net Working Capital
9,835
Contingent Liabilities
57
Book Value per Share
66.69
Face Value
1.00
Mar 2021
Equity Capital
95
6,878
2,698
Trade Payables
764
12,916
Total Liabilities
23,350
423
Capital Work in Progress
1
5,802
0
0
Cash & Bank
2,075
15,050
Total Assets
23,350
Total Debt
12,369
Net Working Capital
18,231
Contingent Liabilities
60
Book Value per Share
73.19
Face Value
1.00
Total Debt
12,369
Net Working Capital
18,231
Contingent Liabilities
60
Book Value per Share
73.19
Face Value
1.00
Mar 2022
Equity Capital
95
7,573
4,007
Trade Payables
846
13,052
Total Liabilities
25,574
414
Capital Work in Progress
3
3,639
0
0
Cash & Bank
2,560
18,958
Total Assets
25,574
Total Debt
13,460
Net Working Capital
18,690
Contingent Liabilities
58
Book Value per Share
80.37
Face Value
1.00
Total Debt
13,460
Net Working Capital
18,690
Contingent Liabilities
58
Book Value per Share
80.37
Face Value
1.00
Mar 2023
Equity Capital
95
8,024
3,252
Trade Payables
1,323
16,430
Total Liabilities
29,125
505
Capital Work in Progress
7
3,584
102
0
Cash & Bank
2,392
22,535
Total Assets
29,125
Total Debt
15,878
Net Working Capital
21,758
Contingent Liabilities
65
Book Value per Share
85.04
Face Value
1.00
Total Debt
15,878
Net Working Capital
21,758
Contingent Liabilities
65
Book Value per Share
85.04
Face Value
1.00
Mar 2024
Equity Capital
96
8,376
5,985
Trade Payables
1,314
13,719
Total Liabilities
29,490
572
Capital Work in Progress
4
4,724
143
424
Cash & Bank
5,382
18,241
Total Assets
29,490
Total Debt
16,145
Net Working Capital
2,762
Contingent Liabilities
69
Book Value per Share
88.65
Face Value
1.00
Total Debt
16,145
Net Working Capital
2,762
Contingent Liabilities
69
Book Value per Share
88.65
Face Value
1.00
Mar 2025
Equity Capital
96
9,596
4,692
Trade Payables
1,234
8,552
Total Liabilities
24,170
579
Capital Work in Progress
10
5,464
130
513
Cash & Bank
4,366
13,108
Total Assets
24,170
Total Debt
11,419
Net Working Capital
3,996
Contingent Liabilities
85
Book Value per Share
101.40
Face Value
1.00
Total Debt
11,419
Net Working Capital
3,996
Contingent Liabilities
85
Book Value per Share
101.40
Face Value
1.00
Mar 2026
Equity Capital
96
10,516
6,144
Trade Payables
2,181
7,340
Total Liabilities
26,278
625
Capital Work in Progress
160
6,209
128
1,306
Cash & Bank
4,669
13,181
Total Assets
26,278
Total Debt
11,522
Net Working Capital
3,337
Contingent Liabilities
91
Book Value per Share
110.96
Face Value
1.00
Total Debt
11,522
Net Working Capital
3,337
Contingent Liabilities
91
Book Value per Share
110.96
Face Value
1.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
-2,546
Cash from Investing
-366
Cash from Financing
2,424
-488
Free Cash Flow
-2,584
OCF / Net Profit
-4.00
Cumulative 5-Year FCF
0
OCF / Net Profit
-4.00
Cumulative 5-Year FCF
0
Mar 2018
-3,584
Cash from Investing
-708
Cash from Financing
4,540
247
Free Cash Flow
-3,584
OCF / Net Profit
-4.58
Cumulative 5-Year FCF
0
OCF / Net Profit
-4.58
Cumulative 5-Year FCF
0
Mar 2019
773
Cash from Investing
-148
Cash from Financing
-522
103
Free Cash Flow
755
OCF / Net Profit
0.92
Cumulative 5-Year FCF
0
OCF / Net Profit
0.92
Cumulative 5-Year FCF
0
Mar 2020
3,164
Cash from Investing
-901
Cash from Financing
-2,205
58
Free Cash Flow
3,101
OCF / Net Profit
4.07
Cumulative 5-Year FCF
0
OCF / Net Profit
4.07
Cumulative 5-Year FCF
0
Mar 2021
969
Cash from Investing
-2,249
Cash from Financing
1,296
16
Free Cash Flow
963
OCF / Net Profit
1.20
Cumulative 5-Year FCF
-1,349
OCF / Net Profit
1.20
Cumulative 5-Year FCF
-1,349
Mar 2022
-3,458
Cash from Investing
2,614
Cash from Financing
1,281
437
Free Cash Flow
-3,480
OCF / Net Profit
-3.48
Cumulative 5-Year FCF
-2,244
OCF / Net Profit
-3.48
Cumulative 5-Year FCF
-2,244
Mar 2023
-2,307
Cash from Investing
-592
Cash from Financing
2,160
-739
Free Cash Flow
-2,435
OCF / Net Profit
-3.26
Cumulative 5-Year FCF
-1,095
OCF / Net Profit
-3.26
Cumulative 5-Year FCF
-1,095
Mar 2024
3,635
Cash from Investing
-2,090
Cash from Financing
162
1,708
Free Cash Flow
3,529
OCF / Net Profit
132.09
Cumulative 5-Year FCF
1,679
OCF / Net Profit
132.09
Cumulative 5-Year FCF
1,679
Mar 2025
5,569
Cash from Investing
-2,475
Cash from Financing
-4,786
-1,692
Free Cash Flow
5,524
OCF / Net Profit
7.21
Cumulative 5-Year FCF
4,102
OCF / Net Profit
7.21
Cumulative 5-Year FCF
4,102
Mar 2026
581
Cash from Investing
-532
Cash from Financing
-116
-68
Free Cash Flow
325
OCF / Net Profit
0.49
Cumulative 5-Year FCF
3,463
OCF / Net Profit
0.49
Cumulative 5-Year FCF
3,463

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017
EPS (₹)
5.92
Book Value (₹)
41.64
Dividend per Share (₹)
1.50
Cash EPS (₹)
8.31
Operating Margin %
82.30%
Net Margin %
29.50%
ROE %
20.53%
ROCE %
14.79%
4.61%
Debtor Days
130
Inventory Days
23
Payable Days
0
152
Debt to Equity (x)
3.27x
Interest Coverage (x)
2.24x
1.16x
Revenue Growth %
44.45%
Operating Profit Growth %
45.03%
Net Profit Growth %
35.39%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2018
EPS (₹)
7.17
Book Value (₹)
54.11
Dividend per Share (₹)
1.80
Cash EPS (₹)
9.66
Operating Margin %
76.29%
Net Margin %
25.64%
ROE %
19.97%
ROCE %
13.69%
4.04%
Debtor Days
122
Inventory Days
0
Payable Days
0
122
Debt to Equity (x)
3.31x
Interest Coverage (x)
2.02x
3.71x
Revenue Growth %
41.44%
Operating Profit Growth %
31.12%
Net Profit Growth %
22.95%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2019
EPS (₹)
6.81
Book Value (₹)
60.77
Dividend per Share (₹)
1.00
Cash EPS (₹)
10.28
Operating Margin %
77.67%
Net Margin %
23.57%
ROE %
17.36%
ROCE %
14.12%
3.73%
Debtor Days
79
Inventory Days
0
Payable Days
0
79
Debt to Equity (x)
2.74x
Interest Coverage (x)
1.89x
4.54x
Revenue Growth %
16.20%
Operating Profit Growth %
18.29%
Net Profit Growth %
6.82%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2020
EPS (₹)
6.48
Book Value (₹)
66.69
Dividend per Share (₹)
0.20
Cash EPS (₹)
9.73
Operating Margin %
73.44%
Net Margin %
22.66%
ROE %
14.52%
ROCE %
13.58%
3.58%
Debtor Days
54
Inventory Days
0
Payable Days
0
54
Debt to Equity (x)
2.10x
Interest Coverage (x)
1.79x
2.01x
Revenue Growth %
-3.29%
Operating Profit Growth %
-8.55%
Net Profit Growth %
-7.05%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2021
EPS (₹)
6.19
Book Value (₹)
73.19
Dividend per Share (₹)
0.50
Cash EPS (₹)
8.88
Operating Margin %
69.35%
Net Margin %
25.21%
ROE %
12.81%
ROCE %
11.85%
3.66%
Debtor Days
48
Inventory Days
0
Payable Days
0
48
Debt to Equity (x)
1.77x
Interest Coverage (x)
1.96x
5.61x
Revenue Growth %
-6.83%
Operating Profit Growth %
-12.02%
Net Profit Growth %
3.67%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2022
EPS (₹)
8.10
Book Value (₹)
80.37
Dividend per Share (₹)
1.65
Cash EPS (₹)
10.80
Operating Margin %
66.56%
Net Margin %
26.77%
ROE %
13.56%
ROCE %
11.99%
4.06%
Debtor Days
50
Inventory Days
0
Payable Days
0
50
Debt to Equity (x)
1.76x
Interest Coverage (x)
2.25x
4.39x
Revenue Growth %
15.94%
Operating Profit Growth %
11.28%
Net Profit Growth %
23.11%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2023
EPS (₹)
6.26
Book Value (₹)
85.04
Dividend per Share (₹)
1.80
Cash EPS (₹)
7.86
Operating Margin %
66.42%
Net Margin %
21.66%
ROE %
8.98%
ROCE %
9.44%
2.59%
Debtor Days
96
Inventory Days
11
Payable Days
0
107
Debt to Equity (x)
1.96x
Interest Coverage (x)
1.81x
5.17x
Revenue Growth %
-11.75%
Operating Profit Growth %
-11.94%
Net Profit Growth %
-28.58%
0.00%
P/E (x)
0.00x
P/B (x)
0.00x
Dividend Yield %
0.00%
0.00x
Mar 2024
EPS (₹)
4.29
Book Value (₹)
88.65
Dividend per Share (₹)
2.00
Cash EPS (₹)
0.84
Operating Margin %
57.62%
Net Margin %
0.58%
ROE %
0.33%
ROCE %
7.87%
0.09%
Debtor Days
63
Inventory Days
9
Payable Days
0
72
Debt to Equity (x)
1.91x
Interest Coverage (x)
1.23x
1.33x
Revenue Growth %
45.52%
Operating Profit Growth %
29.53%
Net Profit Growth %
-96.12%
-31.44%
P/E (x)
17.38x
P/B (x)
0.84x
Dividend Yield %
2.68%
6.35x
Mar 2025
EPS (₹)
8.59
Book Value (₹)
101.40
Dividend per Share (₹)
2.70
Cash EPS (₹)
8.74
Operating Margin %
52.08%
Net Margin %
17.64%
ROE %
8.50%
ROCE %
10.06%
2.88%
Debtor Days
39
Inventory Days
11
Payable Days
0
50
Debt to Equity (x)
1.18x
Interest Coverage (x)
1.76x
1.55x
Revenue Growth %
-8.05%
Operating Profit Growth %
-15.96%
Net Profit Growth %
2705.23%
100.36%
P/E (x)
11.18x
P/B (x)
0.95x
Dividend Yield %
2.81%
6.86x
Mar 2026
EPS (₹)
12.57
Book Value (₹)
110.96
Dividend per Share (₹)
3.25
Cash EPS (₹)
13.12
Operating Margin %
55.45%
Net Margin %
28.77%
ROE %
11.59%
ROCE %
11.91%
4.67%
Debtor Days
81
Inventory Days
11
Payable Days
0
93
Debt to Equity (x)
1.09x
Interest Coverage (x)
2.58x
1.35x
Revenue Growth %
-6.55%
Operating Profit Growth %
13.26%
Net Profit Growth %
52.45%
46.26%
P/E (x)
9.04x
P/B (x)
1.02x
Dividend Yield %
2.86%
6.61x

Shareholding Pattern

Numbers in percentages

TRADES
Jun 2024
56.43
16.83
8.63
Government
0.00
18.11
Sep 2024
56.43
15.31
8.57
Government
0.00
19.69
Dec 2024
56.43
17.02
7.20
Government
0.00
19.36
Mar 2025
56.50
17.48
7.07
Government
0.00
18.95
Jun 2025
56.51
17.69
6.53
Government
0.00
19.28
Sep 2025
56.60
18.38
5.61
Government
0.00
19.41
Dec 2025
56.90
17.71
5.76
Government
0.00
19.63
Mar 2026
57.07
17.16
5.88
Government
0.00
19.90
Jun 2026
57.03
16.95
5.50
Government
0.00
20.53

Documents

Announcements

  • General Updates

    2026-08-20 - JM Financial Limited has informed the Exchange about the ESG Rating provided by ESG Risk Assessments & Insights Limited

  • Copy of Newspaper Publication

    2026-08-11 - JM Financial Limited has informed the Exchange about Copy of Newspaper Publication

Credit Ratings

  • Credit Rating- Others

    2026-01-01 - JM Financial Limited has informed the Exchange about reaffirmation of ratings assigned to the Company.

Concalls