Check Before You Invest : Jhaveri Credits & Capital Ltd

BSE: 531550 NSE: ISIN: INE865D01012

| Sector: BFSI | Industry: Finance - Stock Broking

Snapshot

Q.1 Which industry/sub-sector does Jhaveri Credits & Capital Ltd belong to?

Jhaveri Credits & Capital Ltd belongs to the BFSI sector, operating specifically within the Finance - Stock Broking segment.

Q.2 Is Jhaveri Credits & Capital Ltd a good quality company?

Jhaveri Credits & Capital Ltd is a weak quality company, based on a inconsistent 10-year financial track record.

Q.3 Is Jhaveri Credits & Capital Ltd undervalued or overvalued?

Jhaveri Credits & Capital Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Jhaveri Credits & Capital Ltd a good buy now?

Jhaveri Credits & Capital Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Revenue growth of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd revenue growth is -11% for FY-2025, which is below its 5-year CAGR of 112.34%, indicating slower growth.

Q.2 Return on capital employed (ROCE) of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Return on capital employed is 3.2% for FY-2025, which is below its 5-year historical median of 5.5%. The current ROCE is below its estimated weighted average cost of capital (WACC) of 14%, indicating value preservation.

Q.3 Return on Asset of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Return on Asset is 2.7%, which is in line with its 5-year historical median of 2.7%, indicating stable asset utilization efficiency.

Q.4 Return on Equity (ROE) of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Return on equity is 2.9% for FY-2025, which is below its 5-year historical median of 3.6%, indicating the business is making worse use of its shareholders capital.

Q.5 Cash conversion cycle of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Cash conversion cycle is 178 days, above its 5-year historical median of 101 days, indicating deteriorated working capital management. However, you need to compare this with its peers in the industry.

	Current Level	5-year Historic Median
Asset Turnover	0.26	0.54
ROE	2.9	3.6
ROCE	3.2	5.5
Cash Conversion Cycle	178 days	101 days

Q.6 Gross Profit margin of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Gross profit margin which is the profit after deduction of direct costs, is 14.4% for FY-2025, which is above its 5-year median of 7.1%, indicating increasing margins.

Q.7 Operating Profit Margin of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 14.42% for FY-2025, which is above its 5-year median of 7.59% indicating increasing margins.

Q.8 Net Profit Margin of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Net Profit Margin is 10.34% for FY-2025, is above with its 5-year median of 6.15%, indicating increasing margins.

	Current Level	5-year Historic Median
Gross Profit Margin	14.4	7.1
Operating Profit Margin	14.42	7.59
Net Profit Margin	10.34	6.15

Q.9 Debt to Equity ratio of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Debt-to-Equity ratio is 0.00, which is lower with the industry average of 0.11, indicating lower debt levels in the industry.

Q.10 Debt to cash flow from operations of Jhaveri Credits & Capital Ltd?

Jhaveri Credits & Capital Ltd Debt to cash flow from operations is 0, which is at a healthy level.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Jhaveri Credits & Capital Ltd?

Promoters hold 50.91% of the Jhaveri Credits & Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of Jhaveri Credits & Capital Ltd vs industry peers?

Jhaveri Credits & Capital Ltd revenue CAGR is 112.34%, compared to the industry median CAGR of 18.37%, indicating faster growth and gaining its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth	-11	18.4
Gross Profit Growth	-	24.6
Operating Profit Growth	-	28.8
Net Profit Growth	-	NAN

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover	0.26	0.26
ROE	2.9	8.05
ROCE	3.2	10.2
Cash Conversion Cycle (days)	177.86	-107

Valuation & price assessment

Q.1 Stock return of Jhaveri Credits & Capital Ltd over the last decade?

Over the last 9 year(s), the stock has delivered a CAGR of 43.2% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	43.2%	133.3%	31.9%	-12.2%

Q.3 Valuation ratios of Jhaveri Credits & Capital Ltd vs historical?

The current P/E is higher that its historical median.

Q.4 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	132.3	82.53	20.01
Price to Book	1.72	2.22	1.64
Price to Sales	3.49	7.86	5.20
EV to EBITDA	72.63	47.97	6.89

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