Check Before You Invest : JMJ Fintech Ltd

Q: Which industry/sub-sector does JMJ Fintech Ltd belong to?

JMJ Fintech Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is JMJ Fintech Ltd a good quality company?

JMJ Fintech Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is JMJ Fintech Ltd undervalued or overvalued?

JMJ Fintech Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 6.19, Historic Median: 9.82. Price to Book, Current: 0.74, Historic Median: 1.62. Price to Sales, Current: 1.79, Historic Median: 5.10. EV to EBITDA, Current: 1.75, Historic Median: 4.14

Q: Is JMJ Fintech Ltd a good buy now?

JMJ Fintech 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

Q: Total Income growth of JMJ Fintech Ltd?

JMJ Fintech Ltd Operating Income growth is 129.67% for FY-2025, which is above its 5-year CAGR of 51.02%, indicating faster growth.

Q: Return on Assets of JMJ Fintech Ltd?

JMJ Fintech Ltd Return on Asset is 13.7%, which is above its 5-year historical median of 6%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 30.2, Historic Median: 21.82. PPOP (%), Current: 153.49, Historic Median: 153.49. RoA (%), Current: 13.7, Historic Median: 6

Q: Return on Equity (ROE) of JMJ Fintech Ltd?

JMJ Fintech Ltd Return on Equity is 26.4% for FY-2025, which is above its 5-year historical median of 6.8%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of JMJ Fintech Ltd?

JMJ Fintech Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 153.49% for FY-2025, which is in line with its 5-year median(153.49%), indicating stable margins.

Q: Net Profit Margin of JMJ Fintech Ltd?

JMJ Fintech Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 30.2% for FY-2025, which is above its 5-year median( 21.82%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

JMJ Fintech Ltd return on invested capital (ROIC) is 17.78% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Snapshot

Q.1 Which industry/sub-sector does JMJ Fintech Ltd belong to?

JMJ Fintech Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is JMJ Fintech Ltd a good quality company?

JMJ Fintech Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is JMJ Fintech Ltd undervalued or overvalued?

JMJ Fintech Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	6.19	9.82
Price to Book	0.74	1.62
Price to Sales	1.79	5.10
EV to EBITDA	1.75	4.14

Q.4 Is JMJ Fintech Ltd a good buy now?

JMJ Fintech 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

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of JMJ Fintech Ltd?

JMJ Fintech Ltd Operating Income growth is 129.67% for FY-2025, which is above its 5-year CAGR of 51.02%, indicating faster growth.

Q.2 Return on Assets of JMJ Fintech Ltd?

JMJ Fintech Ltd Return on Asset is 13.7%, which is above its 5-year historical median of 6%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	30.2	21.82
PPOP (%)	153.49	153.49
RoA (%)	13.7	6

Q.3 Return on Equity (ROE) of JMJ Fintech Ltd?

JMJ Fintech Ltd Return on Equity is 26.4% for FY-2025, which is above its 5-year historical median of 6.8%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of JMJ Fintech Ltd?

JMJ Fintech Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 153.49% for FY-2025, which is in line with its 5-year median(153.49%), indicating stable margins.

Q.5 Net Profit Margin of JMJ Fintech Ltd?

JMJ Fintech Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 30.2% for FY-2025, which is above its 5-year median( 21.82%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

JMJ Fintech Ltd return on invested capital (ROIC) is 17.78% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of JMJ Fintech Ltd?

JMJ Fintech Ltd Total Asset growth is 75.07% for FY-2025, which is above its 5-year CAGR of 27.89%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of JMJ Fintech Ltd?

JMJ Fintech Ltd Capital Adequacy ratio (CAR) is 80.13% for FY-2025, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of JMJ Fintech Ltd?

Q.1 Promoter shareholding and pledge status of JMJ Fintech Ltd?

Promoters hold 23.27% of the JMJ Fintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does JMJ Fintech Ltd performance compare with that of its Peers?

Q.1 AUM Growth of JMJ Fintech Ltd vs Industry Peers?

JMJ Fintech Ltd AUM CAGR is 27.89%, compared to the 5-year industry median CAGR of 9.71%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of JMJ Fintech Ltd vs industry peers

JMJ Fintech Ltd profit metrics are above the industry median level of 4.76%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	30.2	12.87
PPOP (%)	153.49	-
RoA (%)	13.7	1.4

Q.3 Operating efficiency of JMJ Fintech Ltd vs industry peers?

JMJ Fintech Ltd ROCE (8.6) is above the industry median of (4.15); while the current ROE (6.8) are above than the 5-year average Industry ROE (2.3). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	30.2	12.87
PPOP (%)	153.49	-
RoA (%)	13.7	1.4
ROCE (%)	31.3	4.15
ROE (%)	26.4	2.3

Valuation & price assessment

Q.1 Stock return of JMJ Fintech Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of -23.7% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-23.7%	48.6%	9%	-14.6%

Q.2 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	6.19	9.82	29.12
Price to Book	0.74	1.62	1.11
Price to Sales	1.79	5.10	9.10
EV to EBITDA	1.75	4.14	11.77

Q.3 Valuation ratios of JMJ Fintech Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.74 is lower than its historical median of 1.62, indicating that the stock is trading below its historical average valuation.

Check more companies

1. Tata Invest Corp

2. Manappuram Finance

3. CreditAccess Grameen

4. IIFL Finance

5. Five Star Business

6. Edelweiss Financial

7. SBFC Finance

8. Bengal & Assam

9. MAS Financial Serv

10. Fedbank Financial

Check trending companies

1. Tanla Platforms Ltd.

2. Delhivery Ltd.

3. TVS Motor Company Ltd.

4. Graphite India Ltd.

5. Narayana Hrudayalaya Ltd.