1. Is JM Financial Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that JM Financial Ltd is a below average quality company.
2. Is JM Financial Ltd undervalued or overvalued?
The key valuation ratios of JM Financial Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is JM Financial Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of JM Financial Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||24.1||11.1||21||29.6||35.1||47.3||299||164||264||346||589|
|YoY Gr. Rt. %||-||-53.9%||88.7%||41.1%||18.6%||34.8%||531.8%||-45.1%||61.1%||31.1%||-|
|Adj EPS (₹ )||0.6||0.6||0.9||1||1.4||1.3||2.3||1.3||1.5||1.8||3.6|
|YoY Gr. Rt. %||-||5.3%||56.7%||6.4%||42%||-5.6%||70.9%||-41.9%||13.5%||21.9%||-|
|BVPS (₹ )||21.6||21.2||21.1||20.7||20.7||21.5||29.4||29.1||30.2||36.5||39.1|
|YoY Gr. Rt. %||-||-1.6%||-0.3%||-2.1%||0.1%||3.8%||36.8%||-1%||3.7%||20.7%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||2.4||2.5||4||4.2||5.3||4.9||8.1||4.2||4.6||5.3||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||34.5%||58.1%||5.1%||31.1%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'12||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0||0||0||0||0||0||0||0||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||0||0||0||92.4||77.9||90.1||0||0||0||0||-|
|Net Profit Margin (%)||176.4||403.9||339.2||264.3||320.1||225.8||64.2||67.9||48.2||50.6||58.1|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||2.6||2.8||4.5||4.9||6.9||6.4||9.2||4.5||5.1||5.8||9.2|
Return on Equity has increased versus last 3 years average to 9.50%
Total Income has increased 5.05 CAGR in last 3 years
Total income growth is good in last 4 quarters
Net Profit has declined -7.03 CAGR in last 3 years
|TTM EPS (₹)||3.6||8.1|
|TTM Sales (₹ Cr.)||589||3,293|
|BVPS (₹.) ⓘ||39.1||79.6|
|Reserves (₹ Cr.) ⓘ||3,635||7,499|
|From the Market|
|52 Week Low / High (₹)||60.20 / 117.55|
|All Time Low / High (₹)||0.04 / 190.95|
|Market Cap (₹ Cr.)||6,266|
|Equity (₹ Cr.)||95.4|
|Face Value (₹)||1|
|Industry PE ⓘ||62.5|
JM Financial incorporated on January 30, 1986, is a financial services company. The company was incorporated under the name JM Share & Stock Brokers (JMSSB). The name of the company was changed to present one on October 29, 2004. It has pioneered several strategies and transactions for a wide client base spread across geographies and thus developed rich experience and expertise. Every idea is unique to the need of the client and supported by superior execution to deliver maximum benefits. In the course of company’s journey, it has partnered with several top Indian and International corporate houses and gained their trust and confidence. Its well established processes ensure total confidentiality for all its clients, thereby giving them absolute confidence on conflict management and maintenance of confidentiality.
Business area of the company
JM Financial is one of India’s prominent financial services groups, specialising in providing a spectrum of businesses to corporations, financial institutions, high net-worth individuals and retail investors. It is known for its diverse businesses which comprises of (a) Investment Banking, Wealth Management and Securities (IWS) which includes fee and fund based activities for its clients; (b) Mortgage Lending which includes both wholesale mortgage lending and retail mortgage lending (home loans, education institutions lending and LAP); (c) Distressed credit which includes the Asset Reconstruction business and (d) Asset Management which includes the mutual fund business.
Awards & Recognition
Key events and milestones