Is JJ Finance Corporation Ltd (523062) a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that JJ Finance Corporation Ltd is a below average quality company .

Is JJ Finance Corporation Ltd (523062) undervalued or overvalued?

The key valuation ratios of JJ Finance Corporation Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is JJ Finance Corporation Ltd (523062) share price return in the past 10 years?

JJ Finance Corporation Ltd share price has appreciated 10.9% annually (CAGR) over the past ten years.

Is JJ Finance Corporation Ltd (523062) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of JJ Finance Corporation Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of JJ Finance Corporation Ltd (523062)?

Company share prices are keep on changing according to the market conditions. The current trading price of JJ Finance Corporation Ltd (523062) on 05-May-2026 16:59:59 at 16:59 is 43.42.

What is the P/E ratio of JJ Finance Corporation?

The latest standalone P/E ratio of JJ Finance Corporation as of 05-May-2026 is 0.00.

What is the P/B ratio of JJ Finance Corporation Ltd (523062)?

The latest standalone P/B ratio of JJ Finance Corporation Ltd (523062) as of 05-May-2026 is 1.18.

What is the 52-week high and low of JJ Finance Corporation Ltd (523062)?

The 52-week high of JJ Finance Corporation Ltd (523062) is Rs. 78.70 and the 52-week low is Rs. 30.15.

JJ Finance Corporation Ltd (523062) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: JJ Finance Corporation Ltd (523062)
Brand: JJ Finance Corporation

JJ Finance Corporation Ltd (523062) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Key Metrics

Market Cap

₹12 Cr.

Earnings Per Share (TTM)

₹-0.99

P/E Ratio

0.00

Price to Book (P/B)

1.18

EV/EBITDA

-47.00

Current Price

₹43.4

Return on Capital Employed (ROCE)

4.55%

Return on Equity (ROE)

2.66%

Return on Assets (ROA)

2.64%

Gross NPA(%)

0.00

Book Value per Share

₹36.8

Net NPA(%)

0.00

Dividend Yield

0.00%

Net Interest Income Growth (1 Year)

2.63%

Net Interest Income Growth (3 Years)

24.93%

52-Week Low / High

₹30 / 79

Book Value Growth (1 Year)

4.96%

Book Value Growth (3 Years)

1.2%

Check Before You Invest

Q.1 Does its ROIC exceed its WACC?

JJ Finance Corporation Ltd return on invested capital (ROIC) is 2.66% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Q.1 Stock return of JJ Finance Corporation Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 11.1% based on the current price.

Q.1 Which industry/sub-sector does JJ Finance Corporation Ltd belong to?

JJ Finance Corporation Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.1 Total Income growth of JJ Finance Corporation Ltd?

JJ Finance Corporation Ltd Operating Income growth is 2.63% for FY-2025, which is below its 5-year CAGR of 5.74%, indicating slower growth.

Q.1 Promoter shareholding and pledge status of JJ Finance Corporation Ltd?

Promoters hold 64.78% of the JJ Finance Corporation Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Q.1 AUM Growth of JJ Finance Corporation Ltd vs Industry Peers?

JJ Finance Corporation Ltd AUM CAGR is 1.04%, compared to the 5-year industry median CAGR of 9.9%, indicating slower growth and losing its market share.

DeciZen - make an informed investing decision on JJ Finance Corp.

Based on:

Data

M-Cap below 100cr DeciZen not available

JJ Finance Corporation stock performance

Key Ratios

Is JJ Finance Corporation Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	0.4	0.6	1.2	0.6	0.6	0.6	0.4	0.4	0.8	0.8	0
YoY Gr. Rt. %	-	50%	85.7%	-49.6%	0%	0%	-32.2%	0%	90%	2.6%	-
Adj EPS (₹ )	0.6	1.2	2.7	0.8	0.6	1.2	0.7	0.3	1.3	0.9	-1
YoY Gr. Rt. %	-	84.1%	131.9%	-68.8%	-34.5%	109.1%	-39.1%	-58.6%	348.3%	-28.5%	-
BVPS (₹ )	17.2	18.3	21	30.4	31.6	33.5	34.5	31.5	34	35.7	36.8
YoY Gr. Rt. %	-	6.7%	14.6%	45%	3.8%	6.1%	2.8%	-8.6%	8%	5%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	3.6	6.4	13.3	3.1	1.7	3.3	1.9	0.8	3.9	2.6	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	7.1%	5.7%	24.9%	2.6%
Adj EPS	4.4%	11.1%	9.9%	-28.5%
BVPS	8.5%	2.5%	1.2%	5%
Share Price	10.9%	49.2%	27.9%	0.5%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	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	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	42.5	52.2	65.1	39.8	26.5	54.9	48.8	20.3	48	33.4	-73.5
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	3.7	6.5	13.7	3.3	1.8	3.5	2.1	0.9	4	2.7	-2.6

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	-1	-
TTM Sales (₹ Cr.)	0.4	-
BVPS (₹) ⓘ	36.8	-
Reserves (₹ Cr.) ⓘ	8	-
P/BV ⓘ	1.18	-
PE ⓘ	0.00	-

From the Market
52 Week Low / High (₹)	30.15 / 78.70
All Time Low / High (₹)	4.40 / 97.55
Market Cap (₹ Cr.)	12.2
Equity (₹ Cr.)	2.8
Face Value (₹)	10
Industry PE ⓘ	28.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of JJ Finance Corp. - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	0.42	0.63	1.17	0.59	0.59	0.67	0.46	0.41	0.76	0.78
Interest Income	0.42	0.63	1.17	0.59	0.59	0.59	0.40	0.40	0.76	0.78
Other Income ⓘ	0	0	0.01	0	0	0	0	0	0.01	0
Exceptional Items ⓘ	0	0	0	0	0	0.08	0.06	0.01	0	0
Expenditure ⓘ +	0.20	0.23	0.23	0.27	0.32	0.23	0.21	0.22	0.28	0.34
Interest Expense ⓘ	0	0	0	0	0	0	0	0	0	0
Operating Expenses ⓘ	0.20	0.22	0.23	0.27	0.31	0.23	0.20	0.22	0.27	0.33
Provisions	0	0	0.01	0	0	0	0	0	0.01	0
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0.21	0.40	0.93	0.32	0.27	0.44	0.25	0.19	0.48	0.45
Taxes ⓘ	0.03	0.07	0.17	0.08	0.11	0.11	0.05	0.11	0.11	0.19
Profit After Tax	0.18	0.33	0.76	0.24	0.16	0.32	0.20	0.08	0.37	0.26
Adjusted EPS (₹)	0.6	1.2	2.7	0.8	0.6	1.2	0.7	0.3	1.3	0.9
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	4.84	5.16	5.92	8.58	8.91	9.45	9.72	8.89	9.60	10.08
Share Capital ⓘ	2.82	2.82	2.82	2.82	2.82	2.82	2.82	2.82	2.82	2.82
Reserves ⓘ	2.02	2.34	3.10	5.76	6.09	6.63	6.90	6.07	6.78	7.26
Short term borrowings	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	0.05	0.05	0.04	0.51	0.63	0.62	0.60	-0.03	0	-0.04
Current Liabilities	0.05	0.09	0.20	0.02	0.09	0.12	0.04	0.05	0.06	0.10
Trade Payables	0	0.01	0.01	0	0.04	0	0	0	0	0
Other Liabilities	-0	-0.01	-0.01	-0	-0.04	-0	-0	0	0	0
Total Liabilities ⓘ	4.93	5.30	6.16	9.11	9.63	10.19	10.37	8.91	9.66	10.14
Assets
Non Current Asset +	2.54	1.97	0.57	3.31	3.93	3.85	7.73	3.06	4.64	3.66
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	2.54	1.97	0.57	3.31	3.93	3.85	7.73	3.06	4.64	3.66
Current Asset +	2.39	3.33	5.59	5.80	5.70	6.34	2.64	5.85	5.02	6.48
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	2.39	3.33	5.59	5.80	5.70	6.34	2.64	5.85	5.02	6.48
Total Assets ⓘ	4.93	5.30	6.16	9.11	9.63	10.19	10.37	8.91	9.66	10.14

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	0.10	0.18	0.65	-0.26	-0.23	-0.16	-0.15	-0.14	-0.44	-0.02
Cash Flow From Investing Activity ⓘ	0.26	0.64	1.39	0.07	-0.41	0.46	-3.70	3.09	-0.88	1.50
Cash Flow From Financing Activity ⓘ	-0.33	-0.72	-2.24	0.35	0.45	0.82	2.39	-2.10	0.75	-1.45
Net Cash Flow ⓘ	0.03	0.10	-0.20	0.15	-0.20	1.13	-1.47	0.86	-0.57	0.02

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	0.60	1.20	2.70	0.80	0.60	1.20	0.70	0.30	1.30	0.90
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	17.2	18.3	21	30.4	31.6	33.5	34.5	31.5	34	35.7
Performance Ratios
ROA (%)	3.6	6.4	13.3	3.1	1.7	3.3	1.9	0.8	3.9	2.6
ROE (%)	3.7	6.5	13.7	3.3	1.8	3.5	2.1	0.9	4.0	2.7
ROCE (%)	4.5	8.0	16.8	4.4	3.1	4.8	2.6	2.1	5.2	4.6
Valuation Parameters
Price/Book(x)	0.9	0.8	2.2	0.5	0.4	0.2	1.1	0.4	0.7	1.1

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JJ Finance Corporation Ltd FAQs

The current trading price of JJ Finance Corp. on 05-May-2026 16:59 is ₹43.42.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 04-May-2026 the market cap of JJ Finance Corp. stood at ₹12.24 Cr

The latest P/E ratio of JJ Finance Corp. as of 04-May-2026 is 0.00.

The latest P/B ratio of JJ Finance Corp. as of 04-May-2026 is 1.18.

The 52-week high of JJ Finance Corp. is ₹78.70 and the 52-week low is ₹30.15.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JJ Finance Corp. is ₹0.38 ( Cr.) .

About JJ Finance Corporation Ltd

J J Finance Corporation, incorporated in the year 1982, was formerly known as J J Leasing & Hiring. The name of the company has been changed from J J Leasing & Hiring Limited to J J Finance Corporation Limited with effect from 22nd September, 1995. The company is engaged in the business of leasing and hire purchase. The company is principally into funding car and truck purchase.

The company is located in Kolkata, India.

Business areas of the company:

The company is engaged in the business of leasing and hire purchase. The company is principally into funding car and truck purchase.

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JJ Finance Corporation Ltd (523062) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

JJ Finance Corp. Share Price