JMJ Fintech Ltd - Stock Valuation and Financial Performance

BSE: 538834 | NSE: | Finance - NBFC | Small Cap

JMJ Fintech Share Price

21.63 -1.10 -4.84%
as on 12-Jul'24 16:01

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JMJ Fintech stock performance -

mw4me loader
P/E Ratio (SA):
12.54
Market Cap:
26.8 Cr.
52-wk low:
12.1
52-wk high:
32.3

Is JMJ Fintech Ltd an attractive stock to invest in?

1. Is JMJ Fintech Ltd a good quality company?

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

2. Is JMJ Fintech Ltd undervalued or overvalued?

The key valuation ratios of JMJ Fintech Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

3. Is JMJ Fintech Ltd a good buy now?

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

10 Year X-Ray of JMJ Fintech:

Analysis of Financial Track Record

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
JMJ Fintech Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)1.74.52.12.83.43.62.21.70.63.87
YoY Gr. Rt. %-161.6%-54.2%34.5%22%7.4%-39.9%-21.6%-62.6%495.3%-
Adj EPS (₹ ) 0.10.1-0.60.10-0.2-0.3-0.200.71.7
YoY Gr. Rt. %--33.3%-1016.7%NA-84.6%-950%NANANA1575%-
BVPS (₹ )10.410.49.810109.99.69.39.410.212.6
YoY Gr. Rt. %-0.2%-5.1%1.5%0.4%-1.8%-3.1%-2.2%0.4%8.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.40.5-5.31.30.2-1.7-2.8-20.460

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.2%2.4%20.5%495.3%
Adj EPS25%101.8%NA1575%
BVPS-0.2%0.4%2.3%8.9%
Share Price - 23% 66.3% 33.1%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)6.61.6-32.95.80.7-6-17.9-15.37.621.828.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.50.6-5.41.30.2-1.8-3.2-2.20.46.813.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 15.20%

Total Income has increased 20.45 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - JMJ Fintech Ltd.

Standalone Consolidated
TTM EPS (₹) 1.7 -
TTM Sales (₹ Cr.) 7.5 -
BVPS (₹.) 12.6 -
Reserves (₹ Cr.) 3 -
P/BV 1.72 -
PE 12.54 -
From the Market
52 Week Low / High (₹) 12.11 / 32.26
All Time Low / High (₹) 2.18 / 365.00
Market Cap (₹ Cr.) 26.8
Equity (₹ Cr.) 12.4
Face Value (₹) 10
Industry PE 31.9

Management X-Ray of JMJ Fintech:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of JMJ Fintech

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income1.954.512.073.164.013.652.291.710.993.82
Interest Income1.724.502.062.773.383.632.181.710.643.81
Other Income 0.240.010.010.390.630.010.1100.360.01
Expenditure 1.864.372.752.944.013.862.681.910.943.56
Interest Expense 0000.010.010.080.010.1300.06
Operating Expenses 1.824.231.922.902.583.231.821.400.793.50
Provisions 0.030.140.830.031.420.550.850.380.150
Exceptional Items 0000000000.72
Profit Before Tax 0.100.14-0.680.220-0.22-0.39-0.210.050.98
Taxes -0.010.0700.06-0.02000.0600.15
Profit After Tax 0.110.07-0.680.160.03-0.22-0.39-0.260.050.83
Adjusted EPS (₹)0.10.1-0.60.10.0-0.2-0.3-0.20.00.7
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital12.8712.9412.2612.4212.4512.2311.8411.5811.6312.66
Share Capital 12.4012.4012.4012.4012.4012.4012.4012.4012.4012.40
Reserves 0.470.54-0.140.020.05-0.17-0.56-0.82-0.770.26
Minority Interest0000000000
Long Term Borrowings00-0.01-0.01000000.01
Current Liabilities 0.070.060.600.130.041.192.200.800.173.14
Trade Payables0.040.040.550.0100000.070.09
Short term borrowings000001.152.160.7100
Other Liabilities-0.04-0.04-0.55-0.010-1.15-2.16-0.71-0.07-0.09
Total Liabilities 12.941312.8512.5412.4913.4214.0412.3811.8015.81

Assets

Non Current Asset 8.400.050.030.0200000.030.35
Loan Asset 0000000000
Other Non Current Asset 8.400.050.030.0200000.030.35
Current Asset 4.5012.8712.7612.4912.4813.4114.0412.3811.7715.46
Current Investment0000000000
Other Current Asset4.5012.8712.7612.4912.4813.4114.0412.3811.7715.46
Total Assets 12.941312.8512.5412.4913.4214.0412.3811.8015.81

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -10.110.91-0.660.071.07-2.33-0.131.562.27-2.63
Cash Flow From Investing Activity -0.070000.020-10-0.03-0.79
Cash Flow From Financing Activity 10.16-0.07-0.02-0.0201.151.01-1.46-0.712.99
Net Cash Flow -0.020.84-0.680.051.09-1.18-0.120.111.54-0.42
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)00-10000001
DPS (₹)0000000000
BVPS (₹)101010101010109910

Performance Ratios

ROA (%)1.40.5-5.31.30.2-1.7-2.8-2.00.46.0
ROE (%)1.50.6-5.41.30.2-1.8-3.2-2.20.46.8
ROCE (%)1.31.1-5.41.90.1-1.1-2.8-0.60.48.6

Valuation Parameters

Price/Book(x)0.00.030.830.61.00.50.70.31.41.5

JMJ Fintech Ltd Stock News

JMJ Fintech Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of JMJ Fintech on 12-Jul-2024 16:01 is ₹21.63.
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 12-Jul-2024 16:01 the market cap of JMJ Fintech stood at ₹26.82.
The latest P/E ratio of JMJ Fintech as of 12-Jul-2024 16:01 is 12.54.
The latest P/B ratio of JMJ Fintech as of 12-Jul-2024 16:01 is 1.72.
The 52-week high of JMJ Fintech is ₹32.26 and the 52-week low is ₹12.11.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JMJ Fintech is ₹7.46 ( Cr.) .

About JMJ Fintech Ltd

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