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KJMC Financial Services Ltd (KJMCFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

BSE: 530235 NSE: KJMCFIN | Finance - NBFC | Small Cap

KJMC Financial Serv Share Price

50.34 -3.37 (-6.27%)
As on 13-Apr'26 16:59

KJMC Financial Services Ltd (KJMCFIN)

BSE: 530235 NSE: KJMCFIN
Key Metrics
Market Cap
₹24 Cr.
Earnings Per Share (TTM)
₹2.88
P/E Ratio
17.47
Price to Book (P/B)
0.19
EV/EBITDA
10.83
Current Price
₹50.3
Return on Capital Employed (ROCE)
1.58%
Return on Equity (ROE)
0.66%
Return on Assets (ROA)
0.56%
Gross NPA(%)
0.00
Book Value per Share
₹262.8
Net NPA(%)
0.00
Dividend Yield
0.00%
Net Interest Income Growth (1 Year)
3.29%
Net Interest Income Growth (3 Years)
14.47%
52-Week Low / High
₹41 / 110
Book Value Growth (1 Year)
29.37%
Book Value Growth (3 Years)
25.7%

DeciZen - make an informed investing decision on KJMC Financial Serv

Based on:

M-Cap below 100cr DeciZen not available

KJMC Financial Services stock performance

Key Ratios
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Is KJMC Financial Services Ltd an attractive stock to invest in?

1. Is KJMC Financial Services Ltd a good quality company?

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

2. Is KJMC Financial Services Ltd undervalued or overvalued?

The key valuation ratios of KJMC Financial Services Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is KJMC Financial Services Ltd a good buy now?

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

10 Year X-Ray :

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.
KJMC Financial Services Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)2.22.86.92.31.81.53.62.94.64.93
YoY Gr. Rt. %-28.3%146.3%-66.2%-23.5%-16.2%138.7%-19.3%60.2%6.3%-
Adj EPS (₹ ) 1.40.91-1.4-3.2-2.9-0.9-1.91.91.72.9
YoY Gr. Rt. %--37.6%18.2%-238.5%NANANANANA-10.1%-
BVPS (₹ )32.331.832.851.750.7123.4146.9144225.6291.8262.8
YoY Gr. Rt. %--1.6%3.3%57.4%-1.9%143.5%19.1%-2%56.7%29.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.81.71.8-2-3.9-2.6-0.6-1.10.90.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.4%22.4%11.2%6.3%
Adj EPS2.1%NANA-10.1%
BVPS27.7%41.9%25.7%29.4%
Share Price 15.6% 29.2% 21% -47.8%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)28.915.17.2-29.5-84.2-93.4-12-3119.516.539.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)4.52.83.2-3.4-6.2-3.4-0.7-1.310.71.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 1.00%

Total Income has increased 11.18 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

Standalone Consolidated
TTM EPS (₹) 2.9 3.1
TTM Sales (₹ Cr.) 3.5 3.5
BVPS (₹) 262.8 324.1
Reserves (₹ Cr.) 121 150
P/BV 0.19 0.16
PE 17.47 16.21
From the Market
52 Week Low / High (₹) 41.21 / 110.00
All Time Low / High (₹) 0.90 / 194.10
Market Cap (₹ Cr.) 24.1
Equity (₹ Cr.) 4.8
Face Value (₹) 10
Industry PE 28.6

Management X-Ray

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 (%)

Valuation of KJMC Financial Serv - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 2.252.836.992.742.361.953.743.094.825.22
Interest Income2.192.816.922.341.791.503.582.894.634.92
Other Income 0.050.050.050.130.120.420.160.130.180.14
Exceptional Items 0.060.020.070.400.560.460.150.200.190.30
Expenditure + 1.632.526.393.393.903.793.833.723.444.03
Interest Expense 0.210.401.301.411.180.790.860.710.680.84
Operating Expenses 1.372.075.031.862.602.582.812.882.583.05
Provisions 0.050.050.050.130.120.420.160.130.180.14
Exceptional Items 0000000000
Profit Before Tax 0.620.300.60-0.65-1.54-1.84-0.10-0.631.371.20
Taxes -0.01-0.120.100.04-0.03-0.440.330.260.470.39
Profit After Tax 0.630.420.50-0.69-1.51-1.40-0.43-0.890.900.81
Adjusted EPS (₹)1.40.91.0-1.4-3.2-2.9-0.9-1.91.91.7
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +14.7915.2115.7124.7224.2559.0370.3268.89107.95139.65
Share Capital 4.794.794.794.794.794.794.794.794.794.79
Reserves 10.0110.4310.9319.9419.4654.2465.5364.11103.16134.87
Short term borrowings2.109.3111.9710.689.1700000
Long Term Borrowings5.970.770.993.314.7110.0810.2513.101724.80
Current Liabilities 2.249.9512.13119.540.310.230.260.170.57
Trade Payables0000.030.050.080.090.090.030.02
Other Liabilities-2.10-9.31-11.97-10.71-9.22-0.08-0.09-0.09-0.03-0.02
Total Liabilities 2325.9428.8339.0338.4969.4280.8082.25125.11165.03

Assets

Non Current Asset +22.5023.1823.9725.2824.3562.4071.6268.72118.02153.56
Loan Asset 000000004.141.26
Other Non Current Asset 22.5023.1823.9725.2824.3562.4071.6268.72113.89152.30
Current Asset +0.502.764.8613.7514.147.029.1813.537.0911.47
Current Investment000.060.830.350.492.494.795.649.23
Other Current Asset0.502.764.8112.9213.796.536.688.741.452.24
Total Assets 2325.9428.8339.0338.4969.4280.8082.25125.11165.03

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 0.03-1.67-1.40-3.65-1.230.57-1.28-2.584.301.33
Cash Flow From Investing Activity -0.03-0-0.0112.911.542.720.86-0.21-3.062.40
Cash Flow From Financing Activity -0.011.641.42-2.39-0.23-10.010.542.83-1.31-3.66
Net Cash Flow -0.01-0.030.016.870.07-6.720.120.04-0.070.07

Finance Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)111-1-3-3-1-222
DPS (₹)0000000000
BVPS (₹)3232335251123147144226292

Performance Ratios

ROA (%)2.81.71.8-2.0-3.9-2.6-0.6-1.10.90.6
ROE (%)4.52.83.2-3.4-6.2-3.4-0.7-1.31.00.7
ROCE (%)5.03.47.32.4-1.0-2.11.10.12.21.6

Valuation Parameters

Price/Book(x)0.40.81.00.40.00.10.20.20.20.3

Top 5 Mutual Funds Holding

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Announcements

KJMC Financial Services Ltd FAQs

The current trading price of KJMC Financial Serv on 13-Apr-2026 16:59 is ₹50.34.

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-Apr-2026 the market cap of KJMC Financial Serv stood at ₹24.09 Cr

The latest P/E ratio of KJMC Financial Serv as of 12-Apr-2026 is 17.47.

The latest P/B ratio of KJMC Financial Serv as of 12-Apr-2026 is 0.19.

The 52-week high of KJMC Financial Serv is ₹110.0 and the 52-week low is ₹41.21.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of KJMC Financial Serv is ₹3.47 ( Cr.) .

About KJMC Financial Services Ltd

KJMC Financial Services, a KJMC Group company was incorporated in 1988 and is registered as NBFC under section 45 IA of RBI. It is engaged in the investments in securities, bonds & other asset classes and advancing loan to the investors. Currently it is listed on BSE with a shareholder base of around 4000.

KJMC Group  was set up in 1988, by professionals with vision, Khandelwal Jain Management Consultancy Services Pvt. Ltd. (KJMC) has grown at a steady pace. Today it offers a diverse spectrum of integrated financial services to its clients.

KJMC Financial Services Ltd has received registration for sponsoring KJMC mutual fund from SEBI. With KJMC Asset Management Company formed the group is poised to launch its mutual fund in the near future and make its entry into the high growth mutual fund industry.Services offered by the company:

  • LAS
  • Margin Funding
  • IPO funding
  • Stressed asset financing
  • NPA Buyouts
  • Loan against shares
  • Promoter funding
  • ICDs
  • Investments
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