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10 Yrs X-Ray 
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Analyst Note 
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About
Justo Realfintech Ltd (544542)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544542 NSE: Business Support | Small Cap | Justo Realfintech Share Price
₹81 0.00 (0.00%)
As on 30-Oct'26 16:59
Justo Realfintech Ltd (544542)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 544542 NSE: Business Support | Small Cap | Justo Realfintech Share Price
₹81 0.00 (0.00%)
As on 30-Oct'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹152 Cr.
Current Price
₹81
52-Week Low / High
₹72 / 125
TTM EPS
₹10.2
TTM Sales
₹91.8 Cr.
Book Value per Share
₹67.2
P/E Ratio
7.93
Lower than its 5-year historical median
Industry PE
26.3
Price to Book (P/B)
1.21
Lower than its 5-year historical median
Price to Sales (P/S)
1.66
Lower than its 5-year historical median
EV/EBITDA
4.31
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
21.49%
Outperforms industry median
Return on Capital Employed (ROCE)
27.17%
Outperforms industry median
Return on Assets (ROA)
16.17%
Outperforms industry median
Operating Profit Margin
30.3%
Outperforms industry median
Net Profit Margin
20.93%
Outperforms industry median
Gross Profit Margin
28.8%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Improving versus 3-year growth rate
12.82%
Operating Profit Growth (1 Year)
Improving versus 3-year growth rate
28.47%
Net Profit Growth (1 Year)
Improving versus 3-year growth rate
28.32%
Asset Quality
Promoter Holding
39.49%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹108 Cr.
Equity
₹18.8 Cr.
Face Value
₹10
All Time Low / High
₹72.00 / 136.80
Check Before You Invest
Quality
Somewhat GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Weak
Is Justo Realfintech Ltd a good quality company?
Justo Realfintech Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
-
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
-
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.
How does Justo Realfintech Ltd performance compare with that of its Peers?
Revenue growth of Justo Realfintech Ltd vs industry peers?
Justo Realfintech Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 0%, indicating stable growth and maintaining its market share.
Promoter shareholding and pledge status of Justo Realfintech Ltd?
Promoters hold 39.49% of the Justo Realfintech Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Justo Realfintech Ltd over the last decade?
Over the last 1 year(s), the stock has delivered a CAGR of -31.5% based on the current price.
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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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.
Justo Realfintech Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Value Creation ⓘ
| Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|
| ROCE % ⓘ | 68.5% | 138.4% | 38.2% | 44% | 27.5% | - |
| Value Creation Index ⓘ | 3.9 | 8.9 | 1.7 | 2.1 | 1.0 | - |
Growth Parameters ⓘ |
||||||
| Sales ⓘ | 30.2 | 70.4 | 59.4 | 81.4 | 91.8 | 92 |
| Sales YoY Gr. | - | 133.4% | -15.7% | 37% | 12.8% | - |
| Adj EPS ⓘ | 3.3 | 13.7 | 6.2 | 10.9 | 10.3 | 10.4 |
| YoY Gr. | - | 317% | -54.7% | 74.9% | -5.1% | - |
| BVPS (₹) ⓘ | 4.5 | 18.2 | 24.4 | 37.9 | 67.5 | 67.5 |
| Adj Net Profit ⓘ | 3.7 | 15.3 | 6.9 | 15 | 19.4 | 20 |
| Cash Flow from Ops. ⓘ | 1.7 | 1.2 | 5 | -9.3 | -9.4 | - |
| Debt/CF from Ops. ⓘ | 1.8 | 3 | 0.5 | -1.8 | -1.6 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | NA | 9.2% | 12.8% | ||||
| Adj EPS ⓘ | NA | NA | -9.1% | -5.1% | ||||
| BVPSⓘ | NA | NA | 54.7% | 78% | ||||
| Share Price | - | - | - | -31.5% | ||||
Key Financial Parameters ⓘ
| Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 73 | 120.7 | 29.1 | 37.7 | 21.6 | 15.5 |
| Op. Profit Mgn % ⓘ | 18.5 | 31.7 | 17.8 | 26.6 | 30.3 | NAN |
| Net Profit Mgn % ⓘ | 12.2 | 21.8 | 11.7 | 18.5 | 21.1 | 21.4 |
| Debt to Equity ⓘ | 0.6 | 0.2 | 0.1 | 0.3 | 0.1 | - |
| Working Cap Days ⓘ | 0 | 111 | 204 | 207 | 310 | 0 |
| Cash Conv. Cycle ⓘ | 0 | 91 | 171 | 172 | 255 | 0 |
Valuation of Justo Realfintech - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|
| Sales | 30 | 70 | 59 | 81 | 92 |
| Operating Expenses ⓘ + | 25 | 48 | 49 | 60 | 64 |
| Operating Profit ⓘ | 5 | 22 | 11 | 22 | 28 |
| Operating Profit Margin (%) | 18.0% | 31.9% | 17.8% | 26.6% | 30.3% |
| Other Income ⓘ + | 0 | 0 | 0 | 0 | 1 |
| Interest ⓘ | 0 | 1 | 1 | 1 | 2 |
| Depreciation ⓘ | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 5 | 22 | 9 | 20 | 26 |
| Tax ⓘ | 1 | 6 | 2 | 5 | 7 |
| Profit After Tax | 4 | 15 | 7 | 15 | 19 |
| PAT Margin (%) | 12.3% | 21.7% | 11.3% | 18.4% | 20.9% |
| Adjusted EPS (₹) | 3.3 | 13.7 | 6.0 | 10.8 | 10.2 |
| Dividend Payout Ratio (%) | 1.80% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 5 | 20 | 27 | 52 | 126 | ||||||
| Debt + | 3 | 4 | 2 | 16 | 15 | ||||||
| Minority Interest | 0 | 0 | 0 | 0 | 0 | ||||||
| Trade Payables | 0 | 2 | 1 | 1 | 3 | ||||||
| Others Liabilities ⓘ | 6 | 7 | 11 | 6 | 17 | ||||||
| Total Liabilities ⓘ | 14 | 33 | 42 | 76 | 162 | ||||||
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 1 | 1 | 1 | 1 | 3 | ||||||
| CWIP ⓘ | 0 | 0 | 2 | 5 | 8 | ||||||
| Investments ⓘ | 0 | 0 | 3 | 5 | 10 | ||||||
| Inventories | 0 | 0 | 0 | 0 | 0 | ||||||
| Trade Receivables | 10 | 29 | 32 | 49 | 87 | ||||||
| Cash Equivalents | 1 | 1 | 0 | 9 | 43 | ||||||
| Others Assets ⓘ | 2 | 2 | 4 | 6 | 11 | ||||||
| Total Assets ⓘ | 14 | 33 | 42 | 76 | 162 | ||||||
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | 0 | 1 | 5 | -9 | -9 |
| Cash Flow From Investing Activity ⓘ + | -1 | -2 | -4 | -9 | -26 |
| Cash Flow From Financing Activity ⓘ + | 1 | 0 | -1 | 25 | 52 |
| Net Cash Flow ⓘ | 1 | -1 | -0 | 7 | 16 |
| PARTICULARS | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 73.11 | 120.33 | 28.24 | 37.67 | 21.49 | |||||
| ROCE (%) | 66.38 | 139.19 | 38.37 | 44.02 | 27.17 | |||||
| Asset Turnover Ratio | 2.11 | 3.01 | 1.6 | 1.38 | 0.77 | |||||
| PAT to CFO Conversion(x) | 0 | 0.07 | 0.71 | -0.6 | -0.47 | |||||
| Working Capital Days | ||||||||||
| Receivable Days | 121.20 | 100.40 | 185.40 | 181.80 | 270.40 | |||||
| Inventory Days | 0 | 0 | 0 | 0 | 0 | |||||
| Payable Days | 0 | 0 | 0 | 0 | 0 | |||||
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Annual reports
No annual reports available.
Concalls
No concalls available.
Justo Realfintech Ltd FAQs
The current trading price of Justo Realfintech on 30-Oct-2026 16:59 is ₹81.00.
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 29-Oct-2026 the market cap of Justo Realfintech stood at ₹152.3 Cr
The latest P/E ratio of Justo Realfintech as of 29-Oct-2026 is 7.76.
The latest P/B ratio of Justo Realfintech as of 29-Oct-2026 is 1.20.
The 52-week high of Justo Realfintech is ₹125.0 and the 52-week low is ₹72.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Justo Realfintech is ₹91.78 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Justo Realfintech Ltd is a average quality company.
The key valuation ratios of Justo Realfintech Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Justo Realfintech Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Justo Realfintech Ltd
Justo Realfintech Limited was originally incorporated as ‘Justo Realfintech Private Limited’ as private limited company in Mumbai on March 29, 2019. Subsequently, the company was converted into a public limited company pursuant to a special resolution passed by the Shareholders at an Extraordinary General Meeting held on October 15, 2024, and the name of the company was changed to ‘Justo Realfintech Limited’. Its Promoter, Puspamitra Das, brings years of corporate experience, guiding the company’s strategic growth and fostering its reputation as a trusted partner in the real estate sector, enabled by a team of qualified and experienced professional with varied relevant industry experience.
The company is a full-service real estate mandate company based in Maharashtra. It provides solutions including decisions on pricing and sizing of the projects to real estate developers and enabling the delivery of the products to the end customers. The company distinguishes itself through its tech-enabled platforms that streamlines project onboarding, customer engagement and sales processes. Leveraging data-driven insights and digital tools, the company ensures enhanced visibility and conversion for its real estate developer partners. Its role involves efficiently managing multiple aspects of the inventory of real estate developers and realizing through a large network of channel partners. It primarily works with a focused niche of real estate developers who primarily operate in the lower-to-mid segment residential and commercial developments. It also assists in arranging credit arrangements for their acquisition, construction and development from banks, NBFCs and other financial institutions.
Its business model focuses on providing services which include but are not limited to providing comprehensive advisory and execution services across business and sales strategy, marketing, CRM and financing solutions. The company’s expertise and services lie in micro market analysis, identifying market and need gaps, defining product positioning and mapping of competitive products, as well as leveraging tech-enabled sales strategies to help developers achieve optimum realization of project inventory. Essentially, through its services, the company enables real estate developers to convert their time related fixed overheads for sales and marketing into commission related variable costs.
Business area of the company
The company is a technology driven real estate service organisation collaborating with developers to facilitate and help developers in developing strategy and executing the marketing, sales, digital, home loans and CRM actionable for various real estate projects. The company develops strategy, positioning and the thought for executing sales, promotion and marketing activities for various developers.
Services of the company
- Launch Projects: These are fresh real estate projects where the company is involved since the initiation of the project. Its services for these real estate projects begin with product conceptualization, followed by launch planning, and extending to comprehensive marketing and sales execution.
- Sustenance Projects: In this type of mandates, it focuses on properties that are either already developed, in the mid-lifecycle stage, or facing challenges such as delayed sales. For these types of real estate projects, it provides tailored services as per the requirement of each of these real estate projects, which generally includes strategy, marketing, sales, and after-sales solutions.
Awards, accreditations and recognition
- 2019: Awarded with ‘Innovative technology in Real Estate Distribution 2019 - CNBC TV 18’ award in Global Real Estate and Business Excellence Awards.
- 2020: Awarded with ‘Best Real estate Start-up of the Year’ in India Excellence Awards.
- 2021: Awarded with ‘Iconic Innovative Market Brand in Real Estate-2021’ award in Times Real Estate Conclave Awards 2021.
- 2021: Awarded with ‘Most Innovative Communication and Distribution Platform 2021-CNN News’ in Real Estate and Business Excellence Awards.
- 2021: Awarded with ‘Award for Professional Excellence in Real Estate 2021’ in Golden Feather Awards.
- 2021: Awarded with ‘Professional Excellence in Real Estate 2021’ in Silver Feather Awards.
- 2024: Awarded with ‘Property Consultant of the Year Residential (National)’ in The Economic Times Real Estate Awards.
- 2024: Awarded with ‘Property Consultant of the Year-2024’ in Realty Conclave Excellence Awards- 2023 Pune.
- 2025: Awarded with ‘Best Employer 2024’ in 19th Employer Branding Awards.
- 2025: Awarded with ‘Property Consultant of the year’ in the Economic Times Real Estate Awards.
- 2025: Awarded with ‘Property Consultant of the year-Residential’ in the Economic Times Real Estate Awards.
History and milestones
- 2019: Incorporation of the company as ‘Justo Realfintech Private Limited’.
- 2019: Obtained RERA Real Estate Agent License in Maharashtra.
- 2019: Commenced business operation as real estate mandate partner with select projects in Mumbai.
- 2020: Entered real estate market of Pune and expanded business operations in Mumbai.
- 2021: Expanded business operations in Pune Surpassed the total employee strength of 100 team members.
- 2022: Commenced the business operations in Aurangabad.
- 2022: Achieved cumulative sales of over 2,900 units, admeasuring to over 20 lakh square feet with gross value of Rs 1,700 crore.
- 2022: Commenced financial advisory business by providing home loan assistance to real estate buyers.
- 2023: Associated with 13 banks and financial institution as Direct Selling Agents.
- 2023: Entered real estate market of Nashik.
- 2024: Launched Justo Verse application.
- 2024: Surpassed the total employee strength of 400 team members.
- 2024: Entered real estate market of Kolhapur.
- 2025: Conversion of the company from a private limited company to a public limited company.
- 2025: Entered into an affiliate trademark and referral agreement with an entity based in the UAE Associated with 20 Banks and financial institutions as Direct Selling Agents.
- 2025: Achieved cumulative sales of over 11,250 units, measuring to over 88 lakh square feet with a gross value of Rs 8,150 crore.
- 2025: Achieved a network of over 3,400 channel partners, strengthening its market reach and distribution capabilities.
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