JM Financial Limited JMFINANCIL NIFTY_SMALLNSEFINANCIAL
JM Financial Limited, together with its subsidiaries, provides various integrated and diversified financial services to corporations, financial institutions, government organizations, high net-worth individuals, and retail customers in India and internationally. The company operates through Investment Bank; Mortgage Lending; Alternative & Distressed Credit; and Asset Management, Wealth Management & Securities Business (Platform AWS) segments. The Investment Bank segment manages capital markets transactions, as well as advises on mergers and acquisitions, and private equity syndication. This segment also provides institutional equities business and research, portfolio management, private equity funds, fixed income, syndication, and finance services. The Mortgage Lending segment offers finance against commercial and residential real estate to a range of corporate and non-corporate clients; housing finance; and lending services to educational institutions. The Alternative & Distressed Credit segment provides securitization and reconstruction of financial assets and manages alternative credit funds. The Platform AWS segment offers investment advisory and distribution services, which include equity brokerage, elite and retail wealth management, and margin trade financing; distributes financial products; and manages mutual fund assets through various schemes. The company also provides real estate consulting and capital market lending services. The company was formerly known as J.M. Share and Stock Brokers Private Limited and changed its name to JM Financial Limited in September 2004. JM Financial Limited was founded in 1973 and is headquartered in Mumbai, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 35.6%.
- Attractive dividend yield of 3.22%.
CONS
- Trading 31.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | JMFINANCIL JM Financial Limited NIFTY_SMALLNSEFINANCIAL | 130.36 | 10.39 | ₹12,468.49 Cr | 3.22% | - | - | 0.63% | 2.03% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | 639.06 Cr | 686.07 Cr | 746.03 Cr | 1,074.80 Cr | 901.39 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 485.46 Cr | 399.49 Cr | 434.61 Cr | 482.24 Cr | 501.01 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 343.12 Cr | 318.00 Cr | 273.59 Cr | 250.88 Cr | 247.83 Cr |
| Pretax Income | 153.60 Cr | 286.58 Cr | 311.42 Cr | 592.56 Cr | 400.38 Cr |
| Tax Provision | 9.81 Cr | 79.16 Cr | 76.41 Cr | 134.98 Cr | 95.37 Cr |
| Net Income | 232.16 Cr | 208.92 Cr | 209.53 Cr | 453.81 Cr | 312.80 Cr |
| Diluted EPS | 2.43 | 2.18 | - | 4.74 | 3.27 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 2,671.56 Cr | 2,068.58 Cr | 2,692.69 Cr | 2,722.35 Cr |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | 1,323.52 Cr | 1,115.97 Cr | 2,339.32 Cr | 1,725.50 Cr |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 1,081.73 Cr | 1,178.51 Cr | 1,561.52 Cr | 1,304.93 Cr |
| Pretax Income | 1,348.04 Cr | 952.61 Cr | 353.37 Cr | 996.85 Cr |
| Tax Provision | 355.67 Cr | 243.85 Cr | 325.85 Cr | 224.85 Cr |
| Net Income | 773.16 Cr | 597.29 Cr | 409.84 Cr | 821.31 Cr |
| Diluted EPS | 8.09 | 6.25 | 4.29 | 8.58 |
Compounded Sales Growth
| 5 Years: | 0.63% |
| 1 Year: | 31.40% |
Compounded Profit Growth
| 5 Years: | 2.03% |
| 1 Year: | 50.00% |
Stock Price Performance
| 1 Year: | +6.19% |
| 6 Months: | -5.11% |
| 3 Months: | -3.24% |
| 1 Month: | -4.71% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 25,814.50 Cr | 29,370.44 Cr | 29,763.60 Cr | 24,504.10 Cr |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 1,262.94 Cr | 524.02 Cr | 2,231.58 Cr | 540.00 Cr |
| Inventory | - | - | - | - |
| Receivables | 15,570.61 Cr | 18,144.04 Cr | 15,631.46 Cr | 10,563.86 Cr |
| Total Liabilities | 15,188.86 Cr | 18,100.59 Cr | 18,707.57 Cr | 14,273.65 Cr |
| Current Liabilities | - | - | - | - |
| Long Term Debt | - | - | - | - |
| Total Debt | 13,498.04 Cr | 15,939.46 Cr | 16,227.73 Cr | 11,507.36 Cr |
| Total Equity | 7,686.21 Cr | 8,136.26 Cr | 8,490.50 Cr | 9,727.80 Cr |
| Shares Outstanding | 95.41 Cr | 95.48 Cr | 95.56 Cr | 95.58 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | -3,458.08 Cr | -2,307.20 Cr | 3,635.05 Cr | 5,568.68 Cr |
| Investing Cash Flow | 2,613.92 Cr | -591.61 Cr | -2,089.94 Cr | -2,474.51 Cr |
| Financing Cash Flow | 1,280.72 Cr | 2,159.89 Cr | 162.45 Cr | -4,785.75 Cr |
| Capital Expenditure | -17.03 Cr | -124.53 Cr | -53.73 Cr | -33.97 Cr |
| Free Cash Flow | -3,475.11 Cr | -2,431.73 Cr | 3,581.32 Cr | 5,534.71 Cr |
| Net Change in Cash | 436.56 Cr | -738.92 Cr | 1,707.56 Cr | -1,691.58 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 28.9% | 28.9% | 15.2% | 30.2% |
| ROE % | 10.1% | 7.3% | 4.8% | 8.4% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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