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JM Financial Limited JMFINANCIL NIFTY_SMALLNSEFINANCIAL

Financial Services · Capital Markets · India
https://www.jmfl.com
Company Profile ↓
₹113.96
-28.16% 1Y
Mkt Cap₹10,906.03 Cr
P/E10.48
P/B1.06
Div. Yield1.40%
52W High₹188.25
52W Low₹111.89
Book Value₹111.44
EPS (TTM)₹10.87

Company Overview

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. It operates through Corporate Advisory and Capital Markets; Wealth and Asset Management; Private Markets; and Affordable Home Loans segments. The Corporate Advisory and Capital Markets segment caters to institutional, corporate, promoters, government and clients, including investment banking, and institutional equities and research. The Wealth and Asset Management segment provides wealth management business, broking, PMS, Equity and Debt AIFs, and mutual fund business. The Private Market segment comprises of private credit, such as corporate, bespoke, real estate and distressed credit; and Private equity funds, REITs, etc. The Affordable Home Loans segment provides affordable home loans including the affordable housing finance business. 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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 26.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 19.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 10.5, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 30.9%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹3,497.66 Cr (+28.5% YoY); net profit ₹1,201.97 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -10.3%, earnings -35.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 19.1%, profit CAGR 26.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:19.13%
1 Year:-10.30%

Compounded Profit Growth

5 Years:26.25%
1 Year:-35.70%

Stock Price Performance

1 Year:-28.16%
6 Months:-17.68%
3 Months:-6.74%
1 Month:-9.74%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 3% of range
₹111.89 ₹188.25
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)33.10 · Neutral
Price Performance
1M-9.74%
3M-6.74%
6M-17.68%
1Y-28.16%
Valuation vs Sector

P/E of 10.48 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 30.9%.
  • Compounding revenue at 19.1% over 5 years.
  • Profit CAGR of 26.3% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading 39.5% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.48
Industry PE
15.36
Forward P/E
7.60
PEG Ratio
-
Book Value
₹111.44
Price to Book
1.06
P/S
3.35
EV/EBITDA
10.72
Dividend Yield
1.40%

Growth (CAGR)

Revenue 5Y
19.13%
Profit 5Y
26.25%
Revenue (YoY)
-10.30%
Earnings (YoY)
-35.70%

Profitability & Returns

ROCE
-
ROE
11.28%
ROA
4.53%
Profit Margin
30.87%
Op Margin
47.23%
Gross Margin
87.61%
EPS (Latest Qtr)
₹3.05
EPS (TTM)
₹10.87

Balance Sheet & Liquidity

Debt/Equity
1.02
Quick Ratio
-
Current Ratio
-
Debt
₹11,634.63 Cr
Total Assets
₹26,537.22 Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
24.58%
Chg in Prom Hold
-0.00%
FII / Inst Holding
50.08%
Chg in FII Hold
0.07%

Financial Snapshot

Enterprise Value
₹10,906.03 Cr
Total Revenue (TTM)
₹3,369.40 Cr
EBITDA
₹2,202.00 Cr
Free Cash Flow
₹516.50 Cr
Operating Cash Flow
₹580.73 Cr
Shares Outstanding
₹95.70 Cr
Gross Margin
87.61%
Payout Ratio
29.93%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 JMFINANCIL JM Financial Limited NIFTY_SMALLNSEFINANCIAL 113.96 10.48 ₹10,906.03 Cr 1.40% - 11.28% 19.13% 26.25%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 846.00 Cr1,067.00 Cr1,197.00 Cr1,236.00 Cr1,261.00 Cr1,077.00 Cr--746.84 Cr1,074.80 Cr1,031.00 Cr901.39 Cr724.60 Cr964.53 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 459.00 Cr473.00 Cr535.00 Cr430.00 Cr580.00 Cr462.00 Cr--435.42 Cr482.24 Cr426.00 Cr501.01 Cr481.50 Cr508.99 Cr
Operating Income 375.00 Cr582.00 Cr650.00 Cr792.00 Cr667.00 Cr599.00 Cr----586.00 Cr---
EBITDA 387.00 Cr594.00 Cr663.00 Cr806.00 Cr681.00 Cr615.00 Cr----605.00 Cr---
Interest Expense 347.00 Cr366.00 Cr388.00 Cr400.00 Cr407.00 Cr370.00 Cr--273.59 Cr250.88 Cr254.00 Cr247.83 Cr246.26 Cr246.56 Cr
Pretax Income 54.00 Cr230.00 Cr278.00 Cr417.00 Cr-572.00 Cr245.00 Cr--311.42 Cr592.56 Cr344.00 Cr400.38 Cr243.10 Cr455.54 Cr
Tax Provision 21.60 Cr55.20 Cr72.28 Cr95.91 Cr-102.96 Cr58.80 Cr--76.41 Cr134.98 Cr89.44 Cr95.37 Cr83.74 Cr86.80 Cr
Net Income 32.00 Cr177.00 Cr206.00 Cr322.00 Cr-674.00 Cr187.00 Cr--209.53 Cr453.81 Cr262.00 Cr312.80 Cr165.36 Cr291.92 Cr
Diluted EPS 0.601.742.042.91-2.391.79--2.194.742.823.271.733.05

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 1,342.00 Cr1,685.00 Cr2,359.00 Cr3,062.00 Cr3,494.00 Cr3,446.00 Cr3,211.00 Cr-2,068.58 Cr2,692.69 Cr2,722.35 Cr3,497.66 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 448.00 Cr459.00 Cr582.00 Cr767.00 Cr743.00 Cr933.00 Cr1,009.00 Cr-1,115.97 Cr2,339.32 Cr1,725.50 Cr1,917.23 Cr
Operating Income 877.00 Cr1,205.00 Cr1,754.00 Cr2,269.00 Cr2,724.00 Cr2,472.00 Cr2,162.00 Cr-----
EBITDA 895.00 Cr1,225.00 Cr1,777.00 Cr2,295.00 Cr2,751.00 Cr2,513.00 Cr2,202.00 Cr-----
Interest Expense 420.00 Cr512.00 Cr782.00 Cr1,139.00 Cr1,446.00 Cr1,386.00 Cr1,111.00 Cr-1,178.51 Cr1,561.52 Cr1,304.93 Cr999.19 Cr
Pretax Income 517.00 Cr693.00 Cr972.00 Cr1,165.00 Cr1,283.00 Cr1,094.00 Cr1,067.00 Cr-952.61 Cr353.37 Cr996.85 Cr1,580.43 Cr
Tax Provision 155.10 Cr221.76 Cr330.48 Cr384.45 Cr449.05 Cr317.26 Cr256.08 Cr-243.85 Cr325.85 Cr224.85 Cr403.55 Cr
Net Income 379.00 Cr526.00 Cr649.00 Cr785.00 Cr837.00 Cr778.00 Cr808.00 Cr-597.29 Cr409.84 Cr821.31 Cr1,201.97 Cr
Diluted EPS 4.225.085.927.176.816.486.198.096.254.298.5812.55

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 8,505.00 Cr11,061.00 Cr16,545.00 Cr22,206.00 Cr22,640.00 Cr20,746.00 Cr23,378.00 Cr-29,370.44 Cr29,763.60 Cr24,504.10 Cr26,537.22 Cr
Current Assets ------------
Cash & Equivalents --------524.02 Cr2,231.58 Cr540.00 Cr472.19 Cr
Inventory ------------
Receivables --------18,144.04 Cr15,631.46 Cr10,563.86 Cr11,262.70 Cr
Total Liabilities --------18,100.59 Cr18,707.57 Cr14,273.65 Cr15,179.14 Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt 4,723.00 Cr6,672.00 Cr9,444.00 Cr14,988.00 Cr13,991.00 Cr11,756.00 Cr12,405.00 Cr-15,939.46 Cr16,227.73 Cr11,507.36 Cr11,669.44 Cr
Total Equity 2,543.00 Cr2,910.00 Cr3,319.00 Cr4,555.00 Cr5,132.00 Cr5,639.00 Cr7,000.00 Cr-8,136.26 Cr8,490.50 Cr9,727.80 Cr10,657.43 Cr
Shares Outstanding --------95.48 Cr95.56 Cr95.58 Cr95.64 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,717.00 Cr-918.00 Cr-2,546.00 Cr-3,584.00 Cr773.00 Cr3,164.00 Cr969.00 Cr--2,307.20 Cr3,635.05 Cr5,568.65 Cr580.73 Cr
Investing Cash Flow -281.00 Cr264.00 Cr-326.00 Cr-708.00 Cr-148.00 Cr-901.00 Cr-2,249.00 Cr--591.61 Cr-2,089.94 Cr-2,474.51 Cr-532.40 Cr
Financing Cash Flow 1,783.00 Cr1,305.00 Cr2,424.00 Cr4,540.00 Cr-522.00 Cr-2,205.00 Cr1,296.00 Cr-2,159.89 Cr162.45 Cr-4,785.72 Cr-116.14 Cr
Capital Expenditure -237.00 Cr-19.00 Cr-64.00 Cr-21.00 Cr-18.00 Cr-10.00 Cr-6.00 Cr--124.53 Cr-53.73 Cr-33.97 Cr-64.23 Cr
Free Cash Flow -1,954.00 Cr-937.00 Cr-2,610.00 Cr-3,605.00 Cr755.00 Cr3,154.00 Cr963.00 Cr--2,431.73 Cr3,581.32 Cr5,534.68 Cr516.50 Cr
Net Change in Cash -215.00 Cr651.00 Cr-448.00 Cr247.00 Cr103.00 Cr58.00 Cr16.00 Cr--738.92 Cr1,707.56 Cr-1,691.58 Cr-67.81 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % 65.4%71.5%74.4%74.1%78.0%71.7%67.3%-----
Net Margin % 28.2%31.2%27.5%25.6%24.0%22.6%25.2%-28.9%15.2%30.2%34.4%
ROE % 14.9%18.1%19.6%17.2%16.3%13.8%11.5%-7.3%4.8%8.4%11.3%
ROCE % ------------

Shareholding Pattern

Insiders
24.58%
Institutions
50.08%
Public Float
66.41%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for JMFINANCIL

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JM Financial (JMFINANCIL.NS) Slips 1.47% to ₹112.28, Sitting at the Midpoint of Its Trading Range - Gamma Exposure - https://www.siam.in/

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JM Financial Ltd. 52 Week Low Streak and Valuation View - Univest

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Google News Mon, 18 May 2026

Is Now The Time To Put JM Financial (NSE:JMFINANCIL) On Your Watchlist? - Simply Wall Street

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Google News Wed, 21 Oct 2026

JM Financial (JMFINANCIL.NS) Falls 3.21% to ₹113.48 as ₹107.81 Support Comes Into Focus - Price Surge Stocks - www.siam.in

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JMFINANCIL — Frequently Asked Questions

What is the current share price of JM Financial Limited (JMFINANCIL)?

As of 2026-10-23 04:58 IST, JM Financial Limited (JMFINANCIL) trades at ₹113.96 on NSE. Its 52-week range is ₹111.89 to ₹188.25.

What is the market capitalisation of JMFINANCIL?

JM Financial Limited (JMFINANCIL) has a market capitalisation of ₹10,906.03 Cr on NSE.

What is the P/E ratio of JMFINANCIL?

JMFINANCIL trades at a trailing price-to-earnings (P/E) ratio of 10.48. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.06.

Does JMFINANCIL pay a dividend?

JM Financial Limited (JMFINANCIL) currently offers a dividend yield of 1.40%.

What is the return on equity (ROE) of JMFINANCIL?

JMFINANCIL has a return on equity (ROE) of 11.28%.

Is JMFINANCIL a good stock to buy?

This page provides a data-driven analysis of JM Financial Limited (JMFINANCIL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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