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KJMC Financial Services Limited KJMCFIN NSEFINANCIAL

Financial Services · Capital Markets · India
https://www.kjmcfinserv.com
Company Profile ↓
₹63.14
+1.86% 1Y
Mkt Cap₹30.22 Cr
P/E17.69
P/B0.38
52W High₹79.70
52W Low₹55.35
Book Value₹208.99
EPS (TTM)₹3.57

Company Overview

KJMC Financial Services Limited, a non-banking financial company, primarily engages in the business of investing/trading in securities and advancing personal and commercial loans in India. The company offers short term loans to corporates and individuals; co-lending/loan transfers; MSME loans; distributes third party loan products, such as home, business, and machinery loans, as well as construction finance and loans against property and shares; and fund based financial services and funding solutions. It also invests in listed and unlisted securities. The company serves retail, MSME, and commercial customers. The company was incorporated in 1988 and is based in Mumbai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 94.8% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 31.1% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 17.7, below the sector median of 19.6.

Healthy Margins

Maintains a net profit margin of 26.1%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.13.

Recent Developments

  • Mar 2026 Revenue of ₹6.50 Cr (+32.1% YoY); net profit ₹1.70 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +32.1%, earnings +100.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 31.1%, profit CAGR 94.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:31.10%
1 Year:32.08%

Compounded Profit Growth

5 Years:94.76%
1 Year:100.16%

Stock Price Performance

1 Year:+1.86%
6 Months:-
3 Months:-
1 Month:-

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

Technical Snapshot
52-Week Range 32% of range
₹55.35 ₹79.70
Price Performance
1Y+1.86%
Valuation vs Sector

P/E of 17.69 is below the sector median of 19.62 — 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 26.1%.
  • Compounding revenue at 31.1% over 5 years.
  • Profit CAGR of 94.8% over 5 years.

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
17.69
Industry PE
19.62
Forward P/E est.
8.85
PEG Ratio
-
Book Value
₹208.99
Price to Book
0.38
P/S
5.87
EV/EBITDA
8.80
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
31.10%
Profit 5Y
94.76%
Revenue (YoY)
32.08%
Earnings (YoY)
100.16%

Profitability & Returns

ROCE
2.61%
ROE
1.70%
ROA
1.31%
Profit Margin
26.13%
Op Margin
51.94%
Gross Margin
85.74%
EPS (Latest Qtr)
₹-
EPS (TTM)
₹3.57

Balance Sheet & Liquidity

Debt/Equity
0.13
Quick Ratio
-
Current Ratio
301.13
Debt
₹13.32 Cr
Total Assets
₹129.58 Cr
Current Assets
₹11.65 Cr
Working Capital
₹11.62 Cr

Ownership

Promoter Holding
78.35%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹30.22 Cr
Total Revenue (TTM)
₹6.50 Cr
EBITDA
₹4.22 Cr
Free Cash Flow
₹-10.23 Cr
Operating Cash Flow
₹-9.60 Cr
Shares Outstanding
₹47.86 L
Gross Margin
85.74%
Payout Ratio
0.00%

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 KJMCFIN KJMC Financial Services Limited NSEFINANCIAL 63.14 17.69 ₹30.22 Cr 0.00% 2.61% 1.70% 31.10% 94.76%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
7 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
8 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -4.59 L2.14 Cr1.57 Cr1.60 Cr87.44 L
Cost of Revenue -22.28 L22.15 L17.28 L26.12 L23.94 L
Gross Profit --17.69 L1.91 Cr1.40 Cr1.34 Cr63.50 L
Operating Expenses -32.00 L38.16 L56.58 L59.48 L55.55 L
Operating Income --49.69 L1.53 Cr83.21 L74.03 L7.95 L
EBITDA --11.35 L1.71 Cr1.22 Cr94.27 L27.50 L
Interest Expense -34.00 L18.27 L25.52 L42.54 L39.33 L
Pretax Income --56.54 L1.43 Cr86.32 L38.12 L-24.78 L
Tax Provision --9.57 L34.63 L19.47 L16.18 L1.46 L
Net Income --48.37 L1.08 Cr66.16 L22.49 L-27.07 L
Diluted EPS ------

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -2.88 Cr4.63 Cr4.92 Cr6.50 Cr
Cost of Revenue -1.16 Cr1.10 Cr1.02 Cr92.71 L
Gross Profit -1.73 Cr3.53 Cr3.90 Cr5.57 Cr
Operating Expenses -1.85 Cr1.52 Cr2.19 Cr2.20 Cr
Operating Income --12.37 L2.01 Cr1.71 Cr3.38 Cr
EBITDA -29.69 L2.42 Cr2.60 Cr4.22 Cr
Interest Expense -75.05 L69.04 L84.37 L1.26 Cr
Pretax Income --65.52 L1.43 Cr1.31 Cr2.50 Cr
Tax Provision -26.34 L46.93 L39.05 L77.58 L
Net Income --92.16 L86.18 L84.85 L1.70 Cr
Diluted EPS --1.931.801.773.57

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -97.17 Cr148.89 Cr198.11 Cr129.58 Cr
Current Assets -90.06 Cr136.95 Cr182.92 Cr11.65 Cr
Cash & Equivalents -41.42 L31.84 L37.90 L11.25 L
Inventory -----
Receivables -----
Total Liabilities -13.65 Cr17.01 Cr25.03 Cr27.45 Cr
Current Liabilities -86.11 L95.35 L64.62 L3.87 L
Long Term Debt -7.45 Cr6.06 Cr3.57 Cr13.32 Cr
Total Debt -8.13 Cr6.90 Cr4.08 Cr13.32 Cr
Total Equity -83.52 Cr131.88 Cr173.08 Cr100.02 Cr
Shares Outstanding -47.86 L47.86 L47.86 L47.86 L

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --3.51 Cr3.38 Cr1.39 Cr-9.60 Cr
Investing Cash Flow -74.26 L-1.56 Cr2.33 Cr1.34 Cr
Financing Cash Flow -2.83 Cr-1.92 Cr-3.66 Cr7.98 Cr
Capital Expenditure --27.17 L-3.00 L-2.77 L-63.65 L
Free Cash Flow --3.79 Cr3.35 Cr1.36 Cr-10.23 Cr
Net Change in Cash -5.54 L-9.58 L6.06 L-27.65 L

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -59.9%76.2%79.3%85.7%
Operating Margin % --4.3%43.4%34.8%51.9%
Net Margin % --31.9%18.6%17.2%26.1%
ROE % --1.1%0.7%0.5%1.7%
ROCE % --0.1%1.4%0.9%2.6%

Shareholding Pattern

Insiders
78.35%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for KJMCFIN

Google News Wed, 19 Aug 2026

KJMC Financial Services Ltd. (KJMCFIN) Share Price Today, Quote, Latest Discussions, Interactive Chart and News - Stocktwits

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Google News Wed, 19 Aug 2026

KJMC Financial Services Ltd. (KJMCFIN) Fundamental and Financial Data - Stocktwits

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Google News Sat, 29 Aug 2026

KJMC Financial Services Ltd. Peer Comparison – Compare with Others - Value Research

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Google News Wed, 19 Aug 2026

KJMC Financial Services Ltd. (KJMCFIN) sentiment score, message volume, participation score and buzz level - Stocktwits

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Google News hu, 24 Mar 2022

KJMC Financial Services Ltd. Share Price Today | KJMC Fin Services Live NSE/BSE - Value Research

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KJMCFIN — Frequently Asked Questions

What is the current share price of KJMC Financial Services Limited (KJMCFIN)?

As of 2026-09-08 04:53 IST, KJMC Financial Services Limited (KJMCFIN) trades at ₹63.14 on NSE. Its 52-week range is ₹55.35 to ₹79.70.

What is the market capitalisation of KJMCFIN?

KJMC Financial Services Limited (KJMCFIN) has a market capitalisation of ₹30.22 Cr on NSE.

What is the P/E ratio of KJMCFIN?

KJMCFIN trades at a trailing price-to-earnings (P/E) ratio of 17.69. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 0.38.

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

KJMCFIN has a return on equity (ROE) of 1.70%. Its return on capital employed (ROCE) is 2.61%.

Is KJMCFIN a good stock to buy?

This page provides a data-driven analysis of KJMC Financial Services Limited (KJMCFIN), 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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