JMFINANCIL
JM Financial Limited (JMFINANCIL) Stock Analysis
JM Financial Limited is a diversified financial services group offering investment banking, wealth, mortgage, and asset management. It advises corporates on capital markets and manages alternative funds. The company serves affluent and institutional clients. It is a listed financial conglomerate.
Financial Services › Capital Markets
₹120.40
-2.93% 1W | -31.90% 52W
Market Cap
11.5k CR
P/E Ratio
11
52W High
₹182.5
52W Low
₹112
Div. Yield
1.49%
Beta
0.4
50 DMA
₹126.7
200 DMA
₹128.4
Profit Margin
30.9%
Inst. Own.
50.1%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,067 | 1,197 | 1,236 | 1,261 | 1,077 | 1,191 | 1,106 | 1,004 | 1,111 | 1,031 | 999 | 949 | 1,201 |
| Expenses | 473 | 535 | 430 | 580 | 462 | 700 | 500 | 426 | 261 | 426 | 436 | 458 | 500 |
| Operating Profit | 594 | 663 | 806 | 681 | 615 | 491 | 607 | 578 | 850 | 605 | 563 | 491 | 700 |
| OPM % | 56% | 55% | 65% | 54% | 57% | 41% | 55% | 58% | 76% | 59% | 56% | 52% | 58% |
| Other Income | 14 | 17 | 25 | -831 | 17 | 21 | 14 | 23 | 10 | 13 | 105 | 20 | 24 |
| Interest | 366 | 388 | 400 | 407 | 370 | 343 | 318 | 274 | 251 | 254 | 248 | 246 | 247 |
| Depreciation | 12 | 13 | 14 | 14 | 16 | 15 | 16 | 16 | 17 | 19 | 20 | 22 | 22 |
| Profit before tax | 230 | 278 | 417 | -572 | 245 | 154 | 287 | 311 | 593 | 344 | 400 | 243 | 456 |
| Tax % | 24% | 26% | 23% | 18% | 24% | 6% | 28% | 25% | 23% | 26% | 24% | 34% | 19% |
| Net Profit | 177 | 206 | 322 | -674 | 187 | 144 | 207 | 235 | 459 | 262 | 318 | 162 | 369 |
| EPS in Rs | 1.74 | 2.04 | 2.91 | -2.39 | 1.79 | 2.43 | 2.19 | 2.19 | 4.75 | 2.82 | 3.27 | 1.73 | 3.05 |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,342 | 1,685 | 2,359 | 3,062 | 3,494 | 3,446 | 3,211 | 3,724 | 3,292 | 4,787 | 4,410 | 4,223 | 4,180 |
| Expenses | 448 | 459 | 582 | 767 | 743 | 933 | 1,009 | 1,296 | 1,170 | 2,017 | 2,087 | 1,581 | 1,821 |
| Operating Profit | 895 | 1,225 | 1,777 | 2,295 | 2,751 | 2,513 | 2,202 | 2,429 | 2,122 | 2,770 | 2,323 | 2,641 | 2,360 |
| OPM % | 67% | 73% | 75% | 75% | 79% | 73% | 69% | 65% | 64% | 58% | 53% | 63% | 56% |
| Other Income | 61 | -0 | -0 | 35 | 6 | 8 | 15 | 39 | 51 | -802 | 43 | 17 | 162 |
| Interest | 420 | 512 | 782 | 1,139 | 1,446 | 1,386 | 1,111 | 1,082 | 1,179 | 1,562 | 1,305 | 999 | 995 |
| Depreciation | 18 | 20 | 23 | 26 | 27 | 41 | 40 | 38 | 42 | 53 | 64 | 78 | 84 |
| Profit before tax | 517 | 693 | 972 | 1,165 | 1,283 | 1,094 | 1,067 | 1,348 | 953 | 353 | 997 | 1,580 | 1,443 |
| Tax % | 30% | 32% | 34% | 33% | 35% | 29% | 24% | 26% | 26% | 92% | 23% | 26% | |
| Net Profit | 379 | 526 | 649 | 785 | 837 | 778 | 808 | 992 | 709 | 31 | 774 | 1,201 | 1,111 |
| EPS in Rs | 4.22 | 5.08 | 5.92 | 7.17 | 6.81 | 6.48 | 6.19 | 8.10 | 6.26 | 4.29 | 8.59 | 12.57 | 10.87 |
| Dividend Payout % | 32% | 29% | 25% | 25% | 15% | 3% | 8% | 20% | 43% | 47% | 31% | 26% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 9.0% | 6.0% | 10.0% |
| Profit CAGR | 27.0% | 16.0% | 12.0% |
Shareholding Pattern
Promoters56.51%
FIIs17.69%
DIIs6.53%
Public19.27%
Promoters56.61%
FIIs18.38%
DIIs5.61%
Public19.42%
Promoters56.90%
FIIs17.71%
DIIs5.76%
Public19.64%
Promoters57.07%
FIIs17.16%
DIIs5.88%
Public19.89%
Promoters57.03%
FIIs16.95%
DIIs5.50%
Public20.54%
Promoters56.49%
FIIs21.24%
DIIs7.47%
Public14.80%
Promoters56.44%
FIIs18.19%
DIIs8.46%
Public16.91%
Promoters56.50%
FIIs17.48%
DIIs7.07%
Public18.94%
Promoters57.07%
FIIs17.16%
DIIs5.88%
Public19.89%
Promoters57.03%
FIIs16.95%
DIIs5.50%
Public20.54%
JMFINANCIL
Holdings Analysis
Key strengths & risk signals
63
Overall
87
Fundamental
40
Technical
Risks (4)
HIGH DEBT! D/E of 1.12 - caution advised.
POOR YEAR! Stock declined 31.9% in the last year.
WEAK POSITION! Current price (120.4) is below both moving averages.
WEAK! Trading at 11.9% of 52W range - near yearly lows.
Strengths (3)
EXCELLENT EFFICIENCY! 30.9% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
NEUTRAL! RSI at 42.3 - balanced momentum.
Fundamental & Technical Analysis
63Overall
87Fundamental
40Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 19.1% (VERY GOOD, 13/15). Profit CAGR: 26.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 30.9% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.42 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.49% yield - minimal income contribution.
Debt to Equity
4/10
HIGH DEBT! D/E of 1.12 - caution advised.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 15.19% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (126.7) is below 200-day average (128.4) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (120.4) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
0/10
POOR YEAR! Stock declined 31.9% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 2,173,581 vs down days: 2,343,020. Ratio: 0.93x
RSI
3/5
NEUTRAL! RSI at 42.3 - balanced momentum.
52W Range
1/5
WEAK! Trading at 11.9% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 2.9% (1 week), 3.3% (1 month), 3.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
JMFINANCIL
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-10 | Concall PDF | |
| Q4FY262026-06-04 | Concall PDF | |
| Q3FY262026-02-11 | Concall PDF | |
| Q2FY262025-11-10 | Concall PDF |
Peer Comparison
Financial Services · Capital Markets · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JMFINANCIL | ₹120.40 | 11 | 30.9% | 19.1% | 26.3% | -31.9% | 63 | APPROACHING SUPPORT | -35.7% | +76.5% | -10.3% | +33.1% |
| IIFLCAPS | ₹342.90 | 19.8 | 24.5% | 19.9% | 30.9% | +5.0% | 73 | APPROACHING RESISTANCE | +5.0% | +60.5% | -0.9% | -2.5% |
| IEX | ₹106.40 | 18.6 | 66.2% | 15.4% | 17.2% | -23.0% | 58 | BREAKDOWN | +11.7% | +3.9% | +11.4% | -9.4% |
| CHOICEIN | ₹735.70 | 65.3 | 20.2% | 42.3% | 53.6% | -12.5% | 73 | APPROACHING SUPPORT | +22.9% | -8.3% | +32.1% | +1.0% |
| SGFIN | ₹680.00 | 28.1 | 39.0% | 102.3% | 90.7% | +72.0% | 84 | BREAKOUT | +119.2% | +27.0% | +101.6% | +28.6% |
| SHAREINDIA | ₹195.20 | 11.8 | 25.6% | 9.6% | -0.5% | +33.4% | 66 | APPROACHING SUPPORT | +47.4% | +114.7% | +44.7% | -10.2% |
| MONARCH | ₹340.40 | 15.1 | 50.5% | 10.9% | 61.6% | +9.2% | 72 | APPROACHING SUPPORT | -0.2% | -0.9% | +47.1% | +29.6% |
| SMCGLOBAL | ₹117.40 | 23.8 | 6.2% | 16.0% | -1.0% | +72.3% | 72 | BREAKOUT | +24.6% | +75.4% | +22.8% | -1.2% |
Data from TradeAlone · Updated daily
