JM Financial Limited Logo

JM Financial Limited

JMFINANCIL.NS

(2.0)
Stock Price

129,05 INR

0% ROA

4.67% ROE

28.58x PER

Market Cap.

131.263.254.360,00 INR

0% DER

1.46% Yield

11.83% NPM

JM Financial Limited Stock Analysis

JM Financial Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

JM Financial Limited Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

2 ROE

ROE in an average range (7.9%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (2.3%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 PBV

The stock's PBV ratio (1.04x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (305), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The stock is burdened with a heavy load of debt (176%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

JM Financial Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

JM Financial Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

JM Financial Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

JM Financial Limited Revenue
Year Revenue Growth
2006 4.362.100.000
2007 7.094.600.000 38.52%
2008 4.054.400.000 -74.99%
2009 5.400.300.000 24.92%
2010 6.536.800.000 17.39%
2011 5.801.300.000 -12.68%
2012 6.652.800.000 12.8%
2013 6.988.400.000 4.8%
2014 9.828.400.000 28.9%
2015 11.725.700.000 16.18%
2016 15.751.900.000 25.56%
2017 20.902.900.000 24.64%
2018 20.181.600.000 -3.57%
2019 20.652.700.000 2.28%
2020 21.209.500.000 2.63%
2021 26.715.600.000 20.61%
2022 20.690.000.000 -29.12%
2023 27.960.400.000 26%
2023 48.321.600.000 42.14%
2024 43.754.800.000 -10.44%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

JM Financial Limited Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

JM Financial Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 459.200.000
2007 596.700.000 23.04%
2008 550.200.000 -8.45%
2009 545.300.000 -0.9%
2010 661.500.000 17.57%
2011 1.780.600.000 62.85%
2012 1.861.500.000 4.35%
2013 1.682.700.000 -10.63%
2014 1.880.300.000 10.51%
2015 1.695.700.000 -10.89%
2016 2.178.200.000 22.15%
2017 2.463.100.000 11.57%
2018 2.866.500.000 14.07%
2019 4.984.900.000 42.5%
2020 5.457.700.000 8.66%
2021 7.047.200.000 22.56%
2022 4.521.800.000 -55.85%
2023 6.877.200.000 34.25%
2023 14.915.700.000 53.89%
2024 2.848.400.000 -423.65%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

JM Financial Limited EBITDA
Year EBITDA Growth
2006 1.899.800.000
2007 17.995.400.000 89.44%
2008 -663.700.000 2811.38%
2009 2.134.500.000 131.09%
2010 2.403.100.000 11.18%
2011 4.860.300.000 50.56%
2012 6.469.300.000 24.87%
2013 6.125.800.000 -5.61%
2014 9.251.600.000 33.79%
2015 11.552.800.000 19.92%
2016 16.103.200.000 28.26%
2017 22.400.500.000 28.11%
2018 10.184.900.000 -119.94%
2019 8.609.600.000 -18.3%
2020 8.509.300.000 -1.18%
2021 11.288.300.000 24.62%
2022 8.411.400.000 -34.2%
2023 11.219.600.000 25.03%
2023 21.247.300.000 47.2%
2024 13.358.000.000 -59.06%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

JM Financial Limited Gross Profit
Year Gross Profit Growth
2006 4.362.100.000
2007 7.094.600.000 38.52%
2008 4.054.400.000 -74.99%
2009 5.400.300.000 24.92%
2010 6.536.800.000 17.39%
2011 5.801.300.000 -12.68%
2012 6.652.800.000 12.8%
2013 6.988.400.000 4.8%
2014 9.828.400.000 28.9%
2015 11.725.700.000 16.18%
2016 15.751.900.000 25.56%
2017 19.571.400.000 19.52%
2018 18.580.600.000 -5.33%
2019 18.961.500.000 2.01%
2020 19.054.800.000 0.49%
2021 23.821.900.000 20.01%
2022 17.705.900.000 -34.54%
2023 27.960.400.000 36.68%
2023 32.176.100.000 13.1%
2024 24.808.800.000 -29.7%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

JM Financial Limited Net Profit
Year Net Profit Growth
2006 1.229.100.000
2007 13.342.200.000 90.79%
2008 -1.079.800.000 1335.62%
2009 1.540.800.000 170.08%
2010 1.750.900.000 12%
2011 1.211.700.000 -44.5%
2012 1.829.200.000 33.76%
2013 2.095.300.000 12.7%
2014 3.305.200.000 36.61%
2015 4.004.600.000 17.46%
2016 4.702.000.000 14.83%
2017 6.309.200.000 25.47%
2018 5.721.800.000 -10.27%
2019 5.449.800.000 -4.99%
2020 5.901.400.000 7.65%
2021 7.731.600.000 23.67%
2022 5.972.900.000 -29.44%
2023 7.797.600.000 23.4%
2023 4.098.400.000 -90.26%
2024 6.828.000.000 39.98%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

JM Financial Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2007 17 94.12%
2008 -1 1800%
2009 2 150%
2010 2 0%
2011 2 -100%
2012 2 50%
2013 3 0%
2014 4 50%
2015 5 20%
2016 6 0%
2017 8 28.57%
2018 7 -16.67%
2019 6 0%
2020 6 0%
2021 8 25%
2022 6 -33.33%
2023 8 25%
2023 4 -100%
2024 7 42.86%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

JM Financial Limited Free Cashflow
Year Free Cashflow Growth
2006 2.977.600.000
2007 -8.066.300.000 136.91%
2008 4.179.100.000 293.02%
2009 -13.982.500.000 129.89%
2010 -8.208.600.000 -70.34%
2011 3.756.100.000 318.54%
2012 -4.827.300.000 177.81%
2013 9.446.800.000 151.1%
2014 -19.548.500.000 148.32%
2015 -9.240.100.000 -111.56%
2016 -22.127.600.000 58.24%
2017 -20.255.600.000 -9.24%
2018 7.511.000.000 369.68%
2019 31.541.700.000 76.19%
2020 9.629.300.000 -227.56%
2021 -32.200.600.000 129.9%
2022 -25.732.600.000 -25.14%
2023 24.614.000.000 204.54%
2023 0 0%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

JM Financial Limited Operating Cashflow
Year Operating Cashflow Growth
2006 3.121.600.000
2007 -7.828.600.000 139.87%
2008 4.373.700.000 278.99%
2009 -13.874.700.000 131.52%
2010 -8.118.300.000 -70.91%
2011 3.830.600.000 311.93%
2012 -4.731.700.000 180.96%
2013 10.577.900.000 144.73%
2014 -17.170.900.000 161.6%
2015 -9.042.300.000 -89.9%
2016 -21.494.700.000 57.93%
2017 -20.039.500.000 -7.26%
2018 7.721.200.000 359.54%
2019 31.641.300.000 75.6%
2020 9.692.900.000 -226.44%
2021 -32.030.300.000 130.26%
2022 -24.487.300.000 -30.8%
2023 25.151.300.000 197.36%
2023 0 0%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

JM Financial Limited Capital Expenditure
Year Capital Expenditure Growth
2006 144.000.000
2007 237.700.000 39.42%
2008 194.600.000 -22.15%
2009 107.800.000 -80.52%
2010 90.300.000 -19.38%
2011 74.500.000 -21.21%
2012 95.600.000 22.07%
2013 1.131.100.000 91.55%
2014 2.377.600.000 52.43%
2015 197.800.000 -1102.02%
2016 632.900.000 68.75%
2017 216.100.000 -192.87%
2018 210.200.000 -2.81%
2019 99.600.000 -111.04%
2020 63.600.000 -56.6%
2021 170.300.000 62.65%
2022 1.245.300.000 86.32%
2023 537.300.000 -131.77%
2023 0 0%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

JM Financial Limited Equity
Year Equity Growth
2006 7.257.500.000
2007 19.709.700.000 63.18%
2008 18.718.900.000 -5.29%
2009 19.839.700.000 5.65%
2010 21.194.200.000 6.39%
2011 22.009.500.000 3.7%
2012 22.009.500.000 0%
2013 23.621.100.000 6.82%
2014 31.975.700.000 26.13%
2015 35.780.200.000 10.63%
2016 44.418.800.000 19.45%
2017 57.929.100.000 23.32%
2018 77.661.400.000 25.41%
2019 81.344.300.000 4.53%
2020 96.760.500.000 15.93%
2021 106.256.400.000 8.94%
2022 112.698.500.000 5.72%
2023 110.560.300.000 -1.93%
2023 114.002.200.000 3.02%
2024 110.560.300.000 -3.11%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

JM Financial Limited Assets
Year Assets Growth
2006 16.930.700.000
2007 36.981.600.000 54.22%
2008 23.673.500.000 -56.22%
2009 43.291.900.000 45.32%
2010 59.756.700.000 27.55%
2011 69.982.800.000 14.61%
2012 69.982.800.000 0%
2013 59.300.500.000 -18.01%
2014 85.048.600.000 30.27%
2015 110.609.300.000 23.11%
2016 165.583.800.000 33.2%
2017 215.603.100.000 23.2%
2018 226.351.400.000 4.75%
2019 207.455.200.000 -9.11%
2020 233.748.400.000 11.25%
2021 258.145.000.000 9.45%
2022 293.704.400.000 12.11%
2023 297.636.000.000 1.32%
2023 314.713.400.000 5.43%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

JM Financial Limited Liabilities
Year Liabilities Growth
2006 9.673.200.000
2007 17.271.900.000 43.99%
2008 4.954.600.000 -248.6%
2009 23.452.200.000 78.87%
2010 38.562.500.000 39.18%
2011 47.973.300.000 19.62%
2012 47.973.300.000 0%
2013 35.679.400.000 -34.46%
2014 53.072.900.000 32.77%
2015 74.829.100.000 29.07%
2016 121.165.000.000 38.24%
2017 157.674.000.000 23.15%
2018 148.690.000.000 -6.04%
2019 126.110.900.000 -17.9%
2020 136.987.900.000 7.94%
2021 151.888.600.000 9.81%
2022 181.005.900.000 16.09%
2023 187.075.700.000 3.24%
2023 200.711.200.000 6.79%
2024 0 0%

JM Financial Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
40.61
Net Income per Share
4.81
Price to Earning Ratio
28.58x
Price To Sales Ratio
3.38x
POCF Ratio
244.53
PFCF Ratio
244.53
Price to Book Ratio
1.19
EV to Sales
3.38
EV Over EBITDA
7.81
EV to Operating CashFlow
244.53
EV to FreeCashFlow
244.53
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
131,26 Bil.
Enterprise Value
131,26 Bil.
Graham Number
111.84
Graham NetNet
0

Income Statement Metrics

Net Income per Share
4.81
Income Quality
0.13
ROE
0.05
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
1.25
EBT Per Ebit
0.23
Ebit per Revenue
0.42
Effective Tax Rate
0.9

Margins

Sales, General, & Administrative to Revenue
0.37
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.56
Operating Profit Margin
0.42
Pretax Profit Margin
0.09
Net Profit Margin
0.12

Dividends

Dividend Yield
0.01
Dividend Yield %
1.46
Payout Ratio
0
Dividend Per Share
2

Operating Metrics

Operating Cashflow per Share
0.56
Free CashFlow per Share
0.56
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
115.68
Interest Debt per Share
16.38
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
2,84 Bil.
Average Payables
6,58 Bil.
Average Inventory
714350000
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

JM Financial Limited Dividends
Year Dividends Growth
2007 2
2008 10 80%
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 2 0%
2018 2 0%
2019 1 0%
2020 0 0%
2021 1 0%
2022 3 100%
2023 1 0%
2024 2 100%

JM Financial Limited Profile

About JM Financial Limited

JM Financial Limited provides various integrated and diversified financial services to corporations, financial institutions, high net-worth individuals, and retail customers in India. The company operates through four segments: Investment Bank, Mortgage Lending, Alternative & Distressed Credit, and Asset Management, Wealth Management & Securities Business (Platform AWS). The Investment Bank segment manages capital markets transactions, as well as advises on mergers and acquisitions, and private equity syndication. This segment also engages in institutional equities business and research, private equity funds, fixed income, syndication, and finance. The Mortgage Lending segment provides finance against commercial and residential real estate to a range of corporates and non-corporate clients. This segment also engages in educational institutions lending and housing finance businesses. The Alternative & Distressed Credit segment provides securitization and reconstruction of financial assets and manages alternative credit funds. The Platform AWS segment provides investment advisory and distribution services, which include equity brokerage, wealth management, and capital market lending for wealth management and broking clients, as well as distributes financial products; and manages mutual fund assets through various schemes. JM Financial Limited was founded in 1973 and is headquartered in Mumbai, India.

CEO
Ms. Sonia Dasgupta
Employee
290
Address
Cnergy
Mumbai, 400025

JM Financial Limited Executives & BODs

JM Financial Limited Executives & BODs
# Name Age
1 Mr. Hemant Vijay Pandya
Company Secretary & Compliance Officer
70
2 Mr. Anil Salvi
MD and Group Head of Human Resources & Administration and Chief Executive Officer of RE Consulting
70
3 Mr. Adi Patel
MD & Additional Director
70
4 Mr. Nishit Shah
MD & Chief Financial Officer
70
5 Mr. Nirav Gandhi
Chief Operating Officer and Co-Head of Investment Advisory & Distribution
70
6 Ms. Sonia Dasgupta
MD & Chief Executive Officer of Investment Banking
70
7 Mr. Richard Liu
MD and Head of Research & Institutional Equities
70
8 Mr. Chintan Maniar
MD and Head of Sales & Trading Institutional Equities
70
9 Mr. Manish C. Sheth
MD & Chief Executive Officer of JM Financial Home Loans Limited
70
10 Mr. Ranganath Char
MD & Chief Operating Officer of Real Estate Advisory
70

JM Financial Limited Competitors