JAFINANCE

The stock has been placed in Additional Surveillance Measure (ASM) list LTASM - I.

JA Finance Ltd.

BSE: 543860

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

122.95+0.0 (+0.00%)

26 Aug, 3:30 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

83.2 / 100

Value Score

7.6 / 100

Price Momentum Score

14.8 / 100

QVM Score

19.5 / 100

Key Metrics

Market Cap

130.93

P/E (TTM)

242.24

P/B

6.35

P/S (TTM)

50.88

EV/EBITDA

65.50

CAPE (5Y)

186.52

ROE (TTM)

2.66

ROCE (TTM)

8.62

ROA (TTM)

2.27

Avg 3Y ROE

2.56

Earnings 3Y CAGR

10.23

Sales 3Y CAGR

8.56

Sales 5Y CAGR

9.24

Debt/Equity

0.12

Consensus TP

Strong Buy %

Promoter Holding

59.90

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of JA Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

High and improving operating margin

The company reported strong operating margin of 72.99% for 12-month ended 30 Jun 2026 and operating margin improved by 927 bps from 1 year ago

What is Operating profit margin?

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.12 as on 30 Jun 2026 and Debt to Equity decreased marginally by 0.08 in the last 1 year

What is Debt to Equity?

Negative

Expensive and at a premium to industry median P/B

PB of 6.35 indicates that the stock is expensive on a standalone basis and is at a 477.27% premium to industry median P/B

What is P/B Ratio?

Median: 1.1

Value 6.35

057.52

Weak price momentum

Price Momentum score of 14.8 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

14.8 / 100

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Low ROE but improving trend

The company reported low ROE of 2.66% for 12-month ended 30 Jun 2026 but ROE improved by 286 bps from 1 year ago

What is ROE (FY)?

Moderate revenue growth and in line with median growth of industry

The company delivered moderate revenue growth of 10.85% for 12-month ended 30 Jun 2026 and the growth was 0.06 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 10.91

Value 10.85

-2151.9255312.3

Financial Snapshot

See detailed analysis

Multi-year trends for JA Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

JA Finance Ltd. Shareholding Pattern

Quarterly breakdown of JA Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2013	Sep 2014	Mar 2023	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
Total Promoter	26.34	11.00	59.90	59.90	59.90	59.91	59.91	59.90	59.90	59.90	59.90	59.90	59.90	59.90	59.90	59.90
Indian Promoter	26.34	11.00	59.90	59.90	59.90	59.91	59.91	59.90	59.90	59.90	59.90	59.90	59.90	59.90	59.90	59.90
Foreign Promoter	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Mutual Funds / UTI	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Govt	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	73.66	89.00	40.10	40.10	40.10	40.09	40.09	40.10	40.10	40.10	40.10	40.10	40.10	40.10	40.10	40.10
Bodies Corporate	0.00	0.00	10.86	10.84	10.82	10.80	10.78	10.73	10.63	8.94	9.97	10.02	9.92	9.92	9.56	9.45
Others (incl. Retail) No. of shareholders	73.66 0	89.00 0	29.24 474	29.26 532	29.28 564	29.29 633	29.31 745	29.37 807	29.47 1,008	31.16 982	30.13 918	30.08 864	30.18 893	30.18 906	30.54 905	30.65 887

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in JA Finance Ltd. shares as reported to NSE and BSE.

No bulk, block or insider trade data available.

No corporate action data available.

Company Profile

Overview of JA Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

J.A. Finance Limited is an India-based non-banking financial company (NBFC). The Company is primarily engaged in the business of financing. The Company is engaged in the business of investing in securities of listed and unlisted entities and providing loans and advances to SMEs. The Company is focus...

Incorporated on

30 Apr 1993

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

IPO date

05 Apr 2023

Free Float

21,55,709

Website

https://www.jafinance.co.in/

Phone no.

+913322482545

Address

Purwani Chambers,, 1st Floor, 7B Kiran Shankar Road,, KOLKATA, 700001, India

Frequently Asked Questions

What is the current share price of JA Finance Ltd.?

The current share price of JA Finance Ltd. is ₹ 122.95 as of 26 Aug 2026.

What is the market capitalisation of JA Finance Ltd.?

The market capitalisation of JA Finance Ltd. stands at ₹ 130.93 Cr.

What is the PE ratio of JA Finance Ltd.?

The Price-to-Earnings (PE) ratio of JA Finance Ltd. is 242.24 as of the latest trailing twelve months data.

What is the ROE and ROCE of JA Finance Ltd.?

JA Finance Ltd. has a Return on Equity (ROE) of 2.66% and a Return on Capital Employed (ROCE) of 8.62% as per the latest financial reports.

What is the 52-week high and low of JA Finance Ltd.?

The 52-week high of JA Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of JA Finance Ltd.?

The dividend yield of JA Finance Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in JA Finance Ltd.?

Foreign Institutional Investors (FII) hold 0.00%, Domestic Institutional Investors (DII) hold 0.00% and retail/public investors hold 30.65% of JA Finance Ltd. shares.

What sector does JA Finance Ltd. belong to?

JA Finance Ltd. operates in the Financial Services sector.

What is the beta of JA Finance Ltd.?

The beta of JA Finance Ltd. is 0.49, indicating its price volatility relative to the broader market.

What is the RSI of JA Finance Ltd.?

The 14-day Relative Strength Index (RSI) of JA Finance Ltd. is 71.36, placing it in the overbought zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

JA Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

JA Finance Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Company Profile

Frequently Asked Questions

Stock Analysis

Company Profile