JMJFIN

JMJ Fintech Ltd.

BSE: 538834

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

9.44-0.1 (-0.84%)

10 Jul, 12:00 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

Score not available

Value Score

Score not available

Price Momentum Score

Score not available

QVM Score

Score not available

Key Metrics

Market Cap

36.25

P/E (TTM)

4.77

P/B

0.65

P/S (TTM)

1.66

EV/EBITDA

4.14

CAPE (5Y)

9.10

ROE (TTM)

19.08

ROCE (TTM)

20.16

ROA (TTM)

11.04

Avg 3Y ROE

20.20

Earnings 3Y CAGR

74.00

Sales 3Y CAGR

78.93

Sales 5Y CAGR

67.86

Debt/Equity

0.58

Consensus TP

Strong Buy %

Promoter Holding

23.27

Pledged %

0.00

Stock Analysis

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

Views

Red Flags

Positive

Stock is cheap and PB is at a discount to industry median

PB of 0.65 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is decent at -42.48%

What is P/B Ratio?

Median: 1.13

Value 0.65

058.95

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 27.47% for 12-month ended 31 Mar 2026 and the growth was 16.42 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11.05

Value 27.47

-519.5340214.8

Low and declining Debt to Equity

The company has low Debt to Equity of 0.58 as on 31 Mar 2026 and Debt to Equity decreased by 0.27 in the last 1 year

What is Debt to Equity?

Negative

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -12.57% for 12-month ended 31 Mar 2026 and the growth was 12.57 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Neutral

High ROE but declining trend

The company reported strong ROE of 19.08% for 12-month ended 31 Mar 2026 but ROE declined by -730 bps from 1 year ago

What is ROE (FY)?

High operating margin but declining trend

The company reported strong operating margin of 60.97% for 12-month ended 31 Mar 2026 but operating margin declined by -328 bps from 1 year ago

What is Operating profit margin?

Moderate dividend yield

The company has a moderate dividend yield of 2.65%

What is Dividend yield?

Financial Snapshot

See detailed analysis

Multi-year trends for JMJ Fintech 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

JMJ Fintech Ltd. Shareholding Pattern

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

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	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
Total Promoter	2.48	2.48	2.48	2.48	2.48	2.48	2.48	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	14.50	14.50	14.50	23.27	23.27	23.27
Indian Promoter	2.48	2.48	2.48	2.48	2.48	2.48	2.48	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	23.56	14.50	14.50	14.50	23.27	23.27	23.27
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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
Mutual Funds / UTI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
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	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	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Non-Institution	97.52	97.52	97.52	97.52	97.52	97.52	97.52	76.44	76.44	76.44	76.44	76.44	76.44	76.44	76.44	76.44	76.44	76.44	76.44	85.50	85.50	85.50	76.73	76.73	76.73
Bodies Corporate	4.68	4.30	4.23	4.23	4.23	4.23	11.36	3.44	3.52	3.85	5.41	9.92	6.00	4.02	5.28	3.90	3.88	3.84	3.83	4.46	6.15	6.20	3.10	3.10	3.01
Others (incl. Retail) No. of shareholders	92.84 4,062	93.22 4,060	93.29 4,079	93.29 4,013	93.29 3,955	93.29 3,948	86.16 3,920	73.00 4,118	72.92 4,108	72.59 4,057	71.03 3,978	66.52 3,894	70.44 3,908	72.42 3,896	71.16 4,380	72.54 4,596	72.56 4,849	72.60 4,947	72.61 5,741	81.04 5,764	79.35 5,667	79.30 6,093	73.63 7,684	73.63 8,128	73.72 8,281

Bulk, Block and Insider Trades

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

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
JOHNY M L Promoter	March-2024	Off Market (Acquisition) 1st Mar 2024	11.39 %	₹ 23.00	4.40 lac	₹ 1.01 cr
SAJEETH MOHAMMED SALIM Promoter	March-2024	Off Market (Disposal) 1st Mar 2024	12.17 %	₹ 23.00	4.40 lac	₹ 1.01 cr
Mr. Disola Jose Koodaly Promoter	December-2021	Off Market (Acquisition) 7th Dec 2021	5.64 %	₹ 9.50	6.60 k	₹ 62.70 k
STANLEY GILBERT FELIX MELKHASINGH Promoter & Director	December-2021	Off Market (Disposal) 4th Dec 2021	0.05 %	₹ 9.50	6.60 k	₹ 62.70 k
Mr. Disola Jose Koodaly Promoter	December-2021	Off Market (Acquisition) 3rd Dec 2021	5.20 %	₹ 9.50	54.78 k	₹ 5.20 lac
Mr. M L Johny Promoter	December-2021	Off Market (Acquisition) 3rd Dec 2021	5.20 %	₹ 9.50	61.38 k	₹ 5.83 lac
Mr. Sajeeth Mohammed Salim Promoter	December-2021	Off Market (Acquisition) 3rd Dec 2021	10.69 %	₹ 9.50	1.84 lac	₹ 17.49 lac
ANURODH MERCHANDISE PRIVATE LIMITED Promoter	December-2021	Off Market (Disposal) 1st Dec 2021	2.42 %	₹ 9.50	3.00 lac	₹ 28.53 lac
Mr. Disola Jose Koodaly Promoter	November-2021	Market Purchase (Acquisition) 25th Nov 2021	0.00 %	₹ 9.50	6.45 lac	₹ 61.26 lac
Mr. M L Johny Promoter	November-2021	Market Purchase (Acquisition) 25th Nov 2021	0.00 %	₹ 9.50	6.45 lac	₹ 61.26 lac

Corporate Actions

History of JMJ Fintech Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.25/share
Record date: 18th Sep 2025Ex-date: 18th Sep 2025
Announced on: 12th Aug 2025
Rights Issue(2 new shares @ ₹10.5 for 1 existing shares)
Ex-date: 11th Jul 2025Announced on: 16th Jun 2025
"Rights ISIN INE242Q20016 CINS Y445SK113 SEDOL BT8PJ68."

Company Profile

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

JMJ Fintech Limited is an India-based non-deposit taking Non-Banking Financial Company (NBFC). The Company offers financial services to corporate clients and high-net worth individuals. It focuses on the small and medium enterprise (SMEs) sector and offers loans to cater to the various needs of diff...

Key personnel

Mr. Justin Thomas O

Chief Financial Officer

Mrs. Vidhya Damodaran

Compliance Officer, Company Secretary

Mr. Joju Madathumady JohnyD

Managing Director, Director

Mr. Johny Madathumpady LonappanD

Whole-Time Director

Mr. Sivadas ChettoorD

Independent Director

Mr. Velayudhanpillai HarikumarD

Independent Director

Mr. Zackariya JalalD

Independent Director

Ms. Sree KalaD

Independent Director

View all

Incorporated on

27 Nov 1982

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

17 Dec 2014

Free Float

2,25,52,012

Website

http://www.melnbfc.com/

Phone no.

+917395922291

Address

SHOP NO. 3, 1ST FLOOR, ADHI VINAYAGA COMPLEX, NO. 3, BUS STAND, GOPALSAMY TEMPLE STREET, GANAPATY, COIMBATORE, GANAPATHY, COIMBATORE,, , 641006, India

Frequently Asked Questions

What is the current share price of JMJ Fintech Ltd.?

The current share price of JMJ Fintech Ltd. is ₹ 9.44 as of 10 Jul 2026.

What is the market capitalisation of JMJ Fintech Ltd.?

The market capitalisation of JMJ Fintech Ltd. stands at ₹ 36.25 Cr.

What is the PE ratio of JMJ Fintech Ltd.?

The Price-to-Earnings (PE) ratio of JMJ Fintech Ltd. is 4.77 as of the latest trailing twelve months data.

What is the ROE and ROCE of JMJ Fintech Ltd.?

JMJ Fintech Ltd. has a Return on Equity (ROE) of 19.08% and a Return on Capital Employed (ROCE) of 20.16% as per the latest financial reports.

What is the 52-week high and low of JMJ Fintech Ltd.?

The 52-week high of JMJ Fintech Ltd. is - and the 52-week low is -.

What is the dividend yield of JMJ Fintech Ltd.?

The dividend yield of JMJ Fintech Ltd. is 2.65% based on the current market price.

What is the FII and DII holding in JMJ Fintech Ltd.?

Foreign Institutional Investors (FII) hold 0.00%, Domestic Institutional Investors (DII) hold 0.00% and retail/public investors hold 73.72% of JMJ Fintech Ltd. shares.

What sector does JMJ Fintech Ltd. belong to?

JMJ Fintech Ltd. operates in the Financial Services sector.

What is the beta of JMJ Fintech Ltd.?

The beta of JMJ Fintech Ltd. is 0.94, indicating its price volatility relative to the broader market. Over the past 1 year, JMJ Fintech Ltd. has delivered an absolute return of -47.20%.

What is the RSI of JMJ Fintech Ltd.?

The 14-day Relative Strength Index (RSI) of JMJ Fintech Ltd. is 33.96, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

JMJ Fintech Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

JMJ Fintech Ltd. Shareholding Pattern

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Company Profile

Corporate Actions

Stock Analysis