JMJ Fintech

Why is JMJ Fintech Ltd falling/rising?

As of 01-Jul, JMJ Fintech Ltd's stock price is at 9.83, reflecting a 0.41% decrease and a total decline of 1.89% over the last four days. The stock has significantly underperformed, with a year-to-date drop of 35.29% and a 71.34% decline over the past year, while trading below all moving averages and experiencing a substantial decrease in investor participation.

As of 01-Jul, JMJ Fintech Ltd's stock price is falling, currently at 9.83, which reflects a decrease of 0.04 or 0.41%. The stock has been underperforming significantly, with a consecutive decline over the last four days, resulting in a total drop of 1.89% during this period. Additionally, the stock has shown poor performance over various time frames, with a year-to-date decline of 35.29% and a staggering 71.34% drop over the past year, compared to the Sensex which has only decreased by 9.74% in the same timeframe.<BR><BR>The stock is also trading below its moving averages across all time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Furthermore, there has been a significant decrease in investor participation, with delivery volume dropping by 82.1% compared to the 5-day average, suggesting a lack of interest or confidence among investors. Overall, these factors contribute to the ongoing decline in JMJ Fintech Ltd's stock price.

Which are the latest news on JMJ Fintech?

How big is JMJ Fintech?

As of 10th June, JMJ Fintech Ltd has a market capitalization of 36.00 Cr, with Net Sales of 21.61 Cr and a Net Profit of 7.60 Cr reported over the latest 4 quarters. Shareholder's Funds are 23.63 Cr and Total Assets amount to 48.04 Cr as of March 2025.

As of 10th June, JMJ Fintech Ltd has a market capitalization of 36.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest 4 quarters, JMJ Fintech reported Net Sales of 21.61 Cr and a Net Profit of 7.60 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 23.63 Cr and Total Assets of 48.04 Cr.

Who are in the management team of JMJ Fintech?

The management team of JMJ Fintech includes Chairman and CEO Johny Madathumpady Lonappan, Managing Director Joju Madathumpady Johny, and several Independent Non-Executive Directors: Ramakrishnan Areekuzhiyil, SIVADAS CHETTOOR, Julie G Varghese, Pradeep Kumar Chellappan Kamalakshi, and Jose Kutty V A. This team combines executive leadership with independent oversight.

The management team of JMJ Fintech includes the following individuals:<BR><BR>1. **Johny Madathumpady Lonappan** - Chairman, Executive Director & CEO<BR>2. **Joju Madathumpady Johny** - Managing Director<BR>3. **Ramakrishnan Areekuzhiyil** - Independent Non-Executive Director<BR>4. **SIVADAS CHETTOOR** - Independent Non-Executive Director<BR>5. **Julie G Varghese** - Independent Non-Executive Director<BR>6. **Pradeep Kumar Chellappan Kamalakshi** - Independent Non-Executive Director<BR>7. **Jose Kutty V A** - Independent Director<BR><BR>This team brings a mix of executive leadership and independent oversight to the company.

Who are the peers of the JMJ Fintech?

JMJ Fintech's peers include Ajcon Global, Glance Finance, Sugal & Damani, and Amrapali Capital, among others. In terms of management risk, growth, and capital structure, JMJ Fintech ranks well, but its 1-year return of -65.44% is lower than peers like Amrapali Capital, which has the highest return at 97.42%.

Peers: The peers of JMJ Fintech are Ajcon Global, Glance Finance, Supra Trends, Nagreeka Cap., Sugal & Damani, MPIL Corporation, Swati Projects, Biogen Pharma, Shyamkamal Inv, and Amrapali Capital.<BR><BR>Quality Snapshot: Excellent management risk is observed at JMJ Fintech, Sugal & Damani, and Swati Projects, while Average management risk is found at Nagreeka Cap., Glance Finance, and Shyamkamal Inv, and the rest. Below Average management risk is present at Ajcon Global, Supra Trends, Biogen Pharma, and the rest. For Growth, Excellent growth is noted at JMJ Fintech, Sugal & Damani, and Amrapali Capital, while Good growth is seen at Nagreeka Cap. and Shyamkamal Inv, and the rest. Average growth is found at Glance Finance and the rest, while Below Average growth is observed at Ajcon Global, Supra Trends, and Biogen Pharma. In terms of Capital Structure, Excellent capital structure is present at JMJ Fintech, Sugal & Damani, and Swati Projects, while Good capital structure is noted at Biogen Pharma, Average capital structure is found at Nagreeka Cap. and Supra Trends, and Below Average capital structure is observed at Ajcon Global and Glance Finance.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Amrapali Capital at 97.42%, while the lowest is Ajcon Global at -49.47%. JMJ Fintech's own 1-year return is -65.44%, which is lower than both. Additionally, the six-month return is negative for Ajcon Global, Glance Finance, Sugal & Damani, Biogen Pharma, and JMJ Fintech.

What does JMJ Fintech do?

JMJ Fintech Ltd is a Non-Banking Financial Company (NBFC) focused on the micro-cap market, with recent net sales of 5 Cr and net profit of 2 Cr as of March 2026. The company, formerly known as Meenakshi Enterprises Limited, has a market cap of INR 36 Cr and key metrics including a P/E ratio of 5.00 and a dividend yield of 2.11%.

Overview:<BR>JMJ Fintech Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market segment.<BR><BR>History:<BR>JMJ Fintech Limited was originally incorporated as 'Meenakshi Enterprises Limited' in 1982. The company underwent a name change to JMJ Fintech Limited on June 14, 2022. The latest reported quarterly results indicate net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 5 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 2 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 36 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 5.00<BR>Industry P/E: 20<BR>Dividend Yield: 2.11%<BR>Debt Equity: 0.00<BR>Return on Equity: 21.79%<BR>Price to Book: 1.04<BR><BR>Contact Details:<BR>Address: Portion No F Door-24 2nd Floor, Venkata Maistry Street Mannady Chennai Tamil Nadu : 600001<BR>Tel: 91-44-48644050<BR>Email: investor@melnbfc.com<BR>Website: http://www.melnbfc.com

Should I buy, sell or hold JMJ Fintech Ltd?

When is the next results date for JMJ Fintech Ltd?

The next results date for JMJ Fintech Ltd is 28 May 2026.

The next results date for JMJ Fintech Ltd is scheduled for 28 May 2026.

Are JMJ Fintech Ltd latest results good or bad?

JMJ Fintech Ltd's latest results are strong, with a 160.53% increase in net profit and a 67.91% rise in revenue for Q2 FY26. However, the stock has declined 43.55% over the past year, indicating negative market sentiment despite solid financial performance.

JMJ Fintech Ltd's latest results indicate a strong quarterly performance, showcasing significant growth in both revenue and profitability. For Q2 FY26, the company reported a net profit of ₹2.97 crores, which is a remarkable 160.53% increase compared to the previous quarter. Revenue also saw substantial growth, reaching ₹6.28 crores, marking a 67.91% increase year-on-year and a 23.87% increase from the previous quarter.<BR><BR>The company's profitability metrics are impressive, with a PAT margin of 47.29%, which is significantly higher than industry averages. Additionally, the return on equity stands at 16.60%, indicating above-average capital efficiency.<BR><BR>However, despite these strong results, the stock has faced severe challenges over the past year, declining 43.55% while the broader market has advanced. This underperformance raises concerns about the company's market perception and sustainability, despite its strong financial metrics.<BR><BR>In summary, while JMJ Fintech's latest quarterly results are good, reflecting strong operational growth and profitability, the overall market sentiment and stock performance have been negative, suggesting that investors may have reservations about the company's long-term prospects.

How has been the historical performance of JMJ Fintech?

JMJ Fintech has shown significant growth from March 2023 to March 2025, with net sales increasing from 3.81 Cr to 17.12 Cr and operating profit rising from 1.00 Cr to 9.70 Cr, resulting in improved profitability and a strong financial performance overall. Total assets and liabilities grew proportionally, reflecting robust financial health.

Answer:<BR>The historical performance of JMJ Fintech shows significant growth in net sales and profitability over the years, particularly from March 2023 to March 2025.<BR><BR>Breakdown:<BR>JMJ Fintech's net sales have increased dramatically from 3.81 Cr in March 2023 to 17.12 Cr in March 2025, reflecting a strong upward trend. Total operating income followed a similar trajectory, rising from 3.82 Cr in March 2023 to 17.15 Cr in March 2025. The company's operating profit (PBDIT) also saw substantial growth, moving from 1.00 Cr in March 2023 to 9.70 Cr in March 2025, with an operating profit margin that improved from 26.25% to 56.66% during the same period. Profit before tax rose from 0.98 Cr in March 2023 to 9.46 Cr in March 2025, leading to a profit after tax increase from 0.83 Cr to 5.17 Cr. The earnings per share (EPS) grew from 0.67 in March 2023 to 2.09 in March 2025. On the balance sheet, total assets increased from 15.81 Cr in March 2023 to 48.04 Cr in March 2025, while total liabilities also rose from 15.81 Cr to 48.04 Cr, indicating a proportional growth in both assets and liabilities. Cash flow from financing activities improved significantly, contributing to a net cash inflow of 1.00 Cr in March 2025, compared to a net outflow of 1.00 Cr in March 2024. Overall, JMJ Fintech has demonstrated a robust financial performance with increasing revenues and profitability over the past few years.

Is JMJ Fintech overvalued or undervalued?

As of August 29, 2025, JMJ Fintech is considered very attractive and undervalued with a PE Ratio of 12.14 and an EV to EBIT of 4.63, despite a YTD stock decline of -47.77%, indicating it trades at a discount compared to peers like Bajaj Finance and Life Insurance.

As of 29 August 2025, JMJ Fintech's valuation grade has moved from attractive to very attractive, indicating a positive shift in its perceived value. The company is currently assessed as undervalued. Key ratios supporting this conclusion include a PE Ratio of 12.14, an EV to EBIT of 4.63, and a remarkable ROCE of 55.39%. <BR><BR>In comparison with peers, JMJ Fintech's valuation metrics stand out; for instance, Bajaj Finance has a significantly higher PE Ratio of 31.3, while Life Insurance, another peer, has a PE Ratio of 11.08. This suggests that JMJ Fintech is trading at a discount relative to its industry peers. Despite recent stock performance showing a decline, particularly a YTD return of -47.77% compared to a positive Sensex return of 2.14%, the underlying fundamentals indicate that JMJ Fintech presents a compelling investment opportunity at its current price of 14.20.

Who are the top shareholders of the JMJ Fintech?

The top shareholders of JMJ Fintech are Johny M L with 14.47% and Sajeeth Mohammed Salim with 8.35%. Individual investors hold a significant 72.76% of the shares, with no institutional holdings or pledged promoter shares reported.

The top shareholders of JMJ Fintech include Johny M L, who is the promoter with the highest holding at 14.47%. The highest public shareholder is Sajeeth Mohammed Salim, holding 8.35%. Additionally, individual investors collectively hold a significant portion of the company, accounting for 72.76% of the shares. There are no institutional holdings or pledged promoter shares reported.

What is the technical trend for JMJ Fintech?

As of June 3, 2025, JMJ Fintech's technical trend is neutral, with mixed signals from the weekly and monthly MACD, bullish Bollinger Bands, and mildly bearish daily moving averages.

As of 3 June 2025, the technical trend for JMJ Fintech has changed from mildly bearish to sideways. The weekly MACD indicates a mildly bullish stance, while the monthly MACD is mildly bearish, suggesting mixed signals across time frames. The Bollinger Bands are bullish on both weekly and monthly charts, supporting a positive outlook. However, daily moving averages are mildly bearish, indicating short-term weakness. The KST and Dow Theory both show a mildly bullish trend on the weekly basis but are bearish on the monthly. Overall, the current technical stance is neutral, with strength driven by the weekly MACD and Bollinger Bands, countered by the daily moving averages.

Has JMJ Fintech declared dividend?

No Dividend History Available