JMJ Fintech

Why is JMJ Fintech Ltd falling/rising?

As of 17-Aug, JMJ Fintech Ltd's stock is rising to 9.90, up 5.54%, driven by strong sector performance and a reversal from prior declines. However, declining investor participation and longer-term moving averages indicate potential concerns.

As of 17-Aug, JMJ Fintech Ltd's stock price is rising, currently at 9.90, reflecting an increase of 0.52 (5.54%). This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 5.39%, indicating strong relative performance compared to its peers. Additionally, there has been a trend reversal as the stock gained after three consecutive days of decline, suggesting a potential shift in investor sentiment.<BR><BR>Moreover, the stock's current price is higher than its 5-day, 20-day, and 50-day moving averages, which often signals positive momentum. However, it is important to note that the stock remains below its 100-day and 200-day moving averages, indicating that while there is short-term strength, longer-term trends may still be under pressure.<BR><BR>Despite the positive price movement, there is a decline in investor participation, as evidenced by a 1.58% drop in delivery volume compared to the 5-day average. This could suggest that while the price is rising, the overall interest in trading the stock may be waning.<BR><BR>In summary, JMJ Fintech Ltd's stock is rising due to its recent outperformance against the sector and a reversal from previous declines, although concerns about falling investor participation and longer-term moving averages remain.

Which are the latest news on JMJ Fintech?

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. They oversee the company's strategic direction and governance.

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 is responsible for overseeing the company's strategic direction and governance.

What does JMJ Fintech do?

JMJ Fintech Ltd is a Non-Banking Financial Company (NBFC) focused on the micro-cap market, reporting net sales of 5 Cr and a net profit of 2 Cr for June 2026. The company, formerly known as Meenakshi Enterprises Limited, has a market cap of INR 36 Cr and key metrics including a P/E of 4.00 and a dividend yield of 2.04%.

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 quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 5 Cr (Quarterly Results - Jun 2026)<BR>- Net Profit: 2 Cr (Quarterly Results - Jun 2026)<BR>- Market Cap: INR 36 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: 4.00<BR>- Industry P/E: 21<BR>- Dividend Yield: 2.04%<BR>- Debt Equity: 0.57<BR>- Return on Equity: 14.52%<BR>- Price to Book: 0.65<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

Who are the peers of the JMJ Fintech?

JMJ Fintech's peers include Prism Medico, Toyam Sports, Ajcon Global, Sugal & Damani, ISL Consulting, Relic Tech, Cubical Finan, Kalyan Capitals, and Anupam Finserv. In terms of management risk, growth, and capital structure, JMJ Fintech shows below average performance compared to peers, with a 1-year return of -39.07%.

Peers: The peers of JMJ Fintech are Prism Medico, Toyam Sports, Ajcon Global, Sugal & Damani, ISL Consulting, Relic Tech., Cubical Finan, Kalyan Capitals, Anupam Finserv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Toyam Sports, Sugal & Damani, and Cubical Finan, while Average management risk is found at Kalyan Capitals and the rest. Below Average management risk is noted for Prism Medico, Ajcon Global, ISL Consulting, Relic Tech., Anupam Finserv, and JMJ Fintech. For growth, Excellent growth is seen at JMJ Fintech, Sugal & Damani, and Cubical Finan, while Average growth is found at Toyam Sports and Kalyan Capitals, and the rest show Below Average growth. In terms of Capital Structure, Excellent capital structure is present in Toyam Sports, Ajcon Global, Sugal & Damani, ISL Consulting, Relic Tech., Cubical Finan, Anupam Finserv, and JMJ Fintech, while Below Average capital structure is noted for Prism Medico and Kalyan Capitals.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Prism Medico at 92.85%, while the peer with the lowest is Toyam Sports at -35.92%. JMJ Fintech's 1-year return is -39.07%, which is lower than both of these peers. Additionally, ISL Consulting, Relic Tech., and Anupam Finserv have negative six-month returns.

How big is JMJ Fintech?

As of 14th August, JMJ Fintech Ltd has a market capitalization of 35.38 Cr, with recent net sales of 22.03 Cr and a net profit of 8.43 Cr. The balance sheet for March 2025 shows shareholder's funds of 23.63 Cr and total assets of 48.04 Cr.

As of 14th August, JMJ Fintech Ltd has a market capitalization of 35.38 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, JMJ Fintech reported Net Sales of 22.03 Cr and a Net Profit of 8.43 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 23.63 Cr and Total Assets of 48.04 Cr.

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 10 August 2026.

The next results date for JMJ Fintech Ltd is scheduled for 10 August 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