J A Finance

Why is J A Finance Ltd falling/rising?

As of 01-Sep, J A Finance Ltd's stock price is rising at 125.00, with a year-to-date gain of 123.02%, outperforming the benchmark Sensex. However, a significant drop in investor participation, with delivery volume down by 99.94%, raises concerns for future trading activity.

As of 01-Sep, J A Finance Ltd's stock price is rising, currently at 125.00, with a change of 0.05 (0.04%) indicating a slight upward movement. The stock has shown strong performance over various time periods, with a 1-week increase of 1.67%, a 1-month rise of 19.95%, and an impressive year-to-date gain of 123.02%. In contrast, the benchmark Sensex has experienced declines during these periods, with a 1-week drop of 0.92% and a 1-month decrease of 1.47%. <BR><BR>Additionally, J A Finance Ltd is outperforming its sector by 1.5% today, and it is trading above its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This suggests a strong bullish trend. However, it is important to note that there has been a significant drop in investor participation, with delivery volume falling by 99.94% against the 5-day average, which may indicate a potential concern for future trading activity. Despite this decline in participation, the overall performance metrics support the stock's rising price trend.

Who are in the management team of J A Finance?

The management team of J A Finance includes Chairman Dilip Kumar Goyal, Managing Director Akshay Goyal, Executive Director Ankit Goyal, and several Directors: Manoj Kumar Agarwal, Manik Chandra Dutta, Dinesh Kumar Choudhary, Murarilal Khandelwal, and Medhavi Lohia, along with Company Secretary Rahul Agarwal.

The management team of J A Finance includes the following individuals:<BR><BR>1. **Dilip Kumar Goyal** - Chairman & Director<BR>2. **Akshay Goyal** - Managing Director<BR>3. **Ankit Goyal** - Executive Director<BR>4. **Manoj Kumar Agarwal** - Director<BR>5. **Manik Chandra Dutta** - Director<BR>6. **Dinesh Kumar Choudhary** - Director<BR>7. **Murarilal Khandelwal** - Director<BR>8. **Medhavi Lohia** - Director<BR>9. **Rahul Agarwal** - Company Secretary<BR><BR>If you need more specific information about any of these individuals or their roles, feel free to ask!

What does J A Finance do?

J A Finance Ltd is a Non-Banking Financial Company (NBFC) focused on investing in securities and providing loans to SMEs, with a market cap of INR 133 Cr. Established in 1993, it began operations in 2007 and reported net sales of 1 Cr and a net profit of 0 Cr for June 2026.

Overview:<BR>J A Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market, primarily engaged in investment in securities and providing loans and advances to SMEs.<BR><BR>History:<BR>J A Finance Ltd was incorporated in 1993 and registered as an NBFC with the RBI. The company began its operations in 2007 to offer financial services to Corporate, Mid Corporate, and SME sectors. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 133 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 229.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.12 <BR>Return on Equity: 2.81% <BR>Price to Book: 6.45 <BR><BR>Contact Details:<BR>Details: No Company Details Available <BR>Registrar Address: Not available.

Who are the peers of the J A Finance?

J A Finance's peers include Reliable Data, Keynote Finan., Raama Finance, Apollo Finvest, Vibrant Glo. Cap, Sonal Mercantile, Escorp Asset Mgt, RSD Finance, and Trustedgecapital. Management risk varies from excellent to below average among peers, with Raama Finance showing the highest 1-year return at 197.32%.

Peers: The peers of J A Finance are Reliable Data, Keynote Finan., Raama Finance, Apollo Finvest, Vibrant Glo. Cap, Sonal Mercantile, Escorp Asset Mgt, RSD Finance, Trustedgecapital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Keynote Finan., Raama Finance, Apollo Finvest, Escorp Asset Mgt, and Trustedgecapital, while Average management risk is found at Reliable Data, Vibrant Glo. Cap, and KIFS Financial. Below Average management risk is noted at J A Finance, Sonal Mercantile, RSD Finance, and the rest. Growth is Excellent at Raama Finance and Escorp Asset Mgt, Average at Reliable Data, Apollo Finvest, Sonal Mercantile, and KIFS Financial, Below Average at J A Finance, Vibrant Glo. Cap, and the rest. Capital Structure is Excellent at Keynote Finan., Raama Finance, Apollo Finvest, J A Finance, Vibrant Glo. Cap, Escorp Asset Mgt, RSD Finance, Trustedgecapital, and the rest, while Average is noted at Reliable Data.<BR><BR>Return Snapshot: Raama Finance has the highest 1-year return at 197.32%, while Sonal Mercantile has the lowest at -16.06%. J A Finance's 1-year return is not available for comparison. Additionally, the peers with negative six-month returns include Apollo Finvest, Sonal Mercantile, and Trustedgecapital.

How big is J A Finance?

As of 31st August, J A Finance Ltd has a market capitalization of 133.00 Cr, with Net Sales of 2.57 Cr and a Net Profit of 0.58 Cr reported in the latest four quarters. The company has Shareholder's Funds of 20.63 Cr and Total Assets of 23.35 Cr as of March 2026.

As of 31st August, J A Finance Ltd has a market capitalization of 133.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, J A Finance reported Net Sales of 2.57 Cr and a Net Profit of 0.58 Cr.<BR><BR>For the reporting period of March 2026, the company has Shareholder's Funds amounting to 20.63 Cr and Total Assets of 23.35 Cr.

Which are the latest news on J A Finance?

Should I buy, sell or hold J A Finance Ltd?

When is the next results date for J A Finance Ltd?

The next results date for J A Finance Ltd is 12 August 2026.

The next results date for J A Finance Ltd is scheduled for 12 August 2026.

Are J A Finance Ltd latest results good or bad?

J A Finance Ltd's latest results show a mixed performance, with a net profit recovery and strong revenue growth, but ongoing challenges like low return on equity and high volatility raise concerns about sustainability. Overall, while there are positive signs, significant structural weaknesses remain.

J A Finance Ltd's latest results present a mixed picture. In Q4 FY26, the company reported a net profit of ₹0.17 crores, marking a recovery from a loss in the previous quarter. Additionally, revenue grew by 25.45% sequentially and an impressive 64.29% year-on-year, although this growth is from a low base, indicating that the company is still operating on a micro-scale.<BR><BR>Operating margins improved significantly to 75.36%, up from 34.55% in the previous quarter, which is a positive sign. However, the company's return on equity (ROE) remains weak at 2.61%, and the latest figure reflects a negative return of -2.05%, indicating ongoing challenges in capital efficiency.<BR><BR>While the recovery in profitability and revenue growth could be seen as positive developments, the underlying issues such as low absolute profit levels, high volatility in performance, and the absence of institutional investor interest raise concerns about the sustainability of this recovery. Overall, while there are some positive indicators, significant structural weaknesses persist, making the results appear more fragile than robust.

How has been the historical performance of J A Finance?

J A Finance has experienced fluctuating performance, with net sales decreasing to 2.27 Cr in March 2025 from 3.06 Cr in March 2024, and a negative profit after tax of -0.04 Cr. Despite some improvements in operating profit margins, the company faces challenges with declining profitability and negative cash flow of -1.00 Cr.

Answer:<BR>The historical performance of J A Finance has shown fluctuations in key financial metrics over the past few years.<BR><BR>Breakdown:<BR>J A Finance's net sales for the year ending March 2025 were 2.27 Cr, a decrease from 3.06 Cr in March 2024, while showing a slight increase from 2.18 Cr in March 2023 and 2.14 Cr in March 2022. Total operating income mirrored this trend, with 2.27 Cr in March 2025 compared to 3.06 Cr in the previous year. The total expenditure, excluding depreciation, was 1.18 Cr in March 2025, down from 1.78 Cr in March 2024. Operating profit before interest, depreciation, and tax (PBDIT) was 1.10 Cr in March 2025, a decline from 1.28 Cr in March 2024, but an improvement from 0.62 Cr in March 2023. The profit before tax for March 2025 was 1.10 Cr, consistent with the previous year, while profit after tax turned negative at -0.04 Cr, a significant drop from 1.01 Cr in March 2024. The company's total liabilities decreased to 24.18 Cr in March 2025 from 27.18 Cr in March 2024, and total assets also fell to 24.18 Cr from 27.18 Cr. Cash flow from operating activities was negative at -1.00 Cr in March 2025, contrasting with a positive 3.00 Cr in March 2024, indicating a challenging cash flow situation. Overall, J A Finance has experienced a decline in profitability and cash flow, despite some improvements in operating profit margins.

Who are the top shareholders of the J A Finance?

The top shareholder of J A Finance is Dilip Kumar Goyal, holding 19.46%, with the highest public shareholder being Veena Pawankumar Chamadia at 3.68%. Individual investors collectively own 30.12% of the shares, and there are no pledged promoter holdings or mutual funds/foreign institutional investors involved.

The top shareholders of J A Finance include the promoters, with Dilip Kumar Goyal holding the largest share at 19.46%. There are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors (FIIs) holding shares. The highest public shareholder is Veena Pawankumar Chamadia, who owns 3.68%. Additionally, individual investors collectively hold 30.12% of the company's shares.

Is J A Finance overvalued or undervalued?

As of May 31, 2023, J A Finance is deemed overvalued with concerning financial metrics, including a PE ratio of -143.49 and negative ROE of -0.20%, despite a strong year-to-date return of 91.46%, indicating significant investment risk.

As of 31 May 2023, the valuation grade for J A Finance moved from risky to does not qualify, indicating significant concerns regarding its financial health. The company is currently overvalued, with a PE ratio of -143.49, an EV to EBIT of 103.10, and an EV to Sales ratio of 64.95. These figures starkly contrast with its peers, such as Life Insurance with a PE of 12.54 and Bajaj Finance Ltd. at 35.01, highlighting the substantial disparity in valuation metrics.<BR><BR>In comparison to the broader market, J A Finance has exhibited a remarkable year-to-date return of 91.46%, significantly outpacing the Sensex's 5.56%. However, this does not mitigate the alarming ratios and the overall valuation assessment. Given the negative ROE of -0.20% and the high EV multiples, it is evident that J A Finance is not only overvalued but also poses a considerable risk to investors.

What is the technical trend for J A Finance?

As of June 6, 2025, the trend is mildly bullish due to positive weekly MACD and moving averages, but mixed signals from the Dow Theory and bearish monthly RSI suggest caution.

As of 6 June 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, driven primarily by the weekly MACD indicating bullish momentum and the daily moving averages also showing a mildly bullish trend. However, the weekly Dow Theory presents a mildly bearish outlook, which tempers the overall bullish sentiment. The RSI on the monthly timeframe is bearish, suggesting potential weakness. Bollinger Bands on both weekly and monthly charts are mildly bullish, providing some support to the positive outlook. Overall, while there are bullish indicators, the mixed signals from the Dow Theory and RSI suggest caution.

Has J A Finance declared dividend?

No Dividend History Available