J A Finance

Why is J A Finance Ltd falling/rising?

As of 18-Jul, J A Finance Ltd's stock price is stable at Rs 87.00, with a year-to-date increase of 55.22%, but it has declined by 22.32% over the past year. While recent performance shows positive short-term trends, the long-term outlook is cautious due to significant declines and erratic trading patterns.

As of 18-Jul, J A Finance Ltd's stock price is currently stable at Rs 87.00, showing no change (0.00%). Despite this stability, the stock has demonstrated a positive performance trend over various periods. For instance, over the past week, it has risen by 4.82%, significantly outperforming the Sensex, which increased by only 0.75%. Additionally, the stock has gained 1.75% over the past month, while the Sensex has risen by 1.29%. Year-to-date, J A Finance Ltd has shown an impressive increase of 55.22%, contrasting sharply with the Sensex's decline of 8.30%.<BR><BR>However, it's important to note that the stock has experienced a decline of 22.32% over the past year, while the Sensex has only fallen by 4.99%. This long-term decline may be a concern for investors. Today's trading performance indicates that the stock has outperformed its sector by 5.62%, and it reached an intraday high of Rs 87, reflecting a 4.82% increase at that point. Furthermore, J A Finance Ltd is trading above its moving averages across various time frames, which is generally a positive indicator.<BR><BR>On the downside, there are signs of erratic trading, as the stock did not trade on four out of the last 20 days, and there has been a significant drop in delivery volume, falling by 97.03% against the 5-day average. This decline in investor participation could indicate a lack of confidence among traders. Despite these mixed signals, the stock's recent performance suggests a rising trend in the short term, although the long-term outlook remains cautious due to its yearly decline.

Which are the latest news on J A Finance?

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

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 96 Cr. Established in 1993, it reported net sales of 1 Cr and a net profit of 0 Cr for the quarter ending March 2026.

Overview: <BR>J A Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap segment, 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 the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 1 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 96 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 177.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.12 <BR>Return on Equity: 2.62% <BR>Price to Book: 4.64<BR><BR>Contact Details: <BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

How big is J A Finance?

As of 10th June, J A Finance Ltd has a market capitalization of 96.00 Cr, with recent net sales of 2.78 Cr and net profit of 0.54 Cr over the last four quarters.

As of 10th June, <BR><BR>Market Cap: J A Finance Ltd has a market capitalization of 96.00 Cr, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 2.78 Cr, while the sum of Net Profit for the same period is 0.54 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the balance sheet is March 2025, with Shareholder's Funds amounting to 20.05 Cr and Total Assets totaling 24.18 Cr.

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 details about their roles or backgrounds, feel free to ask!

Who are the peers of the J A Finance?

J A Finance's peers include Optimus Finance, RSD Finance, Saumya Cons, Jagsonpal Servic, Tomorrow Tech., Std. Capital Mkt, Mukesh Babu Fin., Prithvi Exchange, and Assam Entrade. Management risk is generally below average for most peers, with Mukesh Babu Fin. showing the highest 1-year return at -6.09%, while J A Finance's return is -24.74%.

Peers: The peers of J A Finance are Optimus Finance, RSD Finance, Saumya Cons, Jagsonpal Servic, Tomorrow Tech., Std. Capital Mkt, Mukesh Babu Fin., Prithvi Exchange, Assam Entrade.<BR><BR>Quality Snapshot: Excellent management risk is observed at Std. Capital Mkt, Prithvi Exchange, and Mukesh Babu Fin., while Below Average management risk is found at Optimus Finance, RSD Finance, Saumya Cons, Tomorrow Tech., J A Finance, and Assam Entrade, and the rest. Jagsonpal Servic does not qualify for management risk assessment. Excellent growth is noted at Std. Capital Mkt and Prithvi Exchange, while Below Average growth is found at Optimus Finance, RSD Finance, Saumya Cons, Tomorrow Tech., J A Finance, Mukesh Babu Fin., Assam Entrade, and the rest. Jagsonpal Servic does not qualify for growth assessment. Excellent capital structure is seen at Optimus Finance, RSD Finance, Saumya Cons, Std. Capital Mkt, Mukesh Babu Fin., Prithvi Exchange, Assam Entrade, and the rest, while Jagsonpal Servic does not qualify for capital structure assessment.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Mukesh Babu Fin. at -6.09%, while the peer with the lowest 1-year return is Std. Capital Mkt at -44.93%. J A Finance's 1-year return is -24.74%, which is better than Std. Capital Mkt but worse than Mukesh Babu Fin. Additionally, the six-month returns for Tomorrow Tech., Std. Capital Mkt, and Assam Entrade are negative.

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.

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

The next results date for J A Finance Ltd is 28 May 2026.

The next results date for J A Finance Ltd is scheduled for 28 May 2026.

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