J A Finance

Has J A Finance declared dividend?

No Dividend History Available

Who are the peers of the J A Finance?

J A Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Thacker & Co., Sonal Mercantile, Times Guaranty, and Arunjyoti Bio. J A Finance has the highest 1-year return at 412.35%, significantly outperforming its peers.

Peers: The peers of J A Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Thacker & Co., Sonal Mercantile, Times Guaranty, and Arunjyoti Bio.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial and Thacker & Co., and Below Average management risk is seen at J A Finance, Sonal Mercantile, Times Guaranty, Arunjyoti Bio, and IBL Finance. Growth is Excellent at Jio Financial and Arunjyoti Bio, Good at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and Sonal Mercantile, while Average growth is noted at Muthoot Finance, and Below Average growth is present at J A Finance, Thacker & Co., Times Guaranty. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, J A Finance, Sonal Mercantile, and Times Guaranty, Good at Cholaman.Inv.&Fn and Thacker & Co., and Average at Arunjyoti Bio.<BR><BR>Return Snapshot: J A Finance has the highest 1-year return at 412.35%, while Jio Financial has the lowest at -20.20%. J A Finance's return significantly outperforms all peers. Additionally, the six-month return is negative for Jio Financial, Thacker & Co., Sonal Mercantile, and Arunjyoti Bio.

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.

Who are in the management team of J A Finance?

As of March 2015, 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, Medhavi Lohia, along with Company Secretary Rahul Agarwal. Each member plays a key role in the company's governance and operations.

As of March 2015, the management team of J A Finance consists of 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>Each member holds a significant position within the company, contributing to its governance and operational management.

What does J A Finance do?

J A Finance Ltd is a Non-Banking Financial Company (NBFC) established in 1993, focusing on financing and investment in securities, including share and derivative trading. As of March 2025, it reported net sales of 4 Cr and a net loss of 8 Cr, with a market cap of INR 121 Cr.

Overview: <BR>J A Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap segment, primarily engaged in financing and investment in securities, including share and derivative trading.<BR><BR>History: <BR>J A Finance Ltd was incorporated in 1993 by Shri Dilip Kumar Goyal as a Non-Banking Financial Company. The company registered with the RBI and began providing financial services to Corporate, Mid Corporate, and SMEs in 2007. The latest quarterly results reported net sales and profit for the period ending March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 4 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -8 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: INR 121 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.20 <BR>Return on Equity: -0.20% <BR>Price to Book: 6.02<BR><BR>Contact Details: <BR>No Company Details Available <BR>Registrar Address: Not available.

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.

How big is J A Finance?

As of 24th July, J A Finance Ltd has a market capitalization of 118.00 Cr, with net sales of 2.27 Cr and a net loss of 0.04 Cr over the latest four quarters. Shareholder's funds are 19.90 Cr, and total assets are valued at 27.18 Cr as of March 2024.

As of 24th July, J A Finance Ltd has a market capitalization of 118.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, J A Finance reported net sales of 2.27 Cr. However, the net profit for the same period showed a loss of 0.04 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with shareholder's funds amounting to 19.90 Cr and total assets valued at 27.18 Cr.

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.

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.

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.

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

Why is J A Finance Ltd falling/rising?

As of 02-Jun, J A Finance Ltd's stock price is at 87.55, showing a slight decrease of 0.01%. Despite strong year-to-date performance with a 56.20% increase, recent trading patterns and reduced investor participation may be affecting its current price.

As of 02-Jun, J A Finance Ltd's stock price is currently at 87.55, reflecting a slight decrease of 0.01 (-0.01%). The stock has shown mixed performance in recent periods, with a 1-week decline of 0.51%, while it has increased by 1.94% over the past month. Year-to-date, the stock has performed exceptionally well, rising by 56.20%, contrasting sharply with the Sensex, which has decreased by 12.40% during the same period.<BR><BR>However, the stock's performance over the past year indicates a significant decline of 40.05%, while the Sensex has only fallen by 8.26%. Over a three-year period, J A Finance Ltd has outperformed the benchmark with a remarkable increase of 124.49% compared to the Sensex's 19.35%. <BR><BR>Today's trading performance shows that the stock has outperformed its sector by 0.48%, but there are signs of erratic trading, as it did not trade on 2 out of the last 20 days. Additionally, there is a notable decline in investor participation, with delivery volume dropping by 96.67% against the 5-day average. This decline in trading activity may contribute to the stock's current price decrease. <BR><BR>Overall, while J A Finance Ltd has shown strong performance in the longer term, recent trading patterns and reduced investor participation may be contributing factors to the slight decline in its stock price today.

Which are the latest news on J A Finance?