Jayabharat Cred.

Why is Jayabharat Credit Ltd falling/rising?

As of 01-Sep, Jayabharat Credit Ltd's stock price is at 13.50, reflecting a 3.09% decline and underperforming against the Sensex. The stock is trading below its moving averages, indicating a bearish trend, with significantly reduced investor participation and erratic trading patterns contributing to its instability.

As of 01-Sep, Jayabharat Credit Ltd's stock price is falling, currently at 13.50, which reflects a decrease of 0.43 or 3.09%. This decline is evident in the stock's performance over the past week, where it has underperformed compared to the Sensex, showing a drop of 3.09% against the benchmark's decline of only 0.92%. <BR><BR>Additionally, the stock has been trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, indicating a bearish trend. There has also been a significant drop in investor participation, with the delivery volume on August 21 falling by 98.37% compared to the 5-day average, suggesting a lack of interest from investors. <BR><BR>Moreover, the stock's erratic trading pattern, where it did not trade on 5 out of the last 20 days, further contributes to the perception of instability. Overall, these factors collectively explain the current decline in the stock price of Jayabharat Credit Ltd.

Who are in the management team of Jayabharat Cred.?

The management team of Jayabharat Cred. includes Rajiv Gupta (Chairman), Arun Mitter, M K Madan (Directors), and several Non-Executive & Independent Directors: Vishnu Singhal, Preeti Singhal, and Neetu Singhal, along with Hinal Mehta as Company Secretary & Compliance Officer.

The management team of Jayabharat Cred. includes the following individuals:<BR><BR>- **Rajiv Gupta**: Chairman (Non-Executive)<BR>- **Arun Mitter**: Director<BR>- **M K Madan**: Director<BR>- **Vishnu Singhal**: Non-Executive & Independent Director<BR>- **Preeti Singhal**: Non-Executive & Independent Director<BR>- **Neetu Singhal**: Non-Executive & Independent Director<BR>- **Hinal Mehta**: Company Secretary & Compliance Officer<BR><BR>If you need more information about any specific member or their roles, feel free to ask!

What does Jayabharat Cred. do?

Jayabharat Credit Ltd is a Non-Banking Financial Company (NBFC) focused on financing trucks through Hire-Purchase schemes. Originally established in 1943, it has transitioned from insurance to the NBFC sector, with a current market cap of INR 7 Cr and a reported net profit of 0 Cr for June 2026.

Overview:<BR>Jayabharat Credit Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap market, primarily engaged in financing trucks under Hire-Purchase schemes.<BR><BR>History:<BR>The company was originally incorporated as The Jayabharat Insurance Company Limited in 1943. Following the nationalization of the insurance business in 1969, it became a subsidiary of The New India Assurance Company. Subsequently, Jayabharat transitioned to the NBFC sector. The latest quarterly results reported a net profit of 0 Cr for June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: N/A<BR>Most recent Net Profit: 0 Cr (Quarterly Results - Jun 2026)<BR>Market-cap value: INR 7 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: 9<BR>Dividend Yield: 0.00%<BR>Debt-Equity: -0.99<BR>Return on Equity: 1.63%<BR>Price to Book: -0.11<BR><BR>Contact Details:<BR>Address: 19/20 Rajabhadur Mansion 4th Fr, Opp SBI Bra Nr StockEx MS Marg Mumbai Maharashtra : 400023<BR>Tel: 91-022-22643022/23<BR>Email: jcl@jayabharat.com<BR>Website: http://www.jayabharat.com

Who are the peers of the Jayabharat Cred.?

Peers of Jayabharat Cred. include Rich Universe, Voltaire Leasing, Integra Capital, ISF, GCM Capital, Atharv Enter, Money Masters, Guj. Credit Corp, and Dharani Finance. Notably, Voltaire Leasing has the highest 1-year return at 43.17%, while Money Masters has the lowest at -57.96%, with Jayabharat Cred. at 30.31%.

Peers: The peers of Jayabharat Cred. are Rich Universe, Voltaire Leasing, Integra Capital, ISF, GCM Capital, Atharv Enter, Money Masters, Guj. Credit Corp, and Dharani Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Rich Universe, Integra Capital, ISF, GCM Capital, Money Masters, and Dharani Finance, while Below Average management risk is found at Voltaire Leasing, Atharv Enter, and the rest. Average growth is noted at Rich Universe, while Below Average growth is seen at Voltaire Leasing, Integra Capital, ISF, GCM Capital, Atharv Enter, Money Masters, and the rest. Excellent capital structure is present in Rich Universe, Integra Capital, ISF, GCM Capital, Money Masters, and Dharani Finance, whereas Below Average capital structure is noted at Voltaire Leasing, Atharv Enter, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Voltaire Leasing at 43.17%, while Money Masters has the lowest at -57.96%. Jayabharat Cred.'s 1-year return of 30.31% is higher than that of Money Masters but lower than Voltaire Leasing. Additionally, GCM Capital has a negative six-month return of -26.48%.

How big is Jayabharat Cred.?

As of 31st August, Jayabharat Credit Ltd has a market capitalization of 7.00 Cr, with recent financials showing Net Sales of 0.00 Cr and a Net Profit loss of 1.07 Cr. Shareholder's Funds are at a loss of 60.86 Cr, and Total Assets are valued at 0.17 Cr.

As of 31st August, Jayabharat Credit Ltd has a market capitalization of 7.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 0.00 Cr and a Net Profit loss of 1.07 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds at a loss of 60.86 Cr and Total Assets valued at 0.17 Cr.

Which are the latest news on Jayabharat Cred.?

Should I buy, sell or hold Jayabharat Credit Ltd?

When is the next results date for Jayabharat Credit Ltd?

The next results date for Jayabharat Credit Ltd is 12 August 2026.

The next results date for Jayabharat Credit Ltd is scheduled for 12 August 2026.

Are Jayabharat Credit Ltd latest results good or bad?

Jayabharat Credit Ltd's latest results are concerning, showing a net loss of ₹0.28 crore and no revenue for Q4 FY26, alongside a negative book value per share of -₹121.72. The company appears to be in a state of decline with persistent losses and no operational activity, indicating a bleak outlook.

Jayabharat Credit Ltd's latest results indicate a troubling financial situation. For Q4 FY26, the company reported a net loss of ₹0.28 crore, with no revenue generated during the quarter. This pattern of consistent losses has persisted over the past several quarters, reflecting a lack of operational activity and a business model that appears fundamentally broken.<BR><BR>The company's book value per share is negative at -₹121.72, indicating negative shareholder equity, which is a significant red flag. With a market capitalization of only ₹11.00 crore, Jayabharat Credit is classified as a micro-cap company, but it operates more like a shell entity with no meaningful business operations.<BR><BR>Overall, the financial performance highlights an existential crisis for the company, characterized by persistent losses, zero revenue generation, and a deteriorating balance sheet. The outlook remains bleak, with no visible efforts towards restructuring or reviving operations. Therefore, the results can be considered quite bad, reflecting a company in terminal decline with little hope for recovery.

Is Jayabharat Cred. overvalued or undervalued?

As of December 4, 2025, Jayabharat Credit is considered very attractive and undervalued with a negative PE ratio of -11.70 and an EV to EBITDA ratio of -72.63, significantly outperforming peers like Bajaj Finance and Life Insurance, and achieving a year-to-date return of 74.39% compared to the Sensex's 9.12%.

As of 4 December 2025, the valuation grade for Jayabharat Credit has moved from risky to very attractive, indicating a significant improvement in its perceived value. The company is currently undervalued, as evidenced by its negative PE ratio of -11.70 and an EV to EBITDA ratio of -72.63. Additionally, the PEG ratio stands at 0.00, suggesting that the stock is trading at a very low valuation relative to its earnings growth potential.<BR><BR>In comparison to its peers, Jayabharat Credit's valuation metrics are starkly different. For instance, Bajaj Finance, categorized as very expensive, has a PE ratio of 34.9, while Life Insurance, deemed very attractive, has a PE of 10.85. This stark contrast highlights the undervaluation of Jayabharat Credit within its industry. Furthermore, the company's recent stock performance has outpaced the Sensex, with a year-to-date return of 74.39% compared to the Sensex's 9.12%, reinforcing the attractiveness of its current valuation.

How has been the historical performance of Jayabharat Cred.?

Jayabharat Cred. has consistently reported zero revenue and significant losses, with negative operating profit and reserves declining from -59.50 crore in March 2019 to -65.86 crore in March 2025. The company faces ongoing financial challenges, reflected in negative cash flow and earnings per share.

Answer:<BR>The historical performance of Jayabharat Cred. shows a consistent lack of revenue generation and significant losses over the years.<BR><BR>Breakdown:<BR>Jayabharat Cred. has reported zero net sales and zero other operating income from March 2018 to March 2025. The total operating income has remained at zero during this period, while total expenditure, excluding depreciation, has fluctuated slightly, reaching 0.97 crore in March 2025, down from 1.47 crore in March 2023. Operating profit (PBDIT) has consistently been negative, with a loss of -0.91 crore in March 2025. The profit before tax has also been negative, amounting to -0.92 crore in March 2025. The profit after tax reflects a loss of -1.01 crore for the same period. The company's reserves have been negative, showing a decline from -59.50 crore in March 2019 to -65.86 crore in March 2025. The earnings per share have also been negative, with -2.02 in March 2025. On the balance sheet, total assets were reported at 0.17 crore in March 2025, while total liabilities were significantly higher, indicating a negative net worth. Cash flow from operating activities has consistently shown a negative trend, with -1.00 crore reported in March 2025, reflecting ongoing financial challenges for the company.

Who are the top shareholders of the Jayabharat Cred.?

The top shareholders of Jayabharat Cred. are Rajiv Gupta with 15.22% and The Motor & General Finance Limited with 43.45%. Individual investors own 21.28%, with no mutual funds or foreign institutional investors holding shares.

The top shareholders of Jayabharat Cred. include Rajiv Gupta, who is the promoter with the highest holding at 15.22%. Additionally, The Motor & General Finance Limited holds a significant stake, accounting for 43.45% of the shares. Individual investors collectively own 21.28% of the company. There are no mutual funds or foreign institutional investors currently holding shares in the company.

What is the technical trend for Jayabharat Cred.?

As of 26 May 2025, Jayabharat Cred. shows a mildly bullish trend overall, supported by daily moving averages, despite bearish signals from weekly indicators.

As of 26 May 2025, the technical trend for Jayabharat Cred. has changed from bullish to mildly bullish. The weekly MACD and Bollinger Bands indicate a mildly bearish stance, while the monthly MACD and Bollinger Bands remain bullish. The daily moving averages show a mildly bullish trend. The KST and Dow Theory are both mildly bearish on the weekly timeframe. Overall, the current technical stance is mildly bullish, driven primarily by the daily moving averages, despite the bearish signals from the weekly indicators.

Has Jayabharat Cred. declared dividend?

Yes, Jayabharat Credit Ltd has declared an 8% dividend, amounting to ₹0.80 per share, but the dividend yield is 0%. Total returns have varied significantly, with notable gains over 1 and 2 years, while longer periods show no growth.

Jayabharat Credit Ltd has declared an 8% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 8%<BR>- Amount per share: 0.8000<BR>- Ex-date: Sep-01-2008<BR><BR>Dividend Yield: 0%<BR><BR>Total Returns by Period:<BR>In the 6 months period, the price return was -3.51%, the dividend return was 0%, resulting in a total return of -3.51%.<BR><BR>In the 1 year period, the price return was 11.17%, the dividend return was 0%, leading to a total return of 11.17%.<BR><BR>Over the 2 years period, the price return was 127.17%, with a dividend return of 0%, resulting in a total return of 127.17%.<BR><BR>In the 3 years period, the price return was 32.28%, the dividend return was 0%, culminating in a total return of 32.28%.<BR><BR>For the 4 years period, the price return was 0%, the dividend return was 0%, resulting in a total return of 0.0%.<BR><BR>In the 5 years period, the price return was 0%, with a dividend return of 0%, leading to a total return of 0.0%.<BR><BR>Overall, while Jayabharat Credit Ltd has declared a dividend, the dividend yield remains at 0%. The total returns over various periods indicate significant variability, with notable returns in the 1 and 2 years periods, while longer periods show no growth.