Jhaveri Credits

Why is Jhaveri Credits & Capital Ltd falling/rising?

As of 29-Aug, Jhaveri Credits & Capital Ltd's stock price is currently at 172.35, showing a short-term recovery after previous declines, despite a year-to-date drop of 21.64%. The recent rise may reflect market dynamics rather than a reversal of the longer-term downtrend, with decreased investor participation suggesting caution.

As of 29-Aug, Jhaveri Credits & Capital Ltd's stock price is rising, currently at 172.35, reflecting an increase of 2.35 (1.38%). This upward movement follows a trend reversal, as the stock has gained after four consecutive days of decline. Notably, it opened with a significant gain of 4.65% today and reached an intraday high of Rs 177.9. Additionally, the stock has outperformed its sector by 2.5%. <BR><BR>Despite these positive indicators, the stock has experienced a decline over longer periods, with a year-to-date drop of 21.64% and a one-year decline of 31.06%. However, the current rise may be attributed to a short-term recovery after previous losses, as indicated by its performance today and the fact that it is currently above its 5-day moving averages. <BR><BR>Investor participation has shown a decrease, with delivery volume falling by 28.34% against the 5-day average, which may suggest caution among investors. Nonetheless, the stock remains liquid enough for trading, indicating some level of market interest. Overall, the recent price increase appears to be a reaction to short-term market dynamics rather than a reversal of the longer-term downtrend.

Which are the latest news on Jhaveri Credits?

Who are in the management team of Jhaveri Credits?

The management team of Jhaveri Credits includes Bhaderesh J Jhaveri (Non-Executive Director), Ashesh J Trivedi (Independent Director), Kamlesh J Jhaveri (Whole-time Director), Satish Chimanlal Trivedi (Independent Director), Rupal K. Jhaveri (Non-Executive Director), and Nevil Dharmeshkumar Sheth (Company Secretary & Compliance Officer).

The management team of Jhaveri Credits includes the following individuals:<BR><BR>1. Bhaderesh J Jhaveri - Non-Executive & Non-Independent Director<BR>2. Ashesh J Trivedi - Non-Executive & Independent Director<BR>3. Kamlesh J Jhaveri - Whole-time Director<BR>4. Satish Chimanlal Trivedi - Independent Director<BR>5. Rupal K. Jhaveri - Non-Executive Director<BR>6. Nevil Dharmeshkumar Sheth - Company Secretary & Compliance Officer<BR><BR>If you have any more questions about the company or its management, feel free to ask!

What does Jhaveri Credits do?

Jhaveri Credits & Capital Ltd is a micro-cap NBFC in India, offering financial services like leasing and commodity broking. As of June 2026, it reported net sales of 17 Cr and a net loss of 1 Cr, with a market cap of INR 204 Cr.

Overview:<BR>Jhaveri Credits & Capital Ltd is a micro-cap company operating in the Non-Banking Financial Company (NBFC) sector, providing financial products and services in India, including leasing, hire purchase, and commodity broking.<BR><BR>History:<BR>Incorporated on October 7, 1993, Jhaveri Credits & Capital Ltd has been engaged in financial services since its inception. The latest quarterly results reported net sales and net profit for the period ending June 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 17 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: -1 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 204 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 101.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.00 <BR>Return on Equity: -1.16% <BR>Price-to-Book: 2.29 <BR><BR>Contact Details:<BR>Address: 301 Payal Towers, Sayajigunj Vadodara Gujarat : 390020 <BR>Tel: 91-265-2362027/2361096 <BR>Email: igc@jhaverisec.com <BR>Website: http://www.jhaveritrade.com

Who are the peers of the Jhaveri Credits?

Jhaveri Credits' peers include Last Mile Enterprises, Vaarad Ventures, Sangam Finserv, Team India Guarantee, Landmarc Leisure, Crescentis Capital, AMPL Capital, Indus Finance, and Sakthi Finance. Indus Finance has the highest 1-year return at 314.70%, while Jhaveri Credits' return is -29.34%.

Peers: The peers of Jhaveri Credits are Last Mile Enter., Vaarad Ventures, Sangam Finserv, Team India Guar., Landmarc Leisur., Crescentis Capit, AMPL Capital, Indus Finance, and Sakthi Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at AMPL Capital, while Below Average management risk is found at Last Mile Enter., Sangam Finserv, Team India Guar., Landmarc Leisur., Indus Finance, and Sakthi Finance, and the rest. Growth is Excellent at AMPL Capital and Last Mile Enter., Average at Jhaveri Credits, and Below Average at Vaarad Ventures, Sangam Finserv, Team India Guar., Landmarc Leisur., Crescentis Capit, and Sakthi Finance, and the rest. Excellent capital structure is noted for Last Mile Enter., Sangam Finserv, Team India Guar., Landmarc Leisur., Crescentis Capit, AMPL Capital, Indus Finance, while Good capital structure is seen at Sakthi Finance, and the rest.<BR><BR>Return Snapshot: Indus Finance has the highest 1-year return at 314.70%, while Last Mile Enter. has the lowest at -58.60%, with Jhaveri Credits' own 1-year return at -29.34% being higher than Last Mile Enter.'s but lower than Indus Finance's. Additionally, Last Mile Enter., Team India Guar., and Sakthi Finance have negative six-month returns.

Should I buy, sell or hold Jhaveri Credits & Capital Ltd?

When is the next results date for Jhaveri Credits & Capital Ltd?

The next results date for Jhaveri Credits & Capital Ltd is 12 August 2026.

The next results date for Jhaveri Credits & Capital Ltd is scheduled for 12 August 2026.

Are Jhaveri Credits & Capital Ltd latest results good or bad?

Jhaveri Credits & Capital Ltd's latest results are concerning, showing a 72.78% year-on-year decline in net profit and an 8.52% drop in net sales, alongside a significant contraction in profit margins. Investors should be cautious due to the company's operational challenges and reliance on non-operating income.

The latest results for Jhaveri Credits & Capital Ltd are concerning and indicate significant challenges for the company. In the fourth quarter of FY26, the net profit was ₹2.88 crore, which represents a drastic decline of 72.78% year-on-year. Additionally, net sales fell by 8.52% compared to the same quarter last year, despite a substantial sequential increase from the previous quarter.<BR><BR>The profit after tax margin has also contracted sharply from 20.25% in Q4 FY25 to just 6.03% in Q4 FY26, highlighting severe profitability pressures. Moreover, the company's return on equity (ROE) is a mere 1.49%, indicating weak capital efficiency.<BR><BR>While there was a notable sequential improvement in net sales and profit compared to the previous quarter, the year-on-year comparisons reveal a troubling trend of declining performance. The heavy reliance on non-operating income, which accounted for over 62% of profit before tax, raises further questions about the sustainability of the business model.<BR><BR>Overall, these results suggest that Jhaveri Credits & Capital Ltd is facing significant operational challenges, and the financial performance is not encouraging. Investors should approach the stock with caution, as the combination of deteriorating fundamentals and high valuation multiples presents a high-risk scenario.

How has been the historical performance of Jhaveri Credits?

Jhaveri Credits has shown significant growth in net sales and profitability from March 2021 to March 2025, with net sales increasing from 0.19 crore to 23.31 crore and profit after tax rising to 2.41 crore, reflecting improved operational efficiency and a positive financial trend.

Answer:<BR>The historical performance of Jhaveri Credits shows a significant increase in net sales and profitability over the years, particularly from March 2021 to March 2025.<BR><BR>Breakdown:<BR>Jhaveri Credits has demonstrated a notable growth in net sales, rising from just 0.19 crore in March 2021 to 23.31 crore in March 2025, despite a slight decline to 26.20 crore in March 2024. The total operating income followed a similar trend, reaching 23.31 crore in March 2025, up from 11.62 crore in March 2023. The company has managed to improve its operating profit, which increased to 3.34 crore in March 2025 from 0.00 crore in March 2021, indicating a turnaround in operational efficiency. Profit before tax also saw an upward trajectory, reaching 2.76 crore in March 2025, while profit after tax rose to 2.41 crore in the same period, showcasing a healthy PAT margin of 10.34%. The earnings per share (EPS) improved significantly, climbing to 2.81 in March 2025 from a loss of 0.60 in March 2021. Overall, Jhaveri Credits has shown a positive trend in financial performance, reflecting its growth and operational improvements over the years.

How big is Jhaveri Credits?

As of 24th July, Jhaveri Credits & Capital Ltd has a market capitalization of 218.00 Cr, classifying it as a Micro Cap company, with recent Net Sales of 19.23 Cr and a Net Profit of 2.39 Cr. Specific values for Shareholder's Funds and Total Assets are not available.

As of 24th July, Jhaveri Credits & Capital Ltd has a market capitalization of 218.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, Jhaveri Credits reported Net Sales of 19.23 Cr and a Net Profit of 2.39 Cr.<BR><BR>The reporting period for the balance sheet data is the latest annual period. However, specific values for Shareholder's Funds and Total Assets are not available.

Who are the top shareholders of the Jhaveri Credits?

The top shareholders of Jhaveri Credits include Vishnubhai Vitthalbhai Patel, who holds 53.15%, and Riddhi Landmark LLP, the largest public shareholder at 5.56%. Additionally, foreign institutional investors own 4.4%, while individual investors hold 27.76% of the shares, with no pledged promoter holdings or mutual fund investments.

The top shareholders of Jhaveri Credits include the promoters, with Vishnubhai Vitthalbhai Patel holding the largest share at 53.15%. Additionally, Riddhi Landmark LLP is the highest public shareholder, owning 5.56%. The company also has 2 foreign institutional investors (FIIs) holding a combined 4.4% of the shares. Individual investors collectively hold 27.76% of the company's shares. There are no pledged promoter holdings, and no mutual funds are currently invested in the company.

Is Jhaveri Credits overvalued or undervalued?

As of July 26, 2023, Jhaveri Credits is considered very expensive and overvalued with a PE ratio of 103.02, significantly higher than its peers, and a low return on equity of 2.72%, despite a recent monthly return of 36.22%, it has underperformed the Sensex with a yearly decline of 20.02%.

As of 26 July 2023, the valuation grade for Jhaveri Credits has moved from does not qualify to very expensive, indicating a significant shift in its perceived value. The company is currently considered overvalued. Key ratios include a PE ratio of 103.02, an EV to EBIT of -156.33, and an EV to EBITDA of -207.92, all of which suggest that the stock is trading at a premium compared to its earnings and cash flow generation capabilities.<BR><BR>In comparison to its peers, Jhaveri Credits' PE ratio is substantially higher than Life Insurance at 12.54 and Bajaj Finance at 35.01, both of which are classified as fair or very expensive but still exhibit more reasonable valuations. Additionally, the company's return on equity (ROE) stands at 2.72%, which is relatively low compared to the industry standards. Notably, while Jhaveri Credits has experienced a 36.22% return over the past month, it has underperformed against the Sensex over the year with a decline of 20.02%.

What is the technical trend for Jhaveri Credits?

As of April 8, 2025, Jhaveri Credits shows a mildly bearish technical trend, with mixed signals from indicators like the weekly MACD and RSI, suggesting caution despite some bullish signs on the weekly chart.

As of 8 April 2025, the technical trend for Jhaveri Credits has changed from bearish to mildly bearish. The weekly MACD indicates a mildly bullish stance, while the monthly MACD is mildly bearish, suggesting mixed signals. The RSI on a weekly basis is bearish, which adds to the caution. Bollinger Bands show a bullish signal on the weekly chart but are mildly bearish on the monthly. Daily moving averages are mildly bearish, reinforcing the overall cautious outlook. KST is mildly bullish on the weekly but mildly bearish on the monthly, and Dow Theory supports a mildly bullish view on both time frames. Overall, the technical stance is mildly bearish, with key indicators like the weekly RSI and daily moving averages driving this assessment.

Has Jhaveri Credits declared dividend?

No Dividend History Available