Jhaveri Credits

Why is Jhaveri Credits & Capital Ltd falling/rising?

As of 15-Jul, Jhaveri Credits & Capital Ltd's stock price is Rs 185.30, down 3.46%, and has underperformed its sector. The stock has seen significant volatility, declining 15.75% year-to-date and 29.81% over the past year, despite increased investor participation.

As of 15-Jul, Jhaveri Credits & Capital Ltd is experiencing a decline in its stock price, currently at Rs 185.30, which reflects a change of -6.65 (-3.46%). The stock has underperformed against its sector by -4.29% today. Although it opened with a gain of 4.17% and reached an intraday high of Rs 199.95, it subsequently fell to a low of Rs 183, indicating significant volatility within the trading day.<BR><BR>Over the past week, the stock has decreased by 3.74%, contrasting with a positive return of 0.89% from the Sensex. Year-to-date, the stock is down 15.75%, while the Sensex has only declined by 9.43%. Additionally, the stock has shown a substantial drop of 29.81% over the past year compared to the Sensex's decline of 6.52%. <BR><BR>Despite the recent increase in investor participation, with a delivery volume that rose by 112.15% against the 5-day average, the overall trend indicates a struggle for the stock, as it remains lower than the 5-day, 20-day, and 200-day moving averages. This combination of factors contributes to the current downward movement in the stock price of Jhaveri Credits & Capital Ltd.

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 operations, feel free to ask!

Who are the peers of the Jhaveri Credits?

Jhaveri Credits' peers include Tilak Ventures, Paul Merchants, Available Fin., Supra Pacific, Baid Finserv, Reliable Data, Usha Financial, and Beacon Trust. Jhaveri Credits has below-average management risk and growth, with a 1-year return of -34.15%, the lowest among its peers.

Peers: The peers of Jhaveri Credits are Tilak Ventures, Paul Merchants, Available Fin., Supra Pacific, Baid Finserv, Reliable Data, Usha Financial, and Beacon Trust.<BR><BR>Quality Snapshot: Excellent management risk is observed at Tilak Ventures, Supra Pacific, Usha Financial, and Beacon Trust, while Below Average management risk is found at Jhaveri Credits, Paul Merchants, Baid Finserv, and Reliable Data, and the rest. Average management risk is noted for Reliable Data. Excellent growth is seen at Tilak Ventures, Supra Pacific, and Usha Financial, while Average growth is found at Jhaveri Credits and Reliable Data, and Below Average growth is noted for Paul Merchants and Baid Finserv, and the rest. Available Fin. does not qualify for management risk, growth, or capital structure. Excellent capital structure is present at Tilak Ventures, Paul Merchants, Supra Pacific, Baid Finserv, Usha Financial, and Beacon Trust, while Average capital structure is noted for Reliable Data.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Shree Salasar at 1607.82%, while the peer with the lowest is Jhaveri Credits at -34.15%. Jhaveri Credits' 1-year return is significantly lower than that of its peers. Additionally, the six-month return is negative for Tilak Ventures, Paul Merchants, Baid Finserv, and Jhaveri Credits.

What does Jhaveri Credits do?

Jhaveri Credits & Capital Ltd is a micro cap NBFC in India that offers financial services such as leasing, hire purchase, and commodity broking. As of March 2026, it reported net sales of 48 Cr and a net profit of 3 Cr, with a market cap of INR 165 Cr.

Overview:<BR>Jhaveri Credits & Capital Ltd is a Non Banking Financial Company (NBFC) in the micro cap category that provides financial products and services in India, including leasing, hire purchase, and commodity broking.<BR><BR>History:<BR>The company was incorporated on October 7, 1993. The latest quarterly results reported net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 48 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 3 Cr (Quarterly Results - Mar 2026)<BR>- Market cap: INR 165 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>- P/E: N/A<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 0.00<BR>- Return on Equity: -1.16%<BR>- Price to Book: 1.76<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

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.

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

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.

When is the next results date for Jhaveri Credits?

Jhaveri Credits will announce its results on July 31, 2025.

Jhaveri Credits will declare its results on 31 July 2025.

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