JMJ Fintech

Why is JMJ Fintech Ltd falling/rising?

As of 09-Jun, JMJ Fintech Ltd's stock price is declining, currently at 9.71, with a year-to-date drop of 36.08%. The stock is underperforming the sector and trading below its moving averages, indicating a bearish trend and decreased investor confidence.

As of 09-Jun, JMJ Fintech Ltd's stock price is falling, currently at 9.71, reflecting a change of -0.08 or -0.82%. The stock has underperformed compared to the sector by -0.72% today. Over the past week, the stock has decreased by 3.48%, and it has shown a significant decline of 36.08% year-to-date, which is much worse than the Sensex's decline of 13.26% in the same period. <BR><BR>Additionally, JMJ Fintech is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Investor participation has also decreased, with a delivery volume of 10.79 k on June 8, which is down by 66.91% compared to the 5-day average. This decline in trading activity suggests a lack of confidence among investors, contributing to the downward pressure on the stock price. Overall, these factors indicate that JMJ Fintech Ltd is experiencing a decline in its stock price.

Which are the latest news on JMJ Fintech?

Should I buy, sell or hold JMJ Fintech Ltd?

When is the next results date for JMJ Fintech Ltd?

The next results date for JMJ Fintech Ltd is 28 May 2026.

The next results date for JMJ Fintech Ltd is scheduled for 28 May 2026.

Are JMJ Fintech Ltd latest results good or bad?

JMJ Fintech Ltd's latest results are strong, with a 160.53% increase in net profit and a 67.91% rise in revenue for Q2 FY26. However, the stock has declined 43.55% over the past year, indicating negative market sentiment despite solid financial performance.

JMJ Fintech Ltd's latest results indicate a strong quarterly performance, showcasing significant growth in both revenue and profitability. For Q2 FY26, the company reported a net profit of ₹2.97 crores, which is a remarkable 160.53% increase compared to the previous quarter. Revenue also saw substantial growth, reaching ₹6.28 crores, marking a 67.91% increase year-on-year and a 23.87% increase from the previous quarter.<BR><BR>The company's profitability metrics are impressive, with a PAT margin of 47.29%, which is significantly higher than industry averages. Additionally, the return on equity stands at 16.60%, indicating above-average capital efficiency.<BR><BR>However, despite these strong results, the stock has faced severe challenges over the past year, declining 43.55% while the broader market has advanced. This underperformance raises concerns about the company's market perception and sustainability, despite its strong financial metrics.<BR><BR>In summary, while JMJ Fintech's latest quarterly results are good, reflecting strong operational growth and profitability, the overall market sentiment and stock performance have been negative, suggesting that investors may have reservations about the company's long-term prospects.

How has been the historical performance of JMJ Fintech?

JMJ Fintech has shown significant growth from March 2023 to March 2025, with net sales increasing from 3.81 Cr to 17.12 Cr and operating profit rising from 1.00 Cr to 9.70 Cr, resulting in improved profitability and a strong financial performance overall. Total assets and liabilities grew proportionally, reflecting robust financial health.

Answer:<BR>The historical performance of JMJ Fintech shows significant growth in net sales and profitability over the years, particularly from March 2023 to March 2025.<BR><BR>Breakdown:<BR>JMJ Fintech's net sales have increased dramatically from 3.81 Cr in March 2023 to 17.12 Cr in March 2025, reflecting a strong upward trend. Total operating income followed a similar trajectory, rising from 3.82 Cr in March 2023 to 17.15 Cr in March 2025. The company's operating profit (PBDIT) also saw substantial growth, moving from 1.00 Cr in March 2023 to 9.70 Cr in March 2025, with an operating profit margin that improved from 26.25% to 56.66% during the same period. Profit before tax rose from 0.98 Cr in March 2023 to 9.46 Cr in March 2025, leading to a profit after tax increase from 0.83 Cr to 5.17 Cr. The earnings per share (EPS) grew from 0.67 in March 2023 to 2.09 in March 2025. On the balance sheet, total assets increased from 15.81 Cr in March 2023 to 48.04 Cr in March 2025, while total liabilities also rose from 15.81 Cr to 48.04 Cr, indicating a proportional growth in both assets and liabilities. Cash flow from financing activities improved significantly, contributing to a net cash inflow of 1.00 Cr in March 2025, compared to a net outflow of 1.00 Cr in March 2024. Overall, JMJ Fintech has demonstrated a robust financial performance with increasing revenues and profitability over the past few years.

Is JMJ Fintech overvalued or undervalued?

As of August 29, 2025, JMJ Fintech is considered very attractive and undervalued with a PE Ratio of 12.14 and an EV to EBIT of 4.63, despite a YTD stock decline of -47.77%, indicating it trades at a discount compared to peers like Bajaj Finance and Life Insurance.

As of 29 August 2025, JMJ Fintech's valuation grade has moved from attractive to very attractive, indicating a positive shift in its perceived value. The company is currently assessed as undervalued. Key ratios supporting this conclusion include a PE Ratio of 12.14, an EV to EBIT of 4.63, and a remarkable ROCE of 55.39%. <BR><BR>In comparison with peers, JMJ Fintech's valuation metrics stand out; for instance, Bajaj Finance has a significantly higher PE Ratio of 31.3, while Life Insurance, another peer, has a PE Ratio of 11.08. This suggests that JMJ Fintech is trading at a discount relative to its industry peers. Despite recent stock performance showing a decline, particularly a YTD return of -47.77% compared to a positive Sensex return of 2.14%, the underlying fundamentals indicate that JMJ Fintech presents a compelling investment opportunity at its current price of 14.20.

How big is JMJ Fintech?

As of 24th July, JMJ Fintech Ltd has a market capitalization of 62.00 Cr, with Net Sales of 17.12 Cr and a Net Profit of 5.17 Cr for the latest four quarters. The balance sheet for March 2024 shows Shareholder's Funds of 15.57 Cr and Total Assets of 27.44 Cr.

As of 24th July, JMJ Fintech Ltd has a market capitalization of 62.00 Cr, categorizing it as a Micro Cap company.<BR><BR>For the latest four quarters, JMJ Fintech reported Net Sales of 17.12 Cr and a Net Profit of 5.17 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, showing Shareholder's Funds of 15.57 Cr and Total Assets of 27.44 Cr.

Who are the top shareholders of the JMJ Fintech?

The top shareholders of JMJ Fintech are Johny M L with 14.47% and Sajeeth Mohammed Salim with 8.35%. Individual investors hold a significant 72.76% of the shares, with no institutional holdings or pledged promoter shares reported.

The top shareholders of JMJ Fintech include Johny M L, who is the promoter with the highest holding at 14.47%. The highest public shareholder is Sajeeth Mohammed Salim, holding 8.35%. Additionally, individual investors collectively hold a significant portion of the company, accounting for 72.76% of the shares. There are no institutional holdings or pledged promoter shares reported.

Who are in the management team of JMJ Fintech?

As of March 2023, the management team of JMJ Fintech includes Johny Madathumpady Lonappan (Chairman/ED & CEO), Joju Madathumpady Johny (Managing Director), and five Independent Non-Executive Directors: Ramakrishnan Areekuzhiyil, SIVADAS CHETTOOR, Julie G Varghese, Pradeep Kumar Chellappan Kamalakshi, and Jose Kutty V A. This team oversees the company's strategic direction and governance.

As of March 2023, the management team of JMJ Fintech includes:<BR><BR>1. Johny Madathumpady Lonappan - Chairman/ED & CEO<BR>2. Joju Madathumpady Johny - Managing Director<BR>3. Ramakrishnan Areekuzhiyil - Independent Non-Executive Director<BR>4. SIVADAS CHETTOOR - Independent Non-Executive Director<BR>5. Julie G Varghese - Independent Non-Executive Director<BR>6. Pradeep Kumar Chellappan Kamalakshi - Independent Non-Executive Director<BR>7. Jose Kutty V A - Independent Director<BR><BR>This team is responsible for guiding the company's strategic direction and governance.

What is the technical trend for JMJ Fintech?

As of June 3, 2025, JMJ Fintech's technical trend is neutral, with mixed signals from the weekly and monthly MACD, bullish Bollinger Bands, and mildly bearish daily moving averages.

As of 3 June 2025, the technical trend for JMJ Fintech has changed from mildly bearish to sideways. The weekly MACD indicates a mildly bullish stance, while the monthly MACD is mildly bearish, suggesting mixed signals across time frames. The Bollinger Bands are bullish on both weekly and monthly charts, supporting a positive outlook. However, daily moving averages are mildly bearish, indicating short-term weakness. The KST and Dow Theory both show a mildly bullish trend on the weekly basis but are bearish on the monthly. Overall, the current technical stance is neutral, with strength driven by the weekly MACD and Bollinger Bands, countered by the daily moving averages.

What does JMJ Fintech do?

JMJ Fintech Ltd is a Non-Banking Financial Company (NBFC) that provides loans to corporate clients and high-net-worth individuals, with a market cap of Rs 37 Cr and a recent net profit of 1 Cr as of March 2025. Originally founded in 1982 as Meenakshi Enterprises, it rebranded in 2022.

Overview:<BR>JMJ Fintech Ltd is a Non-Banking Financial Company (NBFC) that specializes in lending money or providing loans to corporate clients and high-net-worth individuals (HNIs), operating within the micro-cap market.<BR><BR>History:<BR>JMJ Fintech Ltd was originally incorporated as 'Meenakshi Enterprises Limited' in 1982. The company changed its name to JMJ Fintech Limited on June 14, 2022. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 6 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 1 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 37 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 7.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.04 <BR>Return on Equity: 21.88% <BR>Price to Book: 1.54 <BR><BR>Contact Details:<BR>Address: Portion No F Door-24 2nd Floor, Venkata Maistry Street Mannady Chennai Tamil Nadu : 600001 <BR>Tel: 91-44-48644050 <BR>Email: investor@melnbfc.com <BR>Website: http://www.melnbfc.com

Has JMJ Fintech declared dividend?

No Dividend History Available

Who are the peers of the JMJ Fintech?

JMJ Fintech's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, and others. JMJ Fintech has below-average management risk, excellent growth, and a 1-year return of 22.58%, outperforming Jio Financial's -20.23%.

Peers: The peers of JMJ Fintech are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, SPA CAPT SER, Standard Battery, Roselabs Finance, and Vertex Secur.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, and Muthoot Finance, while Average management risk is found at Jio Financial, and Below Average management risk is noted at JMJ Fintech and Vertex Secur. Growth is Excellent at Jio Financial, JMJ Fintech, and Muthoot Finance, while Good growth is seen at Bajaj Finance, Cholaman.Inv.&Fn, and Shriram Finance, and Average growth is present at Vertex Secur. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Muthoot Finance, Shriram Finance, and JMJ Fintech, while Good capital structure is noted at Cholaman.Inv.&Fn, and the rest do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.39%, while Jio Financial has the lowest at -20.23%. JMJ Fintech's 1-year return is 22.58%, which is significantly higher than Jio Financial's. Additionally, peers with negative six-month returns include Jio Financial, Vertex Secur, and Standard Battery.