Unaudited Financial Results 30-06-2025
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J.A. Finance Ltd, a Kolkata-based NBFC, announced its Q1 FY26 unaudited results. Total revenue from operations rose modestly to ₹73.45 lakhs from ₹68.40 lakhs in Q1 FY25, driven by a ~27% jump in interest income (₹58.02 to ₹73.45 lakhs). However, profit after tax fell sharply to ₹18.62 lakhs from ₹28.93 lakhs, with EPS at ₹0.17 vs ₹0.27, as finance costs more than doubled to ₹24.26 lakhs. Net profit margin compressed to 25.35% from 42.30%. The auditor SK Naredi & Co (converted to LLP on June 20, 2025) issued a clean limited review report with no qualifications. The Board also fixed September 18, 2025 for the 32nd AGM, approved the secretarial auditor appointment, and regularised/re-appointed independent directors.
Mixed signals for shareholders: top-line growth from interest income is positive, but rising finance costs and a 10x surge in debt-equity ratio (0.20 to 2.1) signal rising leverage, while net profit margin compression points to weaker profitability. Capital adequacy remains healthy at 60.19%, providing a cushion, though investors should watch borrowing costs and asset quality in coming quarters.