Submission of Audited Standalone Financial Results For the Quarter ended 31st March 2025.
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JMJ Fintech, a Coimbatore-based NBFC, reported audited FY25 total income from operations of Rs. 10.26 crore, nearly tripling from Rs. 3.50 crore in FY24 (up ~193%). Profit before tax surged to Rs. 9.49 crore from Rs. 3.86 crore, though an RBI-mandated 20% standard reserve of Rs. 1.90 crore pulled profit after tax down to Rs. 2.17 crore (vs Rs. 0.82 crore in FY24, still ~166% growth). However, Q4 FY25 PAT fell sharply to Rs. 66.43 lakh from Rs. 1.82 crore in Q4 FY24, suggesting weaker quarter-end performance. The loan book expanded to Rs. 43.37 crore (from Rs. 25.20 crore) and total assets grew to Rs. 48.05 crore. Statutory auditor Mahesh C. Solanki & Co. issued an unmodified (clean) opinion. The board also approved new internal and secretarial auditors, constituted a CSR committee, and reaffirmed non-acceptance of public deposits.
Full-year revenue and profit growth is strong and signals business expansion, but the sharp Q4 profit dip and persistently negative operating cash flow (Rs. -8.33 crore) may concern investors about near-term profitability and liquidity. Overall balance sheet strengthening is positive for shareholders.