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J.A. Finance Limited

Financial Services › Finance
₹145.55
at close · 28 Oct 2026
▲ 3.45 (+2.43%)

Latest filings

  1. Open Offer for 26 percent stake in J.A. Finance by three acquirers · Strategic Transactions
  2. Independent Directors recommendations published for 26 percent open offer · Strategic Transactions
  3. Independent Directors review open offer from three acquirers for 26 percent stake · Strategic Transactions
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Lends money as a small non-banking financial company based in Jamshedpur. Total income for FY26 was Rs 278.70 lakhs, with a net profit of Rs 54.05 lakhs — a turnaround from a Rs 4.42 lakh loss in FY25. The largest expense is finance costs at Rs 65.11 lakhs, reflecting interest paid on borrowings used to fund the lending book; employee costs were 19.7% of revenue and other operating expenses 7.3%. The company has filed IBC recovery proceedings against Indico Motors Pvt Ltd for Rs 131.20 lakhs (Rs 100 lakhs principal plus Rs 31.20 lakhs interest), and one creditor was classified as a sub-standard NPA during Q3 FY26. Impairment on financial instruments fell to Rs 19.41 lakhs in FY26 from Rs 40.08 lakhs in FY25. Q4 FY26 net profit was Rs 16.99 lakhs.

Operating scale
Total assets
Rs 23.35 croreFY26
Paid-up equity capital
Rs 314.53 lakhsFY26
Capital adequacy ratio
94.08%FY26
Gross NPA ratio
4.54%FY26
Net NPA ratio
3.67%FY26
Debt-to-equity ratio
1.10Dec 2025
Who pays it
Business borrowers, with recovery actions taken against corporate defaulters such as Indico Motors Pvt Ltd
Biggest cost
Finance costs (interest on borrowings) at Rs 65.11 lakhs in FY26
Kind of business
Small, lending-focused NBFC with a concentrated loan book
Where it sits
NBFC listed on BSE (Scrip Code 543860) and Calcutta Stock Exchange (Scrip Code 20067), with board meetings held in Jamshedpur
Market Cap
₹155 Cr
P / E (TTM)
285.4×
EV / EBITDA
—
Div Yield
—
Growth
—·
Revenue 5y CAGR
PAT — · EBITDA —
Quality
—·
ROCE (FY26)
ROE 2.6% · margin 66.0%
Leverage
—·
Debt / Equity · not read for a lender
Revenue FY23→FY26
1.3×▲
Margin +0.4 pts
₹2 Cr → ₹3 Cr
Moves on a normal day
2.38%·
Median daily move
Last 211 sessions · the yardstick for filing-day moves
Where it sits among 272 Non Banking Financial Company (NBFC) peersBar = share of peers beaten · tick = industry median · latest reported figures
P/E (TTM)#194/200
P/B#244/253
ROE#140/257
EBITDA margin#62/249
Revenue growth#49/231
Profit growth#57/251

Scorecard

Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

Price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from J.A. Finance Limited's filed financials and exchange disclosures

What does J.A. Finance Limited do?

J.A. Finance Limited is a Finance company listed on BSE.

Is J.A. Finance Limited profitable?

Yes. Over the trailing twelve months J.A. Finance Limited reported a net profit of ₹0.54 Cr on revenue of ₹2.79 Cr.

Does J.A. Finance Limited pay a dividend?

Not in the latest reported year — J.A. Finance Limited's dividend payout for FY26 was nil.

Is J.A. Finance Limited expensive compared with its peers?

On trailing P/E, J.A. Finance Limited ranks 194 of 200 in Non Banking Financial Company (NBFC) — cheaper than 3% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.

How much does the J.A. Finance Limited share price move in a day?

On a typical session J.A. Finance Limited moves 2.38% — that is the median absolute close-to-close move across its last 211 trading days. MarketPing measures each filing's price reaction against it.

Where can I track J.A. Finance Limited's announcements?

Every NSE and BSE filing by J.A. Finance Limited appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.