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. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Lending. Small, lending-focused NBFC with a concentrated loan book
| ₹ crore · consolidated | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|
| Revenue | 2 | 3 | 2 | 3 |
| EBITDA (ex other income) | 1 | 2 | 1 | 2 |
| margin % | 57.3 | 71.9 | 62.8 | 66.0 |
| Owners' profit | 0 | 1 | (0) | 1 |
| EPS, as reported (₹) | 0.38 | 0.95 | (0.04) | 0.51 |
| ROE % · ROCE % | 2.1 · 4.6 | 5.1 · — | (0.2) · — | 2.6 · — |
| Debt / equity (x) | 0.43 | 0.00 | 0.00 | 0.00 |
| Cash from operations | (2) | 4 | (1) | 3 |
| Capex | 0 | 0 | 0 | 0 |
| ₹ crore | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 |
| Profit before tax | 0 | 0 | 0 | 0 | 0 | 0 | (0) | 0 |
| Net profit | 0 | 0 | 0 | (1) | 0 | 0 | (0) | 0 |
| EPS (₹) | 0.27 | 0.21 | 0.22 | (0.75) | 0.17 | 0.23 | (0.05) | 0.16 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| BAJAJ FINANCE LIMITED | 6,43,552 | 31.7 | 5.50 | 11.6 | 16.5 | — | 25.2 | 70.7 |
| SHRIRAM FINANCE LIMITED | 2,42,019 | 18.1 | 3.67 | 6.7 | 15.2 | — | 22.5 | 74.7 |
| CHOLAMANDALAM IN & FIN CO | 1,57,446 | 27.2 | 5.17 | 6.9 | 17.2 | — | 26.5 | 71.2 |
| TATA CAPITAL LIMITED | 1,54,110 | 28.2 | 3.27 | 6.5 | 10.4 | — | — | 75.8 |
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 20 Aug 2026 · Newspaper publication of 33rd AGM notice submitted to BSE and CSE | compliance | minimal | — | — |
| 19 Aug 2026 · 33rd AGM on 16 Sept 2026, Annual Report FY25-26 link sent to shareholders | compliance | minimal | — | — |
| 19 Aug 2026 · J.A. Finance dispatches 33rd AGM notice and annual report for FY 2025-26 | compliance | minimal | — | — |
| 19 Aug 2026 · J.A. Finance files 33rd AGM notice and FY26 annual report | board shareholder meetings | low | — | — |
| 19 Aug 2026 · J.A. Finance 33rd AGM notice on Sept 16, 2026 | board shareholder meetings | low | — | — |
| 13 Aug 2026 · Newspaper publication of Q1FY27 unaudited financial results | compliance | minimal | — | — |
| 12 Aug 2026 · Q1 FY27 Results: Revenue Down 29%, PAT Up 25% YoY | results | high | — | — |
| 12 Aug 2026 · Board approves Q1 FY27 results, fixes 33rd AGM on Sep 16 | board shareholder meetings | low | — | — |
| 4 Aug 2026 · Board meeting notice for Q1FY27 results published in newspapers | compliance | minimal | — | — |
| 3 Aug 2026 · Board Meeting on 12 Aug to consider Q1 FY27 results and AGM matters | results | low | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| MUTHOOT FINANCE LIMITED |
| 1,12,094 |
| 9.9 |
| 2.82 |
| 3.9 |
| 26.7 |
| — |
| 22.0 |
| 84.0 |
| SBI CARDS & PAY SER LTD | 62,349 | 27.4 | 3.96 | — | 13.8 | — | — | 33.1 |
| HDB FINANCIAL SERVICES L | 55,706 | 20.2 | 2.70 | — | 12.3 | — | — | 58.0 |
| SUNDARAM FINANCE LTD | 52,217 | 23.3 | 3.51 | 6.7 | 13.8 | — | — | 78.4 |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 263.6 | 18.2 | 203 of 212 | 4% |
| P/B | 6.9 | 1.1 | 235 of 245 | 4% |
| ROE | 2.6 | 3.0 | 144 of 266 | 46% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 76.0 | 48.6 | 62 of 249 | 75% |
| Revenue growth | 65.5 | 12.6 | 49 of 231 | 79% |
| Profit growth | 121.4 | 7.8 | 57 of 251 | 78% |
| Market cap | 143 | 37 | 76 of 260 | 71% |
| an event is a fact; a rating is an opinion that requires SEBI RA registration |
| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
