Operates as a Non-Banking Financial Company (NBFC) based in Coimbatore, lending through a loan book that stood at Rs 7,169.35 lakhs at the end of FY26 — nearly double the Rs 4,265 lakhs a year earlier. For FY26, total income was Rs 2,199.38 lakhs (up 28% year-on-year) and net profit Rs 759.83 lakhs (up 47%). In March 2026 the company unveiled a new logo and a digital lending application called "Money bro" as part of its business expansion. It raised Rs 25.69 crore via an August 2025 rights issue, with Rs 19 crore earmarked for augmenting its NBFC capital base. Employee cost at 24.8% of revenue is the largest operating line, while finance costs doubled to Rs 323.16 lakhs in FY26 to fund loan-book growth. As of FY25, Gross NPA stood at 5.04% and capital adequacy at 80.13% CAR, and an Acuite BB (Stable) rating has been assigned to a proposed Rs 25 crore bank facility. A Rs 10 crore loan to a related NBFC, JMJ Finance Limited, was put to shareholder vote via postal ballot in March 2026. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Lending operations (NBFC). Small, growth-stage, lending-focused NBFC with a digital channel
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 1 | 4 | 7 | 17 | 22 |
| EBITDA (ex other income) | 0 | 1 | 5 | 11 | 14 |
| margin % | 8.2 | 28.0 | 65.5 | 65.7 | 62.5 |
| Owners' profit | 0 | 1 | 3 | 7 | 8 |
| EPS, as reported (₹) | 0.04 | 0.67 | 1.72 | 4.04 | 2.04 |
| ROE % · ROCE % | 0.4 · — | 6.6 · — | 18.7 · — | 29.9 · — | 13.6 · — |
| Debt / equity (x) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from operations | 2 | (3) | (8) | (9) | (18) |
| Capex | (0) | (0) | (0) | (1) | (4) |
| ₹ crore | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 4 | 4 | 4 | 6 | 5 | 6 | 5 | 5 |
| Profit before tax | 2 | 2 | 1 | 3 | 2 | 4 | 2 | 2 |
| Net profit | 2 | 2 | 1 | 3 | 1 | 3 | 2 | 2 |
| EPS (₹) | 1.47 | 1.35 | 0.79 | 0.52 | 0.89 | 2.19 | 0.85 | 0.46 |
| 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 % |
|---|---|---|---|---|
| 7 Sept 2026 · JMJ Fintech submits AGM notice newspaper ad; AGM on 29 Sept 2026 | compliance | minimal | — | — |
| 4 Sept 2026 · JMJ Fintech 43rd AGM notice published in newspapers, meeting on 29 Sep 2026 | compliance | minimal | — | — |
| 4 Sept 2026 · JMJ Fintech 43rd AGM on 29 Sep 2026; Final dividend of Rs 0.15 per share proposed | board shareholder meetings | low | — | — |
| 4 Sept 2026 · 43rd AGM on 29 Sep 2026; Book Closure from 23 to 29 Sep | board shareholder meetings | low | — | — |
| 4 Sept 2026 · JMJ Fintech 43rd AGM set for September 29, 2026 | board shareholder meetings | low | — | — |
| 31 Aug 2026 · JMJ Fintech defers preferential issue of 7.9 lakh shares worth Rs 1.58 Cr | fund raising | medium | — | — |
| 31 Aug 2026 · Board withdraws preferential share issue, reschedules AGM | board shareholder meetings | low | — | — |
| 25 Aug 2026 · JMJ Fintech reschedules AGM to September 29, 2026 | board shareholder meetings | low | — | — |
| 25 Aug 2026 · AGM rescheduled to 29 September 2026 | board shareholder meetings | low | — | — |
| 25 Aug 2026 · Board meeting on 31 Aug to consider postponing preferential share issue | board shareholder meetings | 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) | 2.1 | 18.2 | 11 of 212 | 95% |
| P/B | 0.6 | 1.1 | 63 of 245 | 74% |
| ROE | 13.6 | 3.0 | 29 of 266 | 89% |
| Debt / Equity | 0.0 | 0.0 | 5 of 266 | 11% |
| EBITDA margin | 61.4 | 48.6 | 106 of 249 | 58% |
| Revenue growth | (11.5) | 12.6 | 156 of 231 | 33% |
| Profit growth | (31.6) | 7.8 | 149 of 251 | 41% |
| Market cap | 35 | 37 | 132 of 260 | 49% |
| 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.
