JM Financial Limited

Web: jmfl.com NSE: JMFINANCIL BSE: 523405 SECTOR: Financial Services - Finance

122 2(-2%)

Near 52W Low of 112

Volume

18L as on 22, Jul

Open

173

High

131

Low

126

124

VWAP

125

52 Week High

200

52 Week Low

112

Viand Research Rating

Quality Score

29/100

Growth Score

27/100

Valuation Score

50/100

Momentum Score

0/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

11,675

No. of Shares

95.6

P/E

47.79

P/B

3.42

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

7.16

ROCE

Profit Growth

Listing Date

10-Oct-06

Promoter Holding

57.07%

FII Holding

17.16%

DII Holding

5.88%

Price Chart

Price Performance

1 Week1%

1 Month3%

3 Months7%

6 Months5%

1 Year31%

YTD16%

Moving Average

5 Day SMA124

10 Day SMA125

20 Day SMA126

30 Day SMA125

50 Day SMA127

61 Day SMA129

80 Day SMA129

200 Day SMA138

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	130	125	129	130
Resistance 2	129	125	127	129
Resistance 1	127	124	127	126
Pivot Point	125	124	125	125
Support 1	123	124	123	122
Support 2	121	123	123	121
Support 3	119	123	121	118

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,708	746	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,28,380	1433	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,35,523	1014	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,47,464	1040	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,33,640	422	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,984	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,80,565	1223	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,02,712	1891	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,41,507	1026	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,86,506	1859	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021
Promoters	(0.21) 57.07%	(0.31) 56.90%	(0.11) 56.61%	(0.01) 56.51%	(0.11) 56.50%	(0.01) 56.43%	(0.01) 56.43%	(0.01) 56.43%	(0.01) 56.44%	(0.01) 56.44%	(0.01) 56.47%	(0.01) 56.48%	(0.51) 56.49%	(0.01) 56.02%	(0.61) 56.02%	(0.01) 55.41%	(0.11) 55.42%	(0.51) 55.27%	(0.01) 54.81%
FIIs	(-0.61) 17.16%	(-0.71) 17.71%	(0.71) 18.38%	(0.21) 17.69%	(0.51) 17.48%	(1.71) 17.02%	(-1.51) 15.31%	(-1.41) 16.83%	(0.31) 18.19%	(-0.91) 17.92%	(-1.91) 18.82%	(-0.51) 20.72%	(-0.91) 21.24%	(0.01) 22.14%	(1.01) 22.12%	(-0.71) 21.13%	(0.41) 21.83%	(-0.31) 21.41%	(0.01) 21.74%
DIIs	(0.11) 5.88%	(0.11) 5.76%	(-0.91) 5.61%	(-0.51) 6.53%	(-0.11) 7.07%	(-1.41) 7.20%	(-0.11) 8.57%	(0.21) 8.63%	(0.01) 8.46%	(0.41) 8.46%	(0.51) 8.06%	(0.11) 7.61%	(0.11) 7.47%	(-1.01) 7.35%	(-0.51) 8.30%	(0.01) 8.79%	(-0.91) 8.78%	(-0.71) 9.72%	(0.01) 10.45%
Public	19.89%	19.64%	19.42%	19.27%	18.94%	19.36%	19.70%	18.11%	16.91%	17.17%	16.66%	15.19%	14.80%	14.49%	13.57%	14.67%	13.97%	13.60%	13.00%
No. of Shareholders	172,802	176,556	177,160	173,290	187,163	189,596	162,210	163,944	158,446	135,103	119,301	106,989	96,936	97,865	98,301	99,903	99,229	95,172	92,691

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022	Jun 2022	Mar 2022	Dec 2021	Sep 2021	Jun 2021
Sales	949	999	1031	1111	1004	1106	1191	1077	1261	1236	1197	1067	846	928	859	791	810	952	962	986
Sales Growth % (YoY)	-5.5%	-9.6%	-13.4%	3.2%	-20.4%	-10.5%	-0.6%	1%	49.1%	33.2%	39.4%	34.8%	4.4%	-2.6%	-10.7%	-19.7%	-1.9%	7.6%	20.2%	43.5%
Sales Growth % (QoQ)	-5%	-3.1%	-7.2%	10.7%	-9.2%	-7.1%	10.6%	-14.6%	2%	3.3%	12.2%	26.1%	-8.8%	8%	8.6%	-2.3%	-14.9%	-1%	-2.4%	-
Expenses	458	436	426	261	426	500	700	462	580	430	535	473	459	313	279	276	258	323	355	362
Operating Profit	491	563	605	850	578	607	491	615	681	806	663	594	387	615	580	515	552	629	607	624
OPM %	52	56	59	76	58	55	41	57	54	65	55	56	46	66	67	65	68	66	63	63
Other Income	20	105	13	10	23	14	21	17	-831	25	17	14	26	19	18	14	30	13	7	7
Interest	246	248	254	251	274	318	343	370	407	400	388	366	347	301	270	261	250	283	287	261
Depreciation	22	20	19	17	16	16	15	16	14	14	13	12	12	10	10	10	10	9	9	9
Profit before tax	243	400	344	593	311	287	154	245	-572	417	278	230	54	322	318	259	322	349	317	360
Tax %	34	24	26	23	25	28	6	24	18	23	26	24	40	25	25	24	29	25	28	24
Net Profit	162	318	262	459	235	207	144	187	-674	322	206	177	32	240	238	198	228	261	228	275
Net Profit Growth % (QoQ)	-49.1%	21.4%	-42.9%	95.3%	13.5%	43.8%	-23%	127.7%	-309.3%	56.3%	16.4%	453.1%	-86.7%	0.8%	20.2%	-13.2%	-12.6%	14.5%	-17.1%	-
Net Profit Growth % (YoY)	-31.1%	53.6%	81.9%	145.5%	134.9%	-35.7%	-30.1%	5.6%	-2206.2%	34.2%	-13.4%	-10.6%	-86%	-8%	4.4%	-28%	-	-	-	-
TTM Net Profit	1201	1274	1163	1045	773	-136	-21	41	31	737	655	687	708	904	925	915	992	764	503	0
EPS in Rs	1.73	3.27	2.82	4.75	2.19	2.19	2.43	1.79	-2.39	2.91	2.04	1.74	0.6	1.99	1.89	1.78	1.87	2.27	1.83	2.13

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Sales	4091	4410	4787	3292	3724	3211	3446	3494	3062	2359	1685	1342	1007	1042
Sales Growth %	-7.2%	-7.9%	45.4%	-11.6%	16%	-6.8%	-1.4%	14.1%	29.8%	40%	25.5%	33.3%	-3.4%	20.6%
Expenses	1581	2087	2017	1170	1296	1009	933	743	767	582	459	448	402	399
Operating Profit	2510	2323	2770	2122	2429	2202	2513	2751	2295	1777	1225	895	605	643
OPM %	61	53	58	64	65	69	73	79	75	75	73	67	60	62
Other Income	148	43	-802	51	39	15	8	6	35	0	0	61	-1	0
Interest	999	1305	1562	1179	1082	1111	1386	1446	1139	782	512	420	308	377
Depreciation	78	64	53	42	38	40	41	27	26	23	20	18	15	12
Profit before tax	1580	997	353	953	1348	1067	1094	1283	1165	972	693	517	280	254
Tax %	26	23	92	26	26	24	29	35	33	34	32	30	29	30
Net Profit	1201	774	31	709	992	808	778	837	785	649	526	379	225	199
Net Profit Growth %	55.2%	2396.8%	-95.6%	-28.5%	22.8%	3.9%	-7%	6.6%	21%	23.4%	38.8%	68.4%	13.1%	-
EPS in Rs	12.57	8.59	4.29	6.26	8.1	6.19	6.48	6.81	7.17	5.92	5.08	4.22	2.77	2.43
Dividend Payout %	14	31	47	43	20	8	3	15	25	25	29	32	36	37

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Cash from Operating Activity	581	5569	3635	-2449	-3203	969	3164	773	-3584	-2546	-918	-1717	1058	-402
Cash from Investing Activity	-532	-2475	-2090	-443	2616	-2249	-901	-148	-708	-326	264	-281	585	167
Cash from Financing Activity	-116	-4786	162	2153	1024	1296	-2205	-522	4540	2424	1305	1783	-1594	256
Net Cash Flow	-68	-1692	1708	-739	437	16	58	103	247	-448	651	-215	48	21

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013
Equity Capital	96	96	96	96	96	95	95	95	84	84	84	79	79	78	76	75
Reserves	10562	10198	9632	8615	8395	8041	7591	6905	5555	5048	4471	3240	2831	2465	2122	1975
Borrowings	11635	11360	11507	13949	16228	15939	13498	12405	11756	13991	14988	9444	6672	4723	2988	4197
Other Liabilities	4245	2930	3112	5372	4874	5137	4477	3973	3351	3517	2664	3782	1480	1239	744	679
Total Liabilities	26537	24584	24347	28031	29592	29213	25661	23378	20746	22640	22206	16545	11061	8505	5930	6927
Fixed Assets	625	599	579	574	572	505	414	423	450	424	427	474	444	445	228	101
CWIP	160	168	10	8	4	7	3	1	1	1	3	2	1	2	1	0
Investments	6209	4302	5464	5810	4724	3584	3639	5802	4014	2933	2388	2156	772	640	495	568
Other Assets	19543	19514	18294	21638	24292	25116	21605	17153	16280	19282	19388	13913	9844	7418	5207	6258
Total Assets	26537	24584	24347	28031	29592	29213	25661	23378	20746	22640	22206	16545	11061	8505	5930	6927

Delivery

#	Date	114 22% 140	Value (Cr)	Q/T 130	Del 37	Del 24
1	22-Jul	124	22	75	48	11
2	21-Jul	124	37	71	46	17
3	20-Jul	124	18	78	47	9
4	17-Jul	124	18	85	48	9
5	16-Jul	126	22	79	55	12
6	15-Jul	125	21	97	37	8
7	14-Jul	123	24	111	61	15
8	13-Jul	127	37	96	32	12
9	10-Jul	125	61	116	60	36
10	9-Jul	124	32	99	54	17
11	8-Jul	125	29	100	45	13
12	7-Jul	131	22	82	47	10
13	6-Jul	132	46	122	43	20
14	3-Jul	131	54	142	44	23
15	2-Jul	129	55	123	33	18
16	1-Jul	129	67	145	43	29
17	30-Jun	122	21	97	51	11
18	29-Jun	124	16	82	47	8
19	25-Jun	126	22	115	50	11
20	24-Jun	126	19	60	41	8
21	23-Jun	126	22	88	51	11
22	22-Jun	129	52	135	50	26
23	19-Jun	126	36	118	45	16
24	18-Jun	125	37	125	45	17
25	17-Jun	127	63	148	46	29
26	16-Jun	125	35	89	49	17
27	15-Jun	124	49	110	39	19
28	12-Jun	121	49	110	43	21
29	11-Jun	116	26	85	51	13
30	10-Jun	118	21	97	44	9
31	9-Jun	119	28	117	58	16
32	8-Jun	118	26	99	48	12
33	5-Jun	121	34	105	36	12
34	4-Jun	121	35	107	45	16
35	3-Jun	123	69	120	38	26
36	2-Jun	129	236	205	13	32
37	1-Jun	119	114	156	38	43
38	29-May	130	31	96	50	16
39	27-May	132	17	84	51	9
40	26-May	133	30	98	41	12
41	25-May	132	26	87	49	13
42	22-May	129	16	60	44	7
43	21-May	130	21	55	45	10
44	20-May	128	27	58	41	11
45	19-May	129	23	79	49	11
46	18-May	129	23	84	45	11
47	15-May	134	14	70	41	6
48	14-May	138	15	73	33	5

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	11,675c	203c	1.71
22-Jul	11,878c	14c	0.12
21-Jul	11,863c	26c	0.22
17-Jul	11,838c	196c	1.63
16-Jul	12,034c	4c	0.03
15-Jul	12,038c	112c	0.94
14-Jul	11,926c	259c	2.13
13-Jul	12,185c	260c	2.18
10-Jul	11,925c	37c	0.31
09-Jul	11,962c	28c	0.23
08-Jul	11,990c	550c	4.39
07-Jul	12,540c	92c	0.73
06-Jul	12,632c	180c	1.44
02-Jul	12,452c	107c	0.87
01-Jul	12,345c	651c	5.56
30-Jun	11,694c	206c	1.73
29-Jun	11,900c	104c	0.87
26-Jun	12,004c	12c	0.10
25-Jun	11,991c	58c	0.48
24-Jun	12,050c	2c	0.02
23-Jun	12,052c	250c	2.03
22-Jun	12,301c	183c	1.51
19-Jun	12,118c	139c	1.16
18-Jun	11,980c	105c	0.87
17-Jun	12,085c	141c	1.18
16-Jun	11,944c	117c	0.99
15-Jun	11,828c	264c	2.28
12-Jun	11,564c	420c	3.77
11-Jun	11,144c	211c	1.86
10-Jun	11,355c	0	0

Stock Checklist

Price is below from 52 week high low average: 77%

Stock is trading above all short term SMAs: NO

Stock is trading above all long term SMAs: NO

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: YES

Mutual Fund Holdings

Held by 75 fund scheme(s) across 20 fund house(s) as of Jul26 · Total value ₹1,285 Cr · 0 increasing / 17 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
quant Mutual Fund	2	0.77%	-	464.9
ICICI Prudential Mutual Fund	10	0.73%	-0.20%	359.8
Motilal Oswal Mutual Fund	10	2.18%	-	293
Axis Mutual Fund	4	0.13%	-	108.4
Nippon India Mutual Fund	4	0.24%	-	18.1
Franklin Templeton Mutual Fund	2	0.87%	-0.08%	17
SBI Mutual Fund	4	0.15%	-	8.8
The Wealth Company Mutual Fund	4	4.23%	-	4.5
Jio BlackRock Mutual Fund	2	0.20%	-	4
HDFC Mutual Fund	6	0.10%	-0.04%	3.8
Edelweiss Mutual Fund	2	0.26%	-	1
Groww Mutual Fund	4	0.15%	-	0.9
Bandhan Mutual Fund	4	0.15%	-	0.5
Taurus Mutual Fund	2	1.64%	-1.00%	0.4
Kotak Mahindra Mutual Fund	2	0.22%	-0.05%	0.3
Navi Mutual Fund	4	0.08%	-	0.1
DSP Mutual Fund	4	0.14%	-	0
Angel One Mutual Fund	2	0.02%	-	0
Mirae Asset Mutual Fund	2	0.02%	-	0
Zerodha Mutual Fund	1	0.11%	-0.02%	0

JM Financial Limited

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