JM Financial Ltd.

NSE: JMFINANCIL | BSE: 523405 | ISIN: INE780C01023 |Industry: Holding Companies
|Await Turnaround
Durability score
35 /100
Valuation score
47.3 /100
Momentum score
40.5 /100
Market Capitalizati...
5,966.2 Cr.
AVG Broker Target
135
PE TTM Price to Ear...
7.2

Peer Group

StockCurrent Price RsPE TTM Price to EarningsMarket Capitalization in CrDividend yield 1yr %Net Profit Qtr CrNet Profit Annual Growth YoY %Operating Revenues Qtr CrRevenue Growth Qtr YoYPrice to Book Value
JM Financial Ltd. 70.957.175966.191.41194.66-3.87850.502.750.77
Bajaj Finserv Ltd.
Market Leader
6870.8519.89109342.710.041454.2528.6812271.6639.932.99
Bajaj Holdings & Inv..
Market Runner Up
3350.00198.2137282.150.9724.79-18.0978.63-24.911.38
Aditya Birla Capital.. 87.0529.8819163.270.00197.1813.093645.7519.041.80
L&T Finance Holdings.. 93.708.3618735.601.07549.4274.723594.5418.201.37
Tata Investment Corp.. 764.9526.763870.652.6119.4616.5925.38-17.970.49
Equitas Holdings Ltd. 103.8031.613545.890.0070.281193.55655.5728.371.45
Kama Holdings Ltd. 4650.0082.843000.460.32-0.425.620.00-100.005.66
All values except ratios in INR(Crores)
IndicatorJun-2019Mar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Graph
Total Revenue Qtr cr 31.4 71.2 28.6 128.3 44.8 114.9 11.5 10.7 107.1
Operating Expenses Qtr Cr 36.7 38.0 22.0 36.6 39.2 46.1 4.2 4.0 4.8
Operating Profit Qtr Cr -6.9 -3.4 -4.0 8.6 0.6 33.6 7.3 6.3 7.8
Operating Profit Margin Qtr % -23.32% -9.9% -21.95% 18.98% 1.61% 42.2% 63.62% 60.97% 61.85%
Depreciation Qtr Cr 3.1 0.5 0.5 0.5 0.4 0.5 0.2 0.2 0.2
Interest Qtr Cr 2.0 0.7 2.7 10.3 5.9 5.3 10.1 8.2 11.0
Profit Before Tax Qtr Cr -10.4 32.0 3.5 80.9 -0.7 63.1 -2.9 -1.8 91.1
Tax Qtr Cr -0.7 -1.3 1.8 3.4 0.6 14.1 -0.2 -0.3 -0.3
Net Profit Qtr Cr -9.7 33.3 1.7 77.5 -1.3 48.9 -2.7 -1.5 91.4
Basic EPS Qtr Rs -0.1 0.4 0.0 0.9 -0.0 0.6 -0.0 -0.0 1.1
Net profit TTM Cr 102.8 111.3 126.9 122.4 43.5 136.2 134.9 137.3 190.6
Basic EPS TTM Rs 1.2 1.3 1.5 1.5 0.5 1.6 1.7 1.7 2.4
Quarterly Operating Revenues Qtr Cr Analysis
Operating Revenues Qtr Cr growth is lower than historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is higher than historical averages.
IndicatorJun-2019Mar-2019Dec-2018Sep-2018Jun-2018Mar-2018Dec-2017Sep-2017Jun-2017Graph
Total Revenue Qtr cr 856.6 953.3 900.7 975.7 855.3 932.6 837.7 755.4 709.1
Operating Expenses Qtr Cr 194.7 350.0 173.4 207.9 197.8 217.3 186.2 180.9 171.2
Operating Profit Qtr Cr 655.8 594.6 724.9 752.6 630.0 715.3 651.6 574.5 537.9
Operating Profit Margin Qtr % 77.11% 62.95% 80.69% 78.36% 76.11% 76.7% 77.78% 76.05% 75.85%
Depreciation Qtr Cr 10.0 7.0 6.9 6.8 6.4 6.8 6.6 6.5 6.4
Interest Qtr Cr 349.6 351.5 378.4 381.5 334.8 306.9 294.2 281.9 261.7
Profit Before Tax Qtr Cr 302.4 244.8 342.0 379.5 316.4 401.7 350.8 286.2 269.8
Tax Qtr Cr 107.7 68.6 121.1 139.4 117.3 140.6 113.5 92.5 91.7
Net Profit Qtr Cr 194.7 176.3 220.9 240.2 199.1 261.1 237.3 193.7 178.1
Basic EPS Qtr Rs 1.5 1.5 1.6 1.9 1.7 2.4 2.1 1.8 1.6
Net profit TTM Cr 832.1 836.5 921.3 937.6 891.1 870.2 819.4 745.7 702.7
Basic EPS TTM Rs 9.9 10.0 11.0 11.2 10.6 10.4 10.3 9.4 8.8
Quarterly Operating Revenues Qtr Cr Analysis
Operating Revenues Qtr Cr growth is lower than historical averages.
Quarterly Net Profit Qtr Cr Analysis
Net Profit Qtr Cr growth is higher than historical averages.
All values except ratios in INR(Crores)
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 259.4 271.9 426.2 163.0 157.8 104.5 87.2 56.2 63.3 44.1
Operating Expenses Annual Cr 133.3 134.8 156.9 15.8 18.1 16.0 11.9 7.1 17.1 23.2
Operating Profit Annual in Cr -5.7 8.3 141.8 31.5 130.5 86.8 74.4 46.3 35.2 6.2
Operating Profit Margin Annual % 3.06% 33.27% 19.34% 82.71% 83.05% 85.36% 82.4% 55.6% 14.07%
Total Expenses Annual Cr 156.2 193.5 56.0 45.7 24.0 12.4 7.4 17.7 23.8
EBIDT Annual Cr 137.1 269.2 147.2 139.6 88.5 75.3 49.0 46.2 20.9
EBIDT margin Annual % 50.44% 63.18% 90.33% 88.51% 84.65% 86.36% 87.28% 72.99% 47.4%
Depreciation Cr 4.6 1.9 1.9 0.7 0.4 0.4 0.4 0.3 0.5 0.6
PAT Before ExtraOrdinary Items Annual Cr 111.3 191.7 106.7 112.3 78.1 71.1 44.8 42.5 20.6
Net Profit Annual Cr 102.8 111.3 191.7 106.7 112.3 78.1 71.1 44.8 42.5 10.0
Basic EPS Annual Rs 1.3 2.4 1.4 1.4 1.0 0.9 0.6 0.6 0.1
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is lower than historical averages.
Average Total Revenue Annual Cr
1 Year:
271.88 Cr
3 Years:
287.0 Cr
5 Years:
224.66 Cr
7 Years:
180.95 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
111.3 Cr
3 Years:
136.57 Cr
5 Years:
120.01 Cr
7 Years:
102.28 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing slower than historical averages.
Average ROE Annual %
1 Year:
4.48 %
3 Years:
6.12 %
5 Years:
5.98 %
7 Years:
5.28 %
IndicatorTTMMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total Revenue Annual Cr 3,686.3 3,578.7 3,234.9 2,359.3 1,684.7 1,403.0 1,006.7 1,042.2 874.0 895.9
Operating Expenses Annual Cr 925.9 822.5 755.6 582.3 459.4 447.9 403.4 399.2 383.7 401.6
Operating Profit Annual in Cr 2,727.8 2,719.3 2,479.3 1,777.0 1,225.2 955.2 603.2 643.0 490.3 494.4
Operating Profit Margin Annual % 75.99% 76.64% 75.32% 72.73% 68.08% 59.92% 61.7% 56.09% 55.18%
Total Expenses Annual Cr 2,295.9 1,926.4 1,387.5 991.8 886.1 726.5 788.3 691.3 657.5
EBIDT Annual Cr 2,756.1 2,479.3 1,777.0 1,225.2 955.2 603.2 643.0 490.3 494.4
EBIDT margin Annual % 77.02% 76.64% 75.32% 72.73% 68.08% 59.92% 61.7% 56.09% 55.18%
Depreciation Cr 30.7 27.1 26.2 23.3 20.3 18.1 15.2 12.2 11.5 12.4
PAT Before ExtraOrdinary Items Annual Cr 836.5 870.2 636.9 470.4 360.5 200.2 179.0 123.2 175.1
Net Profit Annual Cr 832.1 836.5 870.2 636.9 470.4 360.5 200.2 179.0 123.2 175.1
Basic EPS Annual Rs 6.8 7.8 5.9 5.1 4.3 2.8 2.4 1.6 2.3
Annual Total Revenue Annual Cr Analysis
Total Revenue Annual Cr growth is lower than historical averages.
Average Total Revenue Annual Cr
1 Year:
3,578.65 Cr
3 Years:
3,057.6 Cr
5 Years:
2,452.1 Cr
7 Years:
2,044.2 Cr
Annual Net Profit Annual Cr Analysis
Net Profit Annual Cr growth is lower than historical averages.
Average Net Profit Annual Cr
1 Year:
836.48 Cr
3 Years:
781.18 Cr
5 Years:
634.89 Cr
7 Years:
507.66 Cr
Annual ROE Annual % Analysis
ROE Annual % is growing slower than historical averages.
Average ROE Annual %
1 Year:
11.14 %
3 Years:
13.19 %
5 Years:
13.26 %
7 Years:
12.11 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 29.5 29.7 21.7 21.0 21.0 21.6 21.5 21.8 21.6
RoA Annual % 4.19% 7.15% 5.19% 4.94% 4.0% 3.96% 2.52% 2.35% 0.56%
ROE Annual % 4.48% 7.69% 6.18% 6.78% 4.75% 4.35% 2.76% 2.59% 0.62%
ROCE Annual % 5.16% 10.14% 5.81% 6.35% 4.45% 4.07% 2.58% 2.42% 0.58%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 0.0 0.0 0.1 0.3 0.1 0.0 0.0 0.0 0.0
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is lower than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
29.55 Rs
3 Years:
27.0 Rs
5 Years:
24.59 Rs
7 Years:
23.72 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing slower than historical averages.
Average RoA Annual %
1 Year:
4.19 %
3 Years:
5.51 %
5 Years:
5.09 %
7 Years:
4.56 %
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Book Value Per Share Annual Rs 92.5 69.1 55.7 45.3 40.8 31.3 29.3 27.9 28.3
RoA Annual % 2.52% 2.92% 2.84% 3.62% 3.88% 3.53% 2.61% 2.11% 2.88%
ROE Annual % 11.14% 14.26% 14.16% 13.76% 12.99% 9.53% 8.92% 6.19% 8.82%
ROCE Annual % 12.46% 4.71% 5.42% 6.45% 9.17% 7.18% 6.61% 4.83% 7.67%
Profitability Ratio
Liquidity Ratio
Valuation Ratio
Total Debt to Total Equity Annual 2.7 2.8 2.8 2.2 1.7 1.2 2.1 1.6 1.7
Annual Book Value Per Share Annual Rs Analysis
Book Value Per Share Annual Rs growth is higher than historical averages.
Average Book Value Per Share Annual Rs
1 Year:
92.47 Rs
3 Years:
72.45 Rs
5 Years:
60.7 Rs
7 Years:
52.01 Rs
Annual RoA Annual % Analysis
RoA Annual % is growing slower than historical averages.
Average RoA Annual %
1 Year:
2.52 %
3 Years:
2.76 %
5 Years:
3.16 %
7 Years:
3.13 %
All values except ratios in INR(Crores)
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 2,482.0 2,491.0 1,725.5 1,655.0 1,643.2 1,629.8 1,619.4 1,638.0 1,617.8
Minority Interest Liability Annual Cr
Total Non Current Liabilities Annual Cr 136.3 145.7 111.2 111.0 111.5 111.7 111.4 111.9 111.8
Total Current Liabilities Annual Cr 33.9 42.5 216.7 505.9 194.0 49.4 41.8 52.5 54.2
Total Capital Plus Liabilities Annual Cr 2,652.2 2,679.2 2,053.4 2,271.9 1,948.7 1,790.9 1,772.7 1,802.4 1,783.9
Fixed Assets Annual Cr 5.3 5.6 2.3 2.9 2.1 1.5 1.4 2.3 2.2
Total Non Current Assets Annual Cr 188.5 177.9 1,922.4 1,926.8 1,829.5 1,479.2 1,625.7 1,669.2 1,660.4
Total Current Assets Annual Cr 2,463.7 2,501.3 131.0 345.2 119.2 311.7 147.0 133.3 123.5
Total Assets Annual Cr 2,652.2 2,679.2 2,053.4 2,271.9 1,948.7 1,790.9 1,772.7 1,802.4 1,783.9
Contingent Liabilities plus Commitments Annual Cr 142.3 96.2 20.2 16.2 13.4 380.3 3.8 301.5 295.2
Bonus Equity Share Capital Annual Cr 45.0 45.0 45.0 45.0 45.0 45.0 45.0 45.0 45.0
Non Current Investments Unquoted BookValue Annual Cr 0.0 0.0 1,699.1 1,686.6 1,591.6 1,313.4 1,470.4 1,507.4 1,507.9
Current Investments Unquoted BookValue Annual Cr 2,380.5 2,398.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Annual Long Term Debt To Equity Annual Analysis
Average Long Term Debt To Equity Annual
1 Year:
-
3 Years:
-
5 Years:
-
7 Years:
-
Annual Total Assets Annual Cr Analysis
Total Assets Annual Cr growth is lower than historical averages.
Average Total Assets Annual Cr
1 Year:
2,652.16 Cr
3 Years:
2,461.59 Cr
5 Years:
2,321.07 Cr
7 Years:
2,166.99 Cr
IndicatorMar-2019Mar-2018Mar-2017Mar-2016Mar-2015Mar-2014Mar-2013Mar-2012Mar-2011Graph
Total ShareHolders Funds Annual Cr 5,131.7 4,422.0 3,319.3 2,909.5 2,543.0 2,197.1 2,050.6 1,954.4 1,978.8
Minority Interest Liability Annual Cr