J A Finance Ltd Stock Price Today (NSE: JAFINANCE)
Fundamental Score
J A Finance Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
J A Finance Ltd share price today is ₹109.40, up +9.67% on NSE/BSE as of 3 August 2026. J A Finance Ltd (JAFINANCE) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹88.38 (Cr). The 52-week high for JAFINANCE share price is ₹143.99 and the 52-week low is ₹50.35. At a P/E ratio of 163.67x, JAFINANCE is currently trading above its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 2.65% and a debt-to-equity ratio of 0.12.
J A Finance Ltd Share Price Chart — NSE/BSE Historical Performance
J A Finance Ltd share price chart: 24.06% return over the past month. 52-week high ₹143.99, 52-week low ₹50.35.
J A Finance Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹104.73 | ₹104.73 | ₹104.21 | ₹104.21 | 562.00 (Cr) | |
| ₹95.95 | ₹99.75 | ₹95.50 | ₹99.75 | 1.23K (Cr) | |
| ₹95.90 | ₹95.90 | ₹94.50 | ₹95.00 | 175.00 (Cr) | |
| ₹91.35 | ₹91.35 | ₹91.35 | ₹91.35 | 2.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 100.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 200.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 50.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 0.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 0.00 (Cr) | |
| ₹87.00 | ₹87.00 | ₹87.00 | ₹87.00 | 0.00 (Cr) |
J A Finance Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹84.00 | ₹104.73 | ₹82.50 | ₹104.21 | +24.06% | |
| ₹87.56 | ₹90.00 | ₹82.65 | ₹84.00 | -4.07% | |
| ₹87.00 | ₹88.00 | ₹86.90 | ₹87.56 | +0.64% | |
| ₹74.90 | ₹85.88 | ₹74.90 | ₹85.88 | +14.66% | |
| ₹96.00 | ₹96.00 | ₹69.10 | ₹71.60 | -25.42% | |
| ₹95.65 | ₹143.99 | ₹91.40 | ₹101.00 | +5.59% | |
| ₹53.25 | ₹86.77 | ₹52.17 | ₹86.77 | +62.95% | |
| ₹56.60 | ₹61.89 | ₹50.35 | ₹56.05 | -0.97% | |
| ₹62.70 | ₹78.00 | ₹59.57 | ₹59.57 | -4.99% | |
| ₹78.80 | ₹78.90 | ₹51.48 | ₹59.72 | -24.21% | |
| ₹96.90 | ₹101.50 | ₹78.80 | ₹78.80 | -18.68% | |
| ₹113.55 | ₹113.55 | ₹96.90 | ₹96.90 | -14.66% |
AI Research Briefing
Powered by Gemini · 2026-04-15
Micro-cap NBFC with terrible financials; momentum trade only.
WHAT'S HAPPENING NOW (last 2-4 weeks)
J A Finance is The stock's 52-week range is to Recent news is limited, but MarketsMojo downgraded the stock to 'Sell' on April 7, 2026.
CORE STORY (THE REAL GAME)
This is a micro-cap NBFC, likely a financing and investing play focused on SMEs. The market is probably hoping for a turnaround after a period of losses and declining revenue.
- NBFC sector growth hopes
- Low base effect after price declines
- RBI repo rate unchanged
- Positive earnings surprise
- Significant order wins
- Acquisition by a larger NBFC
- Micro/SME cap = liquidity risk
- Negative ROE and shrinking PAT margins
- Poor profit and operating income growth
Promoter holding steady at 59.9%. No FII or DII activity.
NBFC sector projected to grow, but smaller players face funding and compliance pressures.
No Free Cash Flow.
Hoping for a turnaround in the next 3-6 months, but fundamentals don't support it. Monitor quarterly results closely.
Primary Thesis Risk
Inability to improve profitability and manage debt will lead to collapse.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
J A Finance Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
J A Finance Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of JAFINANCE across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (67.58%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Robust Profit Growth (121.52%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (64.29%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Conservative Debt Levels (D/E: 0.12)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Balanced Promoter Holding (59.90%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
5 factors identified
Below-Average Return on Equity (2.65%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.80%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Premium Valuation Risk (P/E: 163.67x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Weak Interest Coverage (1.75x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
J A Finance Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare J A Finance Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
J A Finance LtdJ A Finance Ltd...Selected✓ JAFINANCE • 543860 | 41.3/100 | ₹109.40₹109 | ₹88.38₹88.38 | 163.67Average 163.7 Average | 2.65%Poor 2.65% Poor | 7.80%Poor 7.80% Poor | 0.12Excellent 0.1 Excellent | — — | 9.28%Good 9.28% Good | 0.00% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 62.4/100 | ₹1141.20₹1141 | ₹635919.89₹635919.89 | 33.08Average 33.1 Average | 18.25%Good 18.25% Good | 10.87%Average 10.87% Average | 3.82Poor 3.8 Poor | 34.15%Excellent 34.15% Excellent | 25.18%Excellent 25.18% Excellent | 0.53% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.8/100 | ₹1046.70₹1047 | ₹243379.83₹243379.83 | 24.27Average 24.3 Average | 16.39%Good 16.39% Good | 11.49%Average 11.49% Average | 3.80Poor 3.8 Poor | 32.03%Excellent 32.03% Excellent | 22.54%Excellent 22.54% Excellent | 1.04% |
65.8/100 | ₹1849.90₹1850 | ₹153802.44₹153802.44 | 29.36Average 29.4 Average | 19.35%Good 19.35% Good | 9.71%Poor 9.71% Poor | 6.93Poor 6.9 Poor | 28.05%Excellent 28.05% Excellent | 26.56%Excellent 26.56% Excellent | 0.11% | |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 73.9/100 | ₹3119.60₹3120 | ₹121113.00₹121113.00 | 11.44Average 11.4 Average | 30.92%Excellent 30.92% Excellent | 15.77%Good 15.77% Good | 3.88Poor 3.9 Poor | 22.71%Excellent 22.71% Excellent | 22.03%Excellent 22.03% Excellent | 0.99% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 55.2/100 | ₹311.25₹311 | ₹78301.66₹78301.66 | 24.45Average 24.4 Average | 11.22%Average 11.22% Average | 8.40%Poor 8.40% Poor | 3.94Poor 3.9 Poor | 32.35%Excellent 32.35% Excellent | 6.05%Good 6.05% Good | 0.88% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 54.3/100 | ₹686.35₹686 | ₹62415.22₹62415.22 | 22.61Average 22.6 Average | 13.94%Average 13.94% Average | 9.09%Poor 9.09% Poor | 4.80Poor 4.8 Poor | 45.37%Excellent 45.37% Excellent | 10.99%Good 10.99% Good | 0.53% |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 43.9/100 | ₹660.15₹660 | ₹60979.59₹60979.59 | 28.14Average 28.1 Average | 14.69%Average 14.69% Average | 10.10%Average 10.10% Average | 2.80Poor 2.8 Poor | 17.08%Excellent 17.08% Excellent | 16.43%Excellent 16.43% Excellent | 0.39% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 29.5/100 | ₹4665.60₹4666 | ₹50074.63₹50074.63 | 23.75Average 23.8 Average | 15.01%Good 15.01% Good | 9.44%Poor 9.44% Poor | 4.68Poor 4.7 Poor | 12.69%Good 12.69% Good | 13.23%Good 13.23% Good | 0.89% |
23.9/100 | ₹539.30₹539 | ₹42560.25₹42560.25 | 22.04Average 22.0 Average | 13.13%Average 13.13% Average | 13.67%Average 13.67% Average | 0.23Excellent 0.2 Excellent | — — | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 54.9/100 | ₹463.55₹464 | ₹41881.04₹41881.04 | 77.14Average 77.1 Average | 5.86%Poor 5.86% Poor | 7.51%Poor 7.51% Poor | 4.68Poor 4.7 Poor | 24.33%Excellent 24.33% Excellent | 23.97%Excellent 23.97% Excellent | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635919.89 Cr
- Shriram Finance Ltd share price243379.83 Cr
- Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
- Muthoot Finance Ltd share price121113.00 Cr
- L&T Finance Ltd share price78301.66 Cr
J A Finance Ltd PE Ratio History
Historical price-to-earnings ratio for JAFINANCE — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2024 | ₹0.95 | ₹66.88 | 70.4x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
J A Finance Ltd Dividend History
Annual cash dividends paid by JAFINANCE — dividend yield N/A
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2022 | ₹0.11 Cr |
| FY 2021 | ₹0.04 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
J A Finance Ltd Quarterly Performance
Latest quarterly metrics for JAFINANCE — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
64.29%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
121.52%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
9.28%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
N/A
Compounded annual net profit growth over 5 years
J A Finance Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for JAFINANCE — calculated from daily price history
Momentum is strong — price may be stretched. Watch for pullbacks.
Technical indicators are for educational purposes only. Not investment advice.
J A Finance Ltd Financial Statements
Annual income statement, balance sheet and cash flow for J A Finance Ltd (JAFINANCE) — sourced from NSE/BSE filings.
Loading Financial Statements...
Fetching financial data for J A Finance Ltd
About JAFINANCE (J A Finance Ltd)
J A Finance Ltd is a Non-Banking Financial Company headquartered in the bustling city of Kolkata, India, carving its niche within the dynamic Indian financial landscape. Establishe...d with a vision to facilitate financial accessibility, J A Finance Ltd operates primarily in the realm of providing financial solutions, playing a vital role in supporting individuals and businesses alike. The company focuses on strategic financial activities aimed at fostering growth and empowering economic participation. Through diligent management and adherence to regulatory frameworks, J A Finance Ltd strives to be a reliable partner in the financial journeys of its clientele. Beyond traditional lending, J A Finance Ltd actively engages in strategic investment initiatives. This aspect of the company's operations involves a calculated approach to wealth creation and capital appreciation through participation in various market instruments. These include carefully considered transactions involving shares and derivatives, undertaken with a commitment to due diligence and risk management. By participating in these investment activities, J A Finance Ltd aims to diversify its portfolio and strengthen its financial foundation, further enhancing its ability to serve its customers and stakeholders effectively and responsibly. Since its incorporation, J A Finance Ltd has maintained a consistent presence in the Indian financial market, demonstrating resilience and adaptability in a constantly evolving environment. The company's commitment to ethical practices and sound financial management remains paramount, guiding its operations and shaping its strategic decisions. Headquartered in Kolkata, J A Finance Ltd continues to navigate the complexities of the financial sector, working towards sustainable growth and contributing to the economic vibrancy of the region and the nation. Its core focus is to continue to support its customer base by way of lending or investments.
Company Details
Key Leadership
Latest News
JAFINANCE Share Price: Frequently Asked Questions
What is the current share price of J A Finance Ltd?
J A Finance Ltd (JAFINANCE) trades at ₹109.40 on NSE and BSE. Market cap ₹88.38 (Cr). Educational data only.
What is the P/E ratio of J A Finance Ltd?
J A Finance Ltd has a P/E of 163.67x vs industry average 22.18x.
What is the Bull Run score for J A Finance Ltd?
J A Finance Ltd has a Bull Run score of 41.3/100 based on 25+ financial parameters.
Does J A Finance Ltd pay dividends?
J A Finance Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of J A Finance Ltd?
J A Finance Ltd has ROE of 2.65%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of J A Finance Ltd?
J A Finance Ltd has debt-to-equity of 0.12.
Is J A Finance Ltd a good investment?
Bull Run gives J A Finance Ltd a score of 41.3/100. This is not investment advice — consult a SEBI-registered advisor.