JM Financial Ltd
Fundamental Score
JM Financial Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of JMFINANCIL across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (60.98%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 12.94 vs Industry: 20.02)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Strong Cash Generation (₹4430.46 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Balanced Promoter Holding (56.60%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Below-Average Return on Equity (9.01%)
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 (9.39%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Revenue Contraction (-13.37%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Elevated Debt Levels (D/E: 1.10)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (2.40x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Financial Statements
Comprehensive financial data for JM Financial Ltd
About JMFINANCIL
Business Overview
JM Financial Limited, together with its subsidiaries, provides various integrated and diversified financial services to corporations, financial institutions, government organizations, high net-worth individuals, and retail customers in India and internationally. The company operates through Investment Bank; Mortgage Lending; Alternative & Distressed Credit; and Asset Management, Wealth Management & Securities Business (Platform AWS) segments. The Investment Bank segment manages capital markets transactions, as well as advises on mergers and acquisitions, and private equity syndication. This segment also provides institutional equities business and research, portfolio management, private equity funds, fixed income, syndication, and finance services. The Mortgage Lending segment offers finance against commercial and residential real estate to a range of corporate and non-corporate clients; housing finance; and lending services to educational institutions. The Alternative & Distressed Credit segment provides securitization and reconstruction of financial assets and manages alternative credit funds. The Platform AWS segment offers investment advisory and distribution services, which include equity brokerage, elite and retail wealth management, and margin trade financing; distributes financial products; and manages mutual fund assets through various schemes. The company also provides real estate consulting and capital market lending services. The company was formerly known as J.M. Share and Stock Brokers Private Limited and changed its name to JM Financial Limited in September 2004. JM Financial Limited was founded in 1973 and is headquartered in Mumbai, India.
Company Details
Key Leadership
Corporate Events
JMFINANCIL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of JM Financial Ltd (JMFINANCIL)?
As of 08 Feb 2026, 11:56 am IST, JM Financial Ltd (JMFINANCIL) is currently trading at ₹122.24. The stock has a market capitalization of ₹14.78K (Cr).
Is JMFINANCIL share price Overvalued or Undervalued?
JMFINANCIL is currently trading at a P/E ratio of 12.94x, compared to the industry average of 20.02x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the JM Financial Ltd share price?
Key factors influencing JMFINANCIL's price include its quarterly earnings growth (Sales Growth: -13.37%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is JM Financial Ltd a good stock for long-term investment?
JM Financial Ltd shows a 5-year Profit Growth of 8.53% and an ROE of 9.01%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.10 before investing.
How does JM Financial Ltd compare with its industry peers?
JM Financial Ltd competes with major peers in the Holding Company. Investors should compare JMFINANCIL's P/E of 12.94x and ROE of 9.01% against the industry averages to determine its competitive standing.
What is the P/E ratio of JMFINANCIL and what does it mean?
JMFINANCIL has a P/E ratio of 12.94x compared to the industry average of 20.02x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹13 for every ₹1 of annual earnings.
How is JMFINANCIL performing according to Bull Run's analysis?
JMFINANCIL has a Bull Run fundamental score of 39.3/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does JMFINANCIL belong to?
JMFINANCIL operates in the Holding Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting JM Financial Ltd.
What is Return on Equity (ROE) and why is it important for JMFINANCIL?
JMFINANCIL has an ROE of 9.01%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently JM Financial Ltd generates profits from shareholders' equity.
How is JMFINANCIL's debt-to-equity ratio and what does it indicate?
JMFINANCIL has a debt-to-equity ratio of 1.10, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is JMFINANCIL's dividend yield and is it a good dividend stock?
JMFINANCIL offers a dividend yield of 1.75%, which means you receive ₹1.75 annual dividend for every ₹100 invested.
How has JMFINANCIL grown over the past 5 years?
JMFINANCIL has achieved 5-year growth rates of: Sales Growth 5.06%, Profit Growth 8.53%, and EPS Growth 5.80%.
What is the promoter holding in JMFINANCIL and why does it matter?
Promoters hold 56.60% of JMFINANCIL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is JMFINANCIL's market capitalization category?
JMFINANCIL has a market capitalization of ₹14783 crores, placing it in the Mid-cap category.
How volatile is JMFINANCIL stock?
JMFINANCIL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for JMFINANCIL?
JMFINANCIL has a 52-week high of ₹N/A and low of ₹N/A.
What is JMFINANCIL's operating profit margin trend?
JMFINANCIL has a 5-year average Operating Profit Margin (OPM) of 60.98%, indicating the company's operational efficiency.
How is JMFINANCIL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -13.37% and YoY Profit Growth of 16.30%.
What is the institutional holding pattern in JMFINANCIL?
JMFINANCIL has FII holding of 18.38% and DII holding of 5.61%. Significant institutional holding often suggests professional confidence in the stock.