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KJMC Financial Services Ltd
Fundamental Score
KJMC Financial Services 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 KJMCFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (24.40%)
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.
Consistent Growth Track Record (16.63% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (20.26% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (20.26% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Conservative Debt Levels (D/E: 0.09)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Balanced Promoter Holding (74.40%)
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
9 factors identified
Below-Average Return on Equity (0.56%)
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 (1.36%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-10.81%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-22.28%)
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.
Negative Free Cash Flow (₹-0.52 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Limited Institutional Interest (FII+DII: 1.37%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
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. Assess capital allocation strategy.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
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Financial Statements
Comprehensive financial data for KJMC Financial Services Ltd
About KJMCFIN
Business Overview
KJMC Financial Services Limited, a non-banking financial company, primarily engages in the business of investing/trading in securities and advancing personal and commercial loans in India. The company offers short term loans to corporates and individuals; co-lending/loan transfers; MSME loans; distributes third party loan products, such as home, business, and machinery loans, as well as construction finance and loans against property and shares; and fund based financial services and funding solutions. It also invests in listed and unlisted securities. The company serves retail, MSME, and commercial customers. The company was incorporated in 1988 and is based in Mumbai, India.
Company Details
Key Leadership
KJMCFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of KJMC Financial Services Ltd (KJMCFIN)?
As of 20 Jan 2026, 11:04 am IST, KJMC Financial Services Ltd (KJMCFIN) is currently trading at ₹51.63. The stock has a market capitalization of ₹31.96 (Cr).
Is KJMCFIN share price Overvalued or Undervalued?
KJMCFIN is currently trading at a P/E ratio of 24.77x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the KJMC Financial Services Ltd share price?
Key factors influencing KJMCFIN's price include its quarterly earnings growth (Sales Growth: -22.28%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is KJMC Financial Services Ltd a good stock for long-term investment?
KJMC Financial Services Ltd shows a 5-year Profit Growth of 20.26% and an ROE of 0.56%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.09 before investing.
How does KJMC Financial Services Ltd compare with its industry peers?
KJMC Financial Services Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare KJMCFIN's P/E of 24.77x and ROE of 0.56% against the industry averages to determine its competitive standing.
What is the P/E ratio of KJMCFIN and what does it mean?
KJMCFIN has a P/E ratio of 24.77x compared to the industry average of 22.03x. 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 ₹25 for every ₹1 of annual earnings.
How is KJMCFIN performing according to Bull Run's analysis?
KJMCFIN has a Bull Run fundamental score of 37/100, 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 KJMCFIN belong to?
KJMCFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting KJMC Financial Services Ltd.
What is Return on Equity (ROE) and why is it important for KJMCFIN?
KJMCFIN has an ROE of 0.56%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently KJMC Financial Services Ltd generates profits from shareholders' equity.
How is KJMCFIN's debt-to-equity ratio and what does it indicate?
KJMCFIN has a debt-to-equity ratio of 0.09, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is KJMCFIN's dividend yield and is it a good dividend stock?
KJMCFIN offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has KJMCFIN grown over the past 5 years?
KJMCFIN has achieved 5-year growth rates of: Sales Growth 16.63%, Profit Growth 20.26%, and EPS Growth 20.26%.
What is the promoter holding in KJMCFIN and why does it matter?
Promoters hold 74.40% of KJMCFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is KJMCFIN's market capitalization category?
KJMCFIN has a market capitalization of ₹32 crores, placing it in the Small-cap category.
How volatile is KJMCFIN stock?
KJMCFIN 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 KJMCFIN?
KJMCFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is KJMCFIN's operating profit margin trend?
KJMCFIN has a 5-year average Operating Profit Margin (OPM) of 24.40%, indicating the company's operational efficiency.
How is KJMCFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -22.28% and YoY Profit Growth of -10.81%.
What is the institutional holding pattern in KJMCFIN?
KJMCFIN has FII holding of 0.00% and DII holding of 1.37%. Significant institutional holding often suggests professional confidence in the stock.