Jayabharat Cred.
BSE: JAYBHCR · Non Banking Financial Company (NBFC)
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Snapshot
Unlock Jayabharat Cred.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jayabharat Credit Limited is a Mumbai-based non-banking financial company specialising in asset financing, including hire purchase, leasing, and inter-corporate deposits. The firm primarily serves small and medium enterprises by financing commercial vehicles, automobiles, and machinery.
Business Model
The company generates revenue through interest income and fees derived from its asset financing activities and investment portfolio management. It operates as a non-deposit taking NBFC under the regulatory framework of the Reserve Bank of India.
Management Commentary
Management is currently prioritising the recovery of existing dues and the prudent management of the company's investment portfolio. The firm maintains a limited operational footprint as a micro-cap entity.
Growth Outlook
The company's near-term outlook is focused on consolidation and the recovery of legacy assets rather than aggressive expansion. Future growth remains constrained by its small-scale operations and limited market presence.
Key Risks
- Credit Risk. The company faces potential losses from defaults on its existing loan portfolio and difficulties in recovering outstanding dues.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India, which may impact its operational flexibility.
- Liquidity and Market Risk. Being a micro-cap entity, the company may face challenges in accessing capital markets and managing liquidity compared to larger industry peers.
- Concentration Risk. The firm's historical focus on specific asset classes like commercial vehicles and machinery exposes it to cyclical downturns in those sectors.
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Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Jayabharat Cred.JAYBHCR | ₹7 Cr | — | — | — | — | — | — | — |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
Financials
Jayabharat Cred.
BSE: JAYBHCR · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Jayabharat Cred.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Jayabharat Credit Limited is a Mumbai-based non-banking financial company specialising in asset financing, including hire purchase, leasing, and inter-corporate deposits. The firm primarily serves small and medium enterprises by financing commercial vehicles, automobiles, and machinery.
Business Model
The company generates revenue through interest income and fees derived from its asset financing activities and investment portfolio management. It operates as a non-deposit taking NBFC under the regulatory framework of the Reserve Bank of India.
Management Commentary
Management is currently prioritising the recovery of existing dues and the prudent management of the company's investment portfolio. The firm maintains a limited operational footprint as a micro-cap entity.
Growth Outlook
The company's near-term outlook is focused on consolidation and the recovery of legacy assets rather than aggressive expansion. Future growth remains constrained by its small-scale operations and limited market presence.
Key Risks
- Credit Risk. The company faces potential losses from defaults on its existing loan portfolio and difficulties in recovering outstanding dues.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India, which may impact its operational flexibility.
- Liquidity and Market Risk. Being a micro-cap entity, the company may face challenges in accessing capital markets and managing liquidity compared to larger industry peers.
- Concentration Risk. The firm's historical focus on specific asset classes like commercial vehicles and machinery exposes it to cyclical downturns in those sectors.
Start your research today
Unlock AI insights, financials, peers and live data on Jayabharat Cred. and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
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