JMJ Fintech
BSE: JMJFIN · Non Banking Financial Company (NBFC)
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Snapshot
Unlock JMJ Fintech's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
JMJ Fintech Limited is an Indian non-banking financial company that provides credit solutions, including gold loans, microfinance, and small business loans, to underserved segments. The firm focuses on financial inclusion for individuals and small enterprises that lack access to traditional banking channels.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which includes gold-backed lending and microfinance products. It leverages a fintech-oriented approach to scale its operations and reach within the competitive Indian financial services market.
Management Commentary
Management is currently focused on structural changes and rebranding to align the firm with modern fintech objectives. The company is prioritising the expansion of its digital infrastructure to improve operational efficiency.
Growth Outlook
Growth is expected to be driven by the expansion of the company's loan portfolio and the enhancement of its digital infrastructure. The firm aims to increase its operational scale within the underserved segments of the Indian financial market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the underserved segments default on their gold or microfinance loans.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Market Competition. The firm operates in a highly competitive landscape, facing pressure from both traditional banks and larger, well-capitalised fintech competitors.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the overall demand for its credit products.
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Key Metrics
REVENUE
₹22 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹4.39
TTM · standalone
RETURN ON EQUITY
24.0%
TTM · standalone
P/E
2.2x
Q4 FY26 · standalone
NET PROFIT MARGIN
32.3%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
JMJ FintechJMJFIN | ₹36 Cr | 2.17 | — | 27.9% | — | 24.0% | — | -33.0% |
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% |
As of Q4 FY26
Financials
JMJ Fintech
BSE: JMJFIN · 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 JMJ Fintech's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
JMJ Fintech Limited is an Indian non-banking financial company that provides credit solutions, including gold loans, microfinance, and small business loans, to underserved segments. The firm focuses on financial inclusion for individuals and small enterprises that lack access to traditional banking channels.
Business Model
The company generates revenue primarily through interest income earned on its loan portfolio, which includes gold-backed lending and microfinance products. It leverages a fintech-oriented approach to scale its operations and reach within the competitive Indian financial services market.
Management Commentary
Management is currently focused on structural changes and rebranding to align the firm with modern fintech objectives. The company is prioritising the expansion of its digital infrastructure to improve operational efficiency.
Growth Outlook
Growth is expected to be driven by the expansion of the company's loan portfolio and the enhancement of its digital infrastructure. The firm aims to increase its operational scale within the underserved segments of the Indian financial market.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the underserved segments default on their gold or microfinance loans.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that could impact its operational flexibility.
- Market Competition. The firm operates in a highly competitive landscape, facing pressure from both traditional banks and larger, well-capitalised fintech competitors.
- Interest Rate Risk. Fluctuations in interest rates may affect the company's net interest margins and the overall demand for its credit products.
Start your research today
Unlock AI insights, financials, peers and live data on JMJ Fintech and 5,000+ companies — free.
Key Metrics
REVENUE
₹22 Cr
TTM · standalone
NET PROFIT
₹8 Cr
TTM · standalone
EPS
₹4.39
TTM · standalone
RETURN ON EQUITY
24.0%
TTM · standalone
P/E
2.2x
Q4 FY26 · standalone
NET PROFIT MARGIN
32.3%
Q4 FY26 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q4 FY26