Arthneeti

J A Finance Share Price & Earnings Call Analysis

₹138.35-4.85% today
Market cap
₹147 Cr
P/E
254.01
ROE
2.65%
PEG
26.43
Price to sales
57.33
Debt to equity
0.12
Sales growth (5Y)
9.28%
EBITDA margin
65.76%
Net profit margin
19.35%
Promoter holding
59.90%
Sales (last year)
₹3 Cr

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does J A Finance rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

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Financials of J A Finance

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of J A Finance

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +0.441.000.810.560.680.680.580.590.420.730.810.550.69
Interest0.210.390.300.110.110.120.080.070.060.240.300.270.23
Expenses +0.310.340.120.210.180.210.200.200.230.240.190.360.17
Financing Profit-0.080.270.390.240.390.350.300.320.130.250.32-0.080.29
Financing Margin %-18.18%27.00%48.15%42.86%57.35%51.47%51.72%54.24%30.95%34.25%39.51%-14.55%42.03%
Other Income +0.000.000.000.000.000.010.000.000.000.000.000.000.00
Depreciation0.000.000.000.000.000.000.000.000.000.000.000.000.00
Profit before tax-0.080.270.390.240.390.360.300.320.130.250.32-0.080.29
Tax %50.00%25.93%25.64%25.00%12.82%19.44%23.33%25.00%715.38%28.00%25.00%-25.00%41.38%
Net Profit +-0.120.200.290.180.340.290.220.24-0.790.190.24-0.060.17
EPS in Rs-0.110.190.270.170.320.270.210.23-0.740.180.23-0.060.16
Gross NPA %3.01%4.54%
Net NPA %2.43%3.67%

Financials of J A Finance

Profit & Loss

Annual income statement trend

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +1.793.172.183.062.282.79
Interest0.300.440.640.920.331.05
Expenses +0.690.810.920.850.840.95
Financing Profit0.801.920.621.291.110.79
Financing Margin %44.69%60.57%28.44%42.16%48.68%28.32%
Other Income +0.000.000.000.000.000.00
Depreciation0.000.000.000.000.000.00
Profit before tax0.801.920.621.291.110.79
Tax %100.00%11.98%35.48%20.93%103.60%31.65%
Net Profit +0.001.700.411.01-0.040.54
EPS in Rs1.600.390.95-0.040.51
Dividend Payout %0.00%0.00%0.00%0.00%0.00%

Financials of J A Finance

Balance Sheet

Capital structure and asset base

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3.9910.6510.6510.6510.6510.65
Reserves13.677.928.259.259.409.99
Borrowing4.174.718.137.093.962.56
Other Liabilities +0.460.240.190.190.170.15
Total Liabilities22.2923.5227.2227.1824.1823.35
Fixed Assets +0.000.010.000.000.000.00
CWIP0.000.000.000.000.000.00
Investments2.082.372.603.170.900.94
Other Assets +20.2121.1424.6224.0123.2822.41
Total Assets22.2923.5227.2227.1824.1823.35

Financials of J A Finance

Cash Flows

Operating, investing and financing cash movement

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +0.15-1.613.77-1.112.60
Cash from Investing Activity +-0.13-0.55-0.402.530.00
Cash from Financing Activity +-0.012.77-1.95-3.45-2.45
Net Cash Flow0.010.611.42-2.030.15
Free Cash Flow0.14-1.613.77-1.112.60
CFO/OP15%-110%181%5%155%

Financials of J A Finance

Ratios

Working capital efficiency and return ratios

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.00%4.36%2.19%5.21%-0.20%2.65%

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