Financials of JM Financial Ltd

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

Financials of JM Financial Ltd

Quarterly Results

Quarter-by-quarter operating performance

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales +9288461,0671,1971,2361,2611,0771,1911,1061,0041,1111,031999
Expenses +313459473535430580462700500426261426436
Operating Profit615387594663806681615491607578850605563
OPM %66%46%56%55%65%54%57%41%55%58%76%59%56%
Other Income +1926141725-831172114231013105
Interest301347366388400407370343318274251254248
Depreciation10121213141416151616171920
Profit before tax32254230278417-572245154287311593344400
Tax %25%40%24%26%23%18%24%6%28%25%23%26%24%
Net Profit +24032177206322-674187144207235459262318
EPS in Rs1.990.601.742.042.91-2.391.792.432.192.194.752.823.27

Financials of JM Financial Ltd

Profit & Loss

Annual income statement trend

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales +1,0071,3421,6852,3593,0623,4943,4463,2113,7243,2914,7864,4104,146
Expenses +4024484595827677439331,0091,2961,1702,0172,0871,549
Operating Profit6058951,2251,7772,2952,7512,5132,2022,4292,1202,7682,3232,596
OPM %60%67%73%75%75%79%73%69%65%64%58%53%63%
Other Income +-161-0-03568153953-80143151
Interest3084205127821,1391,4461,3861,1111,0821,1791,5621,3051,027
Depreciation15182023262741403842536473
Profit before tax2805176939721,1651,2831,0941,0671,3489533539971,649
Tax %29%30%32%34%33%35%29%24%26%26%92%23%
Net Profit +225379526649785837778808992709317741,274
EPS in Rs2.774.225.085.927.176.816.486.198.106.264.298.5913.03
Dividend Payout %36%32%29%25%25%15%3%8%20%29%47%31%

Financials of JM Financial Ltd

Balance Sheet

Capital structure and asset base

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital76787979848484959595969696
Reserves2,1222,4652,8313,2404,4715,0485,5556,9057,5918,0418,3959,63210,198
Borrowings +2,9884,7236,6729,44414,98813,99111,75612,40513,49815,93916,22811,50711,360
Other Liabilities +7441,2391,4803,7822,6643,5173,3513,9734,4775,1374,8743,1122,930
Total Liabilities5,9308,50511,06116,54522,20622,64020,74623,37825,66129,21329,59224,34724,584
Fixed Assets +228445444474427424450423414505572579599
CWIP1212311137410168
Investments4956407722,1562,3882,9334,0145,8023,6393,5844,7245,4644,302
Other Assets +5,2077,4189,84413,91319,38819,28216,28017,15321,60525,11624,29218,29419,514
Total Assets5,9308,50511,06116,54522,20622,64020,74623,37825,66129,21329,59224,34724,584

Financials of JM Financial Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +1,058-1,717-918-2,546-3,5847733,164969-3,203-2,3073,6355,569
Cash from Investing Activity +585-281264-326-708-148-901-2,2492,616-592-2,090-2,475
Cash from Financing Activity +-1,5941,7831,3052,4244,540-522-2,2051,2961,0242,160162-4,786
Net Cash Flow48-215651-4482471035816437-7391,708-1,692
Free Cash Flow945-1,954-937-2,610-3,6057553,154963-3,220-2,4313,5825,536
CFO/OP192%-173%-56%-125%-136%46%141%58%-113%-96%145%249%

Financials of JM Financial Ltd

Ratios

Working capital efficiency and return ratios

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days716277182102723458491354353
Inventory Days
Days Payable
Cash Conversion Cycle716277182102723458491354353
Working Capital Days-132-377-232-244-308-7123528823041110589
ROCE %10%14%13%15%13%13%12%10%11%8%10%9%