KJMC Financial Services Share Price & Earnings Call Analysis

Financials of KJMC Financial

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

Financials of KJMC Financial

Quarterly Results

Quarter-by-quarter operating performance

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue +0.720.641.051.321.081.181.582.021.270.052.141.851.60
Interest0.220.240.210.180.100.200.190.160.250.240.180.260.43
Expenses +0.770.750.680.430.570.660.730.670.940.440.510.740.72
Financing Profit-0.27-0.350.160.710.410.320.661.190.08-0.631.450.850.45
Financing Margin %-37.50%-54.69%15.24%53.79%37.96%27.12%41.77%58.91%6.30%-1,260.00%67.76%45.95%28.12%
Other Income +0.050.050.010.070.010.050.100.090.090.170.080.180.07
Depreciation0.050.070.060.060.060.120.110.110.110.110.100.100.14
Profit before tax-0.27-0.370.110.720.360.250.651.170.06-0.571.430.930.38
Tax %0.00%37.84%81.82%13.89%30.56%68.00%10.77%35.90%0.00%-17.54%24.48%25.81%44.74%
Net Profit +-0.27-0.510.020.590.230.020.560.740.03-0.481.080.670.23
EPS in Rs-0.56-1.070.041.230.480.041.171.550.06-1.002.261.380.46
Gross NPA %
Net NPA %

Financials of KJMC Financial

Profit & Loss

Annual income statement trend

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue +0.641.392.312.966.962.642.281.783.693.014.634.925.64
Interest0.090.160.210.401.141.341.320.930.980.760.690.841.11
Expenses +0.520.981.412.165.212.012.432.812.882.812.352.782.41
Financing Profit0.030.250.690.400.61-0.71-1.47-1.96-0.17-0.561.591.302.12
Financing Margin %4.69%17.99%29.87%13.51%8.76%-26.89%-64.47%-110.11%-4.61%-18.60%34.34%26.42%37.59%
Other Income +0.120.090.060.040.070.110.090.180.100.110.140.450.50
Depreciation0.110.190.140.100.070.090.290.190.110.200.300.440.45
Profit before tax0.040.150.610.340.61-0.69-1.67-1.97-0.18-0.651.431.312.17
Tax %-100.00%-46.67%-1.64%-32.35%16.39%2.90%-1.20%-22.34%183.33%40.00%32.87%29.77%
Net Profit +0.080.220.630.470.64-0.83-1.65-1.53-0.51-0.920.860.851.50
EPS in Rs0.230.561.400.981.34-1.73-3.45-3.20-1.07-1.921.801.783.10
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%

Financials of KJMC Financial

Balance Sheet

Capital structure and asset base

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital3.493.914.494.794.794.794.794.794.794.794.794.794.79
Reserves8.349.219.8410.3210.9622.4822.1766.6880.1378.73127.09168.29150.09
Borrowing4.012.672.4810.4512.0713.1914.235.035.658.417.234.4114.27
Other Liabilities +1.301.321.151.811.381.810.906.165.055.249.7920.6318.70
Total Liabilities17.1417.1117.9627.3729.2042.2742.0982.6695.6297.17148.90198.12187.85
Fixed Assets +1.771.551.441.351.300.370.360.190.850.920.700.541.24
CWIP0.000.000.000.000.000.000.000.000.000.000.000.000.00
Investments11.0210.1011.5119.1218.2626.3925.6774.6886.5087.14142.31194.38173.87
Other Assets +4.355.465.016.909.6415.5116.067.798.279.115.893.2012.74
Total Assets17.1417.1117.9627.3729.2042.2742.0982.6695.6297.17148.90198.12187.85

Financials of KJMC Financial

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 +-1.22-2.650.00-1.41-1.32-0.04-1.190.58-1.24-3.513.381.39
Cash from Investing Activity +0.450.140.17-6.660.908.151.502.811.710.74-1.562.33
Cash from Financing Activity +0.812.49-0.038.030.45-1.40-0.25-10.09-0.362.83-1.92-3.66
Net Cash Flow0.04-0.010.14-0.040.026.710.07-6.710.120.06-0.100.06
Free Cash Flow-1.22-2.65-0.03-1.41-1.33-0.25-1.200.56-2.01-3.783.351.36
CFO/OP-1,017%-644%2%-190%-70%19%713%-77%-149%-1,755%152%70%

Financials of KJMC Financial

Ratios

Working capital efficiency and return ratios

Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE %0.70%1.76%4.59%3.19%4.15%-3.86%-6.09%-3.11%-0.65%-1.09%0.80%0.56%

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