/

JM Financial Ltd

NSE: JMFINANCIL BSE: 523405

₹130.36

(0.87%)

Fri, 05 Jun 2026, 04:24 am

MTF 5xInvest in JM Financial Ltd with 5x Leverage Buy with MTF

Market Cap124.53B

PE Ratio10.38

Dividend3.23

Finance

Investment Banks/Brokers

24.5K

JM Financial Analysis

dividend

Pros

Cons

JM Financial is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
No need to calculate the sustainability of JM Financial's dividends as it is not paying a notable one for India.
JM Financial is not paying a notable dividend for India, therefore no need to check if the payments are stable.
JM Financial's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
JM Financial's dividend is below the markets top 25% of dividend payers in India (3.08%).

future

Pros

JM Financial's earnings are expected to exceed the low risk growth rate next year.
Performance (ROE) is expected to be above the current IN Capital Markets industry average.
An improvement in JM Financial's performance (ROE) is expected over the next 3 years.

Cons

JM Financial is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).

health

Pros

JM Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
JM Financial is profitable, therefore cash runway is not a concern.
JM Financial is profitable, therefore cash runway is not a concern.
Debt is well covered by operating cash flow (26.9%, greater than 20% of total debt).
Debt is covered by short term assets, assets are 1.7x debt.
JM Financial's cash and other short term assets cover its long term commitments.
The level of debt compared to net worth has been reduced over the past 5 years (147.7% vs 144.5% today).
Low level of unsold assets.

Cons

JM Financial's level of debt (144.5%) compared to net worth is high (greater than 40%).

management

Pros

The tenure for the JM Financial board of directors is about average.
Vishal's remuneration is lower than average for companies of similar size in India.

Cons

Vishal's compensation has increased by more than 20% in the past year whilst earnings fell less than 20%.
JM Financial individual insiders have only sold shares in the past 3 months.

misc

Pros

Cons

JM Financial is covered by less than 3 analysts.
JM Financial has significant price volatility in the past 3 months.

past

Pros

JM Financial's year on year earnings growth rate has been positive over the past 5 years.

Cons

JM Financial's 1-year earnings growth is negative, it can't be compared to the 5-year average.
JM Financial used its assets less efficiently than the IN Capital Markets industry average last year based on Return on Assets.
JM Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
JM Financial's 1-year earnings growth is negative, it can't be compared to the IN Capital Markets industry average.

value

Pros

JMFINANCIL outperformed the Capital Markets industry which returned -21% over the past year.
NSEI:JMFINANCIL is up 14% outperforming the Capital Markets industry which returned 8.7% over the past month.
NSEI:JMFINANCIL is up 14% outperforming the market in India which returned 8% over the past month.

Cons

JM Financial's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
JM Financial's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
JM Financial is overvalued based on assets compared to the IN Capital Markets industry average.
JM Financial is overvalued based on earnings compared to the IN Capital Markets industry average.
JM Financial is overvalued based on earnings compared to the India market.
JMFINANCIL underperformed the Market in India which returned -14.5% over the past year.