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KJMC Financial Services Ltd

NSE: KJMCFIN BSE: 530235

45.26

(-4.19%)

Thu, 12 Mar 2026, 05:47 am

KJMC Financial Services Analysis

dividend

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Pros

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    Cons

    • Unable to evaluate KJMC Financial Services's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate KJMC Financial Services's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • KJMC Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • KJMC Financial Services is profitable, therefore cash runway is not a concern.
    • KJMC Financial Services is profitable, therefore cash runway is not a concern.
    • Debt is covered by short term assets, assets are 1.2x debt.
    • KJMC Financial Services's cash and other short term assets cover its long term commitments.
    • KJMC Financial Services's level of debt (39.8%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

    • Debt is not well covered by operating cash flow (14.8%, less than 20% of total debt).
    • The level of debt compared to net worth has increased over the past 5 years (18.5% vs 39.8% today).
    • Interest payments on debt are not well covered by earnings (EBIT is 1.3x annual interest expense, ideally 3x coverage).

    management

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    Pros

    • The average tenure for the KJMC Financial Services board of directors is over 10 years, this suggests they are a seasoned and experienced board.
    • Rajnesh's remuneration is about average for companies of similar size in India.
    • Rajnesh's compensation has been consistent with company performance over the past year, both up more than 20%.
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    Cons

      misc

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      Pros

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        Cons

        • KJMC Financial Services is not covered by any analysts.
        • KJMC Financial Services's last earnings update was 190 days ago.
        • BSE:530235 has not traded for 7 days.

        past

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        Pros

        • KJMC Financial Services's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
        • KJMC Financial Services has improved its use of capital last year versus 3 years ago (Return on Capital Employed).
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        Cons

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

        value

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        Pros

        • KJMC Financial Services is good value based on assets compared to the IN Capital Markets industry average.
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        Cons

        • KJMC Financial Services is overvalued based on earnings compared to the IN Capital Markets industry average.
        • KJMC Financial Services is overvalued based on earnings compared to the India market.
        • 530235 underperformed the Capital Markets industry which returned -21% over the past year.
        • 530235 underperformed the Market in India which returned -14.5% over the past year.
        • BSE:530235 is down -4.9% underperforming the Capital Markets industry which returned 8.7% over the past month.
        • BSE:530235 is down -4.9% underperforming the market in India which returned 8% over the past month.

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        Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800