JMFINANCIL IN EQUITY
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As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 3,724 | 3,291 | 4,786 | 4,410 | 4,223 | — | — |
| Operating profit | 2,429 | 2,120 | 2,768 | 2,323 | 2,641 | — | — |
| OPM % | 65.2% | 64.4% | 57.8% | 52.7% | 62.5% | — | |
| Interest | 1,082 | 1,179 | 1,562 | 1,305 | 999 | — | — |
| Profit before tax | 1,348 | 953 | 353 | 997 | 1,580 | — | — |
| Net profit | 992 | 709 | 31 | 774 | 1,201 | — | — |
| NPM % | 26.6% | 21.5% | 0.6% | 17.6% | 28.4% | — | |
| Balance sheet & cash | |||||||
| Total assets | 25,661 | 29,213 | 29,592 | 24,347 | 26,337 | 25,787 | −2.1% |
| Equity | 7,686 | 8,136 | 8,491 | 9,728 | 10,658 | 11,046 | +3.6% |
| Debt | 13,498 | 15,939 | 16,228 | 11,507 | 11,635 | 11,430 | −1.8% |
| Cash from ops | -3,458 | -2,307 | 3,635 | 5,569 | 581 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 4.6% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | ✗ FAIL | 0.44 → 0.44 |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 62.5% → — |
| Asset turnover improved | n/a | 0.16 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 1,106 | 1,004 | 1,111 | 1,031 | 999 | 949 | 1,201 | 1,032 | +0.1% |
| Operating profit | 607 | 578 | 850 | 605 | 563 | 491 | 700 |
| 580 |
| −4.1% |
| OPM % | 54.9% | 57.6% | 76.5% | 58.7% | 56.4% | 51.7% | 58.3% | 56.2% |
| Interest | 318 | 274 | 251 | 254 | 248 | 246 | 247 | 258 | +1.6% |
| Profit before tax | 287 | 311 | 593 | 344 | 400 | 243 | 456 | 323 | −6.1% |
| Net profit | 207 | 235 | 459 | 262 | 318 | 162 | 369 | 228 | −13% |
| NPM % | 18.7% | 23.4% | 41.3% | 25.4% | 31.8% | 17.1% | 30.7% | 22.1% |