JM Financial Limited

JM Financial Limited (JMFINANCIL) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Finance›Holding Company

jmfl.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-09-03

Stock price
₹134.53
Market cap
12,876 Cr
Stock P/E
11.0
P/B
1.13
Dividend yield
3.1%

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income244 Cr274 Cr259 Cr184 Cr189 Cr135 Cr116 Cr238 Cr135 Cr132 Cr147 Cr176 Cr
Other income17 Cr25 Cr15 Cr17 Cr21 Cr14 Cr23 Cr10 Cr13 Cr127 Cr20 Cr24 Cr
Net operating income261 Cr299 Cr275 Cr200 Cr210 Cr149 Cr139 Cr248 Cr148 Cr259 Cr167 Cr200 Cr
Employee cost236 Cr246 Cr120 Cr231 Cr292 Cr221 Cr220 Cr299 Cr271 Cr285 Cr200 Cr296 Cr
Other expenses172 Cr135 Cr113 Cr71 Cr91 Cr82 Cr111 Cr76 Cr82 Cr86 Cr121 Cr95 Cr
Provisions & contingencies————————————
Depreciation13 Cr14 Cr14 Cr16 Cr15 Cr16 Cr16 Cr17 Cr19 Cr20 Cr22 Cr22 Cr
Profit before tax278 Cr418 Cr-571 Cr246 Cr154 Cr287 Cr311 Cr594 Cr351 Cr414 Cr246 Cr455 Cr
Tax %26.0%22.9%-18.0%24.1%6.4%27.6%24.5%22.7%25.5%23.0%34.1%19.1%
Net profit206 Cr322 Cr-674 Cr187 Cr144 Cr207 Cr235 Cr459 Cr262 Cr318 Cr162 Cr369 Cr
EPS (₹)₹2.04₹2.91₹-2.39₹1.79₹2.43₹2.19₹2.19₹4.75₹2.82₹3.27₹1.73₹3.05

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income919 Cr895 Cr798 Cr769 Cr757 Cr994 Cr623 Cr653 CrSign in for TTM
Other income37 Cr22 Cr29 Cr56 Cr78 Cr71 Cr75 Cr169 CrSign in for TTM
Net operating income955 Cr917 Cr827 Cr825 Cr835 Cr1,066 Cr699 Cr822 CrSign in for TTM
Employee cost422 Cr395 Cr441 Cr548 Cr622 Cr795 Cr963 Cr1,054 CrSign in for TTM
Other expenses287 Cr304 Cr312 Cr400 Cr452 Cr350 Cr356 Cr365 CrSign in for TTM
Provisions & contingencies————————Sign in for TTM
Depreciation27 Cr41 Cr40 Cr38 Cr42 Cr53 Cr64 Cr78 CrSign in for TTM
Profit before tax1,283 Cr1,094 Cr1,069 Cr1,348 Cr953 Cr357 Cr998 Cr1,605 CrSign in for TTM
Tax %34.8%28.9%24.4%26.4%25.6%91.4%22.5%25.1%Sign in for TTM
Net profit837 Cr778 Cr808 Cr992 Cr709 Cr31 Cr774 Cr1,201 CrSign in for TTM
EPS (₹)₹6.82₹6.48₹6.34₹8.11₹6.26₹4.29₹8.59₹12.57Sign in for TTM
Dividend payout %———9.7%27.7%282.7%25.3%33.4%Sign in for TTM
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Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital84 Cr84 Cr95 Cr95 Cr95 Cr96 Cr96 Cr96 Cr
Reserves5,048 Cr5,502 Cr6,905 Cr7,538 Cr8,041 Cr8,395 Cr9,632 Cr10,562 Cr
Borrowings13,991 Cr11,756 Cr12,369 Cr13,458 Cr15,875 Cr16,145 Cr11,419 Cr11,522 Cr
Other liabilities878 Cr3,351 Cr1,330 Cr4,671 Cr2,226 Cr2,563 Cr2,854 Cr3,657 Cr
Total liabilities22,635 Cr20,693 Cr23,375 Cr25,762 Cr29,370 Cr29,764 Cr24,504 Cr26,537 Cr
Fixed assets (net)359 Cr—362 Cr—440 Cr495 Cr503 Cr540 Cr
CWIP1 Cr—0.86 Cr—7 Cr4 Cr10 Cr160 Cr
Investments2,933 Cr4,014 Cr5,802 Cr3,639 Cr3,584 Cr4,724 Cr5,464 Cr6,209 Cr
Loans & advances14,337 Cr11,900 Cr11,223 Cr15,072 Cr16,929 Cr15,063 Cr9,918 Cr9,832 Cr
Inventories0 Cr—0 Cr—102 Cr143 Cr130 Cr128 Cr
Trade receivables685 Cr324 Cr499 Cr499 Cr1,215 Cr569 Cr646 Cr1,431 Cr
Cash & bank752 Cr—826 Cr—524 Cr2,232 Cr540 Cr472 Cr
Other assets3,568 Cr4,454 Cr4,662 Cr6,552 Cr6,569 Cr6,534 Cr7,293 Cr7,766 Cr
Total assets22,635 Cr20,693 Cr23,375 Cr25,762 Cr29,370 Cr29,764 Cr24,504 Cr26,537 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity———-3,203 Cr-2,449 Cr3,635 Cr5,569 Cr581 Cr
Cash from investing———2,616 Cr-451 Cr-2,090 Cr-2,475 Cr-532 Cr
Cash from financing———1,024 Cr2,161 Cr162 Cr-4,786 Cr-116 Cr
Net cash flow———437 Cr-739 Cr1,708 Cr-1,692 Cr-68 Cr
Free cash flow (OCF − Capex)———-3,220 Cr-2,573 Cr3,581 Cr5,535 Cr517 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %12.5%14.3%9.9%11.5%7.9%7.1%10.6%11.4%
ROE %7.4%9.8%6.1%10.1%5.3%3.7%8.0%10.6%
Debtor days703457491354454127
Inventory days0—0—11111111
Days payable————————
Cash conversion cycle703457491475565139
Debt / equity2.732.101.771.761.411.461.171.08
Current ratio————————
Net debt / EBITDA4.874.705.275.587.335.074.754.40

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA————————
Gross NPA %————————
Net NPA————————
Net NPA %————————
CET1 %————————
Additional Tier 1 %————————
Capital adequacy %————————
NIM %————————
ROA %————————

Compare with peers

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