JM Financial Ltd.
NSE: JMFINANCILJM Financial Ltd.: A 30-second snapshot
JM Financial (₹133.81) is an NBFC-oriented financial services firm trading at a PE of 10.4 against a sector peer median near 17, at a 32% drawdown from its 52-week high. Five-year revenue and earnings growth of 31% and 50% respectively stand alongside a 3.14% dividend yield, though the consistency score of 15/100 and limited free cash flow history temper the picture. The stock sits below its 200-DMA (₹148.65) but above the 50-DMA (₹129.9), with RSI in neutral territory at 46.
P/E
10.4
Forward P/E
10.7
ROE
—
Debt / Equity
104.10
Profit Margin
+35.6%
Div. Yield
+3.1%
5Y ROE > 15%
0/5
5Y FCF > 0
2/5
Quality
48/100
News
8 headlines · 0 positive · 0 negative
JM Financial Warns Investors on Transfer of Dormant Shares to IEPF - TipRanks
TipRanks
Kissht IPO latest subscription status day 3: Overall 2.8x; QIB 7.5x subscribed - check GMP - Business Today
Business Today
BHEL Q4 results expectations: Multibagger stock set for dividend; 44% returns n a month - Business Today
Business Today
Nearly a century old household brand mulling listing plans! Here's all we know so far - Business Today
Business Today
Kissht IPO: Apply or not? Analysts review on OnEMI Technology issue; latest GMP - Business Today
Business Today
Recent context
- ·The sole company-specific headline involves JM Financial warning investors about transfer of dormant shares to IEPF (Investor Education and Protection Fund), a regulatory-compliance notice with no direct financial impact disclosed in the data.
- ·News sentiment across 8 collected items is entirely neutral (0 positive, 0 negative); several headlines appear unrelated to the company, indicating a low-news-flow period for JMFINANCIL.
- ·The 3-month price change of -3.17% contrasts with the +25% 1-year return, consistent with a stock that appreciated sharply over the prior year and has since given back a portion of those gains.
Strengths
- +PE of 10.4 is the lowest among the 6 compared peers (sector range 14.7 to 68.5), placing JM Financial at a 40% discount to the peer closest in valuation (Axis Bank at 14.7).
- +5-year revenue CAGR of 31.4% and earnings CAGR of 50% represent above-average growth relative to the financial services peer set in this comparison.
- +Dividend yield of 3.14% is notable for a mid-cap financial services name, and the debt trend is classified as flat rather than deteriorating.
- +Quality score of 63 ranks 1st of 6 peers in the comparison set; the next-ranked peers (Axis Bank, Bajaj Finance) score 53.
Weaknesses
- −D/E of 104.1 is high even for a financial-services balance sheet; FCF was positive in only 2 of the available measurement years and consistency score is 15/100, indicating limited observed earnings durability.
- −ROE data is absent (field null, roeYearsAbove15 = 0) — a key return metric for an NBFC is unobservable from this dataset, limiting quality-of-earnings assessment.
- −Price is 32.4% below the 52-week high and 10.0% below the 200-DMA, reflecting a sustained drawdown from the peak regardless of the positive 1-year return.
- −Analyst coverage is extremely sparse at 1 analyst with a null rating, providing no consensus signal on the stock at this time.
Open questions
- ?Does the high D/E ratio of 104.1 reflect standard NBFC borrowing leverage, or is there off-balance-sheet exposure that would change the leverage picture?
- ?Given that FCF was positive in only 2 of the available years despite a 50% earnings CAGR, what is driving the gap between reported earnings and cash generation — is it loan book expansion, working capital intensity, or accounting treatment?
- ?The PE discount to peers is substantial (10.4 vs sector range 14.7–68.5); what specific business-mix or governance factors have historically kept JM Financial at a lower multiple than comparable financial names?
- ?With ROE data unavailable in this dataset, what does the company's own reported return-on-equity trend look like across its annual reports, and how does it compare to the cost of its borrowings?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| JMFINANCIL | JM Financial Ltd.You're viewing | 10.4 | — | 63 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.8 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.2 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.4 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹133.81
SMA 50
₹129.90
SMA 200
₹148.65
RSI (14)
46.1 (neutral)
From 52w high
-32.4%
1Y return
+25.0%
3M return
-3.2%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highD/E of 104.1 is characteristic of NBFC/financial-services leverage structures, but FCF was positive in only 2 of the available years and consistency score stands at 15/100, indicating limited observed earnings durability across the data window.
- mediumCurrent price of ₹133.81 is 10.0% below the 200-DMA of ₹148.65, though it sits 3.0% above the 50-DMA of ₹129.9. The stock is 32.4% below its 52-week high, with RSI at 46.1 (neutral zone) and a 3-month price change of -3.17%.
- mediumROE data is absent across the measurement window (roeYearsAbove15 = 0, ROE field null). No year cleared the 15% threshold based on available data, making return-on-equity analysis non-derivable from this dataset.
- lowAnalyst coverage is extremely sparse: rating field is null with only 1 analyst counted. No consensus signal can be derived, and the lone rating carries no statistical weight.
- lowAll 8 collected news items are rated neutral; 0 positive, 0 negative. Several headlines do not appear directly related to JMFINANCIL (e.g. BHEL, Kissht IPO), suggesting limited company-specific news flow in the collection window.
Cross-section contradictions
- 5-year earnings CAGR of 50% and revenue CAGR of 31.4% are strong growth figures, yet FCF was positive in only 2 of the available years and the consistency score is 15/100 — suggesting reported earnings growth has not translated into reliable free cash generation.
- Stock price is 32.4% below its 52-week high and 10.0% below the 200-DMA, while the 1-year price change is +25% — implying a sharp appreciation followed by a material reversal, with the current level reflecting a drawdown from the post-run peak.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days