1. India Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
J.A. Finance Ltd

J.A. Finance Ltd

BBSE:JAFINANCE
151.00
INR
-7.00
(-4.43%)
0.54EPS
155.43P/E
890.78MMarket Cap
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
2.04
5.09
4.98
4.1
4.55
4.1
4.42
2.99
2.26
2.73
2.13
2.62
2.37
Basic EPS, GAAP
0.85
2.03
2.25
-0.11
1.92
2.77
-0.01
1.59
0.38
0.95
-0.04
0.51
0.54
Free Cash Flow per Basic Share
-11.02
0.9
1.59
10.09
0.83
-1.57
-1.84
0.14
-1.52
3.54
-1.04
2.44
- -
Dividend per Share
- -
- -
- -
- -
0.12
- -
0.1
0.1
- -
- -
- -
- -
- -
Book Value per Share
32.15
34.2
36.96
40.27
43.44
44.19
44.22
17.44
17.75
18.69
18.82
19.38
- -
Tangible Book Value per Share
32.15
34.2
36.96
40.27
43.44
44.19
44.22
17.44
17.75
18.69
18.82
19.38
- -
Basic Weighted Avg Shares
4
4
4
4
4
4
4
11
11
11
11
11
11
Sales/Revenue/Turnover
8
20
20
16
18
16
18
32
24
29
23
28
26
Operating Margin (%)
47.99
50.24
56.65
14.38
54.2
79.27
45.23
60.34
25.86
44.24
48.19
28.37
33.01
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
3
8
9
- -
8
11
- -
17
4
10
- -
5
6
Effective Tax Rate (%)
19.77
20.69
20.27
148
22.16
14.21
100.26
11.75
34.87
21.23
104.06
31.63
30.85
Profit Margin (%)
41.73
39.83
45.23
-2.72
42.13
67.7
-0.12
53.24
16.84
34.87
-1.97
19.39
22.82
Working Capital
51
35
37
6
4
34
26
18
16
41
27
35
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
35
57
21
12
7
- -
Total Equity
128
137
148
161
173
176
177
186
189
199
200
206
- -
Return on Invested Capital (%)
- -
5.53
5.44
-0.25
4.03
5.51
-0.01
7.51
1.61
3.74
-0.17
2.29
- -
Return on Capital (%)
- -
5.53
5.46
-0.25
4.03
5.51
-0.01
7.52
1.61
3.75
-0.18
2.29
- -
Return on Common Equity (%)
- -
6.11
6.33
-0.29
4.58
6.33
-0.01
9.37
2.16
5.22
-0.22
2.66
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
18
- -
LT Borrowings
- -
7
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
12
11
11
Market Capitalization
656
762
891

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
54
- -
Cash, Cash Equivalents & STI
- -
2
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
19
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
18
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.26%
3.18%
2.94%
Free Cash Flow
-188.29%
-426.11%
-334.52%
Net Income, GAAP
-8,053.3%
-15,713.85%
-1,306.47%
Sales/Revenue/Turnover
6.66%
15.49%
22.71%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6
6
6
4
23
2026
7
8
5
7
28
2027
5
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.27
0.21
0.22
-0.75
-0.04
2026
0.17
0.23
-0.05
0.16
0.51
2027
0.22
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Jagdish Prasad Sharma
Full Time Employees
- -
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Punwani Chambers Kolkata WB India 700001
IPO Date
Apr 5, 2023
Website
jafinance.co.in
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Business
J.A. Finance Limited is a non-banking financial company primarily engaged in the business of providing financial products and services including vehicle financing, loan against property, fixed deposits, insurance broking, and wealth management. The company offers a diverse range of loan products such as two-wheeler loans, passenger vehicle loans, personal loans, and MSME loans, catering to individual customers, small and medium enterprises across India. Its operations extend throughout India with a focus on retail financing services, leveraging a strong distribution network of branch offices and digital platforms. Founded in 1994 and headquartered in Mumbai, Maharashtra, J.A. Finance Limited has developed a robust portfolio in vehicle financing, loan against property, and insurance services offering comprehensive financial solutions to its customers. The company also provides third-party insurance broking services, deposit mobilization through fixed deposits, and wealth management advisory targeting retail and institutional clients. It operates under a regulated framework as per the Reserve Bank of India guidelines for non-banking financial companies. Recently, J.A. Finance Limited has focused on enhancing its digital capabilities and distribution reach to expand its customer base and product offerings. There is a strategic emphasis on leveraging technology for seamless customer onboarding, credit assessment, and loan disbursement processes. The company is also exploring partnerships with fintech platforms to tap into under-served markets and increase penetration in vehicle financing and MSME lending segments. These efforts reflect its commitment to business expansion and customer-centric innovation in retail financial services. J.A. Finance Limited continues to operate as an independent entity with no recent name changes or major mergers reported in the last two years. Its business segments primarily cover retail financing, deposit collection, and insurance broking, serving diverse geographic markets across urban and semi-urban India with a focus on sustainable growth and risk management. This profile integrates the company’s core financial products and services, its operational footprint in India, founding details, headquarters, alongside recent strategic movements toward digital transformation and market expansion over the recent period.