Justo Realfintech Limited

Justo Realfintech Limited

BBSE:JUSTO
79.28
INR
+1.28
(+1.64%)
11.77EPS
6.29P/E
1.39BMarket Cap

Total Valuation

INR

As of March 31, 2026, Justo Realfintech Limited carries a market capitalization of 1.39B, placing it among publicly traded companies globally. Its enterprise value stands at 1.11B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap1.39B
Enterprise Value1.11B

Share Statistics

As of March 31, 2026, Justo Realfintech Limited has 18.80M shares outstanding.

Shares Outstanding18.80M

Valuation Ratios

As of March 31, 2026, Justo Realfintech Limited trades at a trailing price-to-earnings ratio of 6.29. The price-to-sales ratio is 1.32, and the price-to-book ratio stands at 1.10.

PE Ratio6.29
PS Ratio1.32
PB Ratio1.10
P/TBV Ratio1.18
P/FCF Ratio-12.83
P/OCF Ratio-12.83

Enterprise Valuation

As of March 31, 2026, Justo Realfintech Limited trades at an EV/EBITDA multiple of 4.00 - the valuation measure that neutralizes differences in capital structure, tax rates, and depreciation policy, making it the standard yardstick for comparing companies across an industry. The EV/Sales ratio of 1.21 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Its EV/EBIT multiple of 4.05 values the business against core operating earnings after depreciation, a stricter test than EV/EBITDA for capital-intensive businesses. These enterprise value multiples are built on an enterprise value of 1.11B versus a market cap of 1.39B, with the gap driven by net debt and cash on the balance sheet.

EV / Sales1.21
EV / EBITDA4.00
EV / EBIT4.05

Financial Position

As of March 31, 2026, Justo Realfintech Limited maintains a current ratio of 4.06, meaning it holds 4.1x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 12.05, indicating elevated leverage, while an interest coverage ratio of 13.83 demonstrates strong ability to service its debt obligations.

Current Ratio4.06
Quick Ratio1.25
Debt / Equity12.05
Debt / EBITDA0.55
Interest Coverage13.83

Financial Efficiency

INR

Over the twelve months ended March 31, 2026, Justo Realfintech Limited posted a return on equity (ROE) of 21.49, showing how much profit the company earns on every dollar of shareholder capital. Return on invested capital (ROIC) comes in at 19.04 - the clearest signal of whether the business earns more on its capital than that capital costs, and the core measure of a durable competitive advantage. Return on assets (ROA) stands at 16.13, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 19.69, useful for judging operating efficiency across full business cycles. The company generates approximately 3.18M in revenue per employee across its workforce of 289.00, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)21.49
Return on Assets (ROA)16.13
Return on Invested Capital (ROIC)19.04
Return on Capital Employed (ROCE)19.69
Revenue Per Employee3.18M
Employee Count289.00

Taxes

INR

Over the twelve months ended March 31, 2026, Justo Realfintech Limited recorded 68.85M in income tax expense. That works out to an effective tax rate of 26.38, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 260.95M, leaving 192.10M in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax68.85M
Effective Tax Rate26.38

Stock Price Statistics

INR

As of the close on October 22, 2026, Justo Realfintech Limited's stock has declined approximately 36.80% over the past 52 weeks. The 50-day moving average sits at 95.00, while the 200-day moving average is 94.73.

52-Week Price Change-36.80%
50-Day Moving Average95.00
200-Day Moving Average94.73

Income Statement

INR

Over the twelve months ended March 31, 2026, Justo Realfintech Limited generated 917.83M in revenue and converted that into 192.10M in net income, yielding earnings per share of 11.77. EBITDA reached 278.40M, while operating income came in at 291.35M.

Revenue917.83M
Operating Income291.35M
Pretax Income260.95M
Net Income192.10M
EBITDA278.40M
EBIT275.11M
Earnings Per Share (EPS)11.77

Balance Sheet

INR

As of March 31, 2026, Justo Realfintech Limited holds 428.54M in cash and equivalents against 152.30M in total debt, resulting in a net debt position of -77.94M. Total book value stands at 1.26B, with working capital of 1.05B providing operational flexibility.

Cash & Cash Equivalents428.54M
Total Debt152.30M
Net Debt-77.94M
Equity (Book Value)1.26B
Book Value Per Share67.21
Working Capital1.05B

Cash Flow

INR

Justo Realfintech Limited produced -94.14M in operating cash flow over the twelve months ended March 31, 2026.

Operating Cash Flow-94.14M
Free Cash Flow-94.14M
FCF Per Share-5.77

Margins

These figures cover the twelve months ended March 31, 2026. The operating margin of 31.74 and net profit margin of 20.93 provide insight into operational efficiency.

Operating Margin31.74
Pretax Margin28.43
Profit Margin20.93
EBITDA Margin30.33

Dividends & Yields

These figures cover the twelve months ended March 31, 2026. Free cash flow yield is negative at -7.79: the business is consuming cash rather than generating it, so any dividend is not covered by free cash flow. Total shareholder yield is negative at -37.06, meaning Justo Realfintech Limited raised more capital through share issuance and new debt than it returned via dividends and buybacks.

Shareholder Yield-37.06
FCF Yield-7.79

Scores

As of March 31, 2026, Justo Realfintech Limited has an Altman Z-Score of 4.80, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score4.80