1. India Stocks

  2. •

    Financial Services

  3. •

    Financial - Credit Services
J.A. Finance Ltd

J.A. Finance Ltd

JAFINANCE.BO
J.A. Finance LtdIN flagBombay Stock Exchange
83.00
INR
- -
- -
883.84MMarket Cap
J.A. Finance Ltd
JAFINANCE.BO
(Bombay Stock Exchange)

Recent

price

83.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
2.04
5.09
4.98
4.1
4.55
4.1
4.42
2.99
2.26
2.73
1.92
- -
2.54
Revenue per Share
0.85
2.03
2.25
-0.11
1.92
2.77
-0.01
1.59
0.38
0.95
-0.04
- -
0.49
Basic EPS, GAAP
-11.02
0.9
1.59
10.09
0.83
-1.57
-1.84
0.14
-1.52
3.54
-0.99
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.12
- -
0.1
0.1
- -
- -
- -
- -
- -
Dividend per Share
20.95
22.6
24.91
24.85
26.28
28.5
28.4
11.82
12.13
12.89
12.22
- -
9.72
Book Value per Share
32.15
34.2
36.96
40.27
43.44
44.19
44.22
17.44
17.75
18.69
17.9
- -
18.83
Tangible Book Value per Share
4
4
4
4
4
4
4
11
11
11
11
- -
11
Basic Weighted Avg Shares
8
20
20
16
18
16
18
32
24
29
22
28
28
Sales/Revenue/Turnover
47.99
50.24
56.65
14.38
54.2
79.27
45.23
60.34
25.86
44.24
50.77
28.36
28.36
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
8
9
- -
8
11
- -
17
4
10
- -
5
5
Net Income, GAAP
19.77
20.69
20.27
148
22.16
14.21
100.26
11.75
34.87
21.23
104.06
31.63
31.63
Effective Tax Rate (%)
41.73
39.83
45.23
-2.72
42.13
67.7
-0.12
53.24
16.84
34.87
-2.08
19.39
19.39
Profit Margin (%)
51
35
37
6
4
34
26
18
16
41
27
224
224
Working Capital
- -
- -
- -
- -
- -
- -
- -
35
57
21
12
26
26
LT Debt
128
137
148
161
173
176
177
186
189
199
200
206
206
Total Equity
- -
5.53
5.44
-0.64
4.03
5.53
-0.01
7.52
1.61
3.74
-0.17
2.29
2.29
Return on Invested Capital (%)
- -
8.02
7.65
-0.36
6.12
8.18
-0.01
10.34
2.12
4.84
-0.23
3.5
3.5
Return on Capital (%)
- -
9.31
9.48
-0.45
7.49
10.13
-0.02
14.18
3.18
7.6
-0.33
4.44
4.44
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
142
- -
26
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
11
- -
11
Market Capitalization
845
614
784

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
340
- -
224
Cash, Cash Equivalents & STI
- -
- -
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.26%
3.18%
2.92%
Free Cash Flow
-188.29%
-426.11%
-334.52%
Net Income, GAAP
-8,053.3%
-15,713.85%
-1,306.47%
Sales/Revenue/Turnover
6.92%
16.01%
29.32%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
10
8
5
6
29
2025
6
6
6
4
22
2026
7
8
5
7
28

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.19
0.27
0.17
- -
0.95
2025
0.27
0.21
0.22
-0.75
-0.04
2026
0.17
0.23
-0.05
0.16
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.