BSE:530235

Stock Analysis Report

Executive Summary

KJMC Financial Services Limited operates as a non-banking financial company in India.


Snowflake Analysis

Questionable track record and overvalued.

Share Price & News

How has KJMC Financial Services's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 530235 has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0%

530235

8.7%

IN Capital Markets

9.3%

IN Market


1 Year Return

-60.5%

530235

-38.4%

IN Capital Markets

-29.6%

IN Market

Return vs Industry: 530235 underperformed the Indian Capital Markets industry which returned -40.3% over the past year.

Return vs Market: 530235 underperformed the Indian Market which returned -30.6% over the past year.


Shareholder returns

530235IndustryMarket
7 Day0%8.7%9.3%
30 Day0%-32.4%-23.3%
90 Day-19.8%-33.6%-28.0%
1 Year-60.5%-60.5%-37.2%-38.4%-28.2%-29.6%
3 Year-65.7%-65.7%-42.9%-45.2%-15.8%-20.5%
5 Year-33.9%-33.9%-25.0%-30.2%-4.7%-9.6%

Price Volatility Vs. Market

How volatile is KJMC Financial Services's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is KJMC Financial Services undervalued compared to its fair value and its price relative to the market?

16.75x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 530235's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 530235's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 530235 is poor value based on its PE Ratio (16.8x) compared to the Capital Markets industry average (8.8x).

PE vs Market: 530235 is poor value based on its PE Ratio (16.8x) compared to the Indian market (9.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 530235's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 530235 is good value based on its PB Ratio (0.1x) compared to the IN Capital Markets industry average (0.4x).


Next Steps

Future Growth

How is KJMC Financial Services forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.9%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as KJMC Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has KJMC Financial Services performed over the past 5 years?

7.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 530235 has high quality earnings.

Growing Profit Margin: 530235's current net profit margins (3.1%) are lower than last year (10.5%).


Past Earnings Growth Analysis

Earnings Trend: 530235's earnings have grown by 7.9% per year over the past 5 years.

Accelerating Growth: 530235's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 530235 had negative earnings growth (-70.2%) over the past year, making it difficult to compare to the Capital Markets industry average (-6.1%).


Return on Equity

High ROE: 530235's Return on Equity (0.8%) is considered low.


Next Steps

Financial Health

How is KJMC Financial Services's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: 530235 has a low level of unsold assets or inventory.

Debt Coverage by Assets: 530235's debt is covered by short term assets (assets are 1.2x debt).


Financial Institutions Analysis

Asset Level: 530235's level of assets compared to its equity is low.

Allowance for Bad Loans: Insufficient data to determine if 530235 has a sufficient allowance for bad loans.

Low Risk Liabilities: 530235 reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if 530235 has an acceptable proportion of non-loan assets held.

Low Risk Deposits: 530235 has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if 530235 has an appropriate level of bad loans.


Next Steps

Dividend

What is KJMC Financial Services's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate 530235's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate 530235's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if 530235's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if 530235's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of 530235's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

15.7yrs

Average board tenure


CEO

Rajnesh Jain (52yo)

no data

Tenure

₹4,025,170

Compensation

Mr. Rajnesh Inderchand Jain B.Com, FCA serves as the Chairman of KJMC Technologies & Systems Ltd. and KJMC Capital Market Services Ltd. Mr. Jain has been a Whole Time Director of KJMC Financial Services Lt ...


CEO Compensation Analysis

Compensation vs Market: Rajnesh's total compensation ($USD53.42K) is about average for companies of similar size in the Indian market ($USD48.16K).

Compensation vs Earnings: Rajnesh's compensation has been consistent with company performance over the past year.


Board Members

NamePositionTenureCompensationOwnership
Rajnesh Jain
Whole Time Directorno data₹4.03m2.56% 1.0m
Inderchand Jain
Chairmanno data₹20.00k10.03% 4.0m
Pratap Merchant
Chairman of Kjmc Asset Management Companyno datano datano data
Girish Jain
Non-Executive Director25.42yrs₹19.00k2.56% 1.0m
Sureshchandra Aythora
Independent Director15.67yrs₹27.00k0.0073% 2.9k
Nitin Kulkarni
Independent Director11.42yrs₹27.00k0.0052% 2.1k
Shraddha Jain
Non-Executive Director0.83yrno datano data

15.7yrs

Average Tenure

63yo

Average Age

Experienced Board: 530235's board of directors are seasoned and experienced ( 15.7 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

KJMC Financial Services Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: KJMC Financial Services Limited
  • Ticker: 530235
  • Exchange: BSE
  • Founded: 1988
  • Industry: Asset Management and Custody Banks
  • Sector: Diversified Financials
  • Market Cap: ₹39.722m
  • Shares outstanding: 4.79m
  • Website: https://www.kjmc.com

Location

  • KJMC Financial Services Limited
  • 162, Atlanta
  • 16th Floor
  • Mumbai
  • Maharashtra
  • 400021
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
530235BSE (Mumbai Stock Exchange)YesEquity SharesININROct 2004

Biography

KJMC Financial Services Limited operates as a non-banking financial company in India. The company offers two wheeler, small ticket business, and other loans. It also invests/trades in securities; invests in mutual funds, fixed deposits, equities, bonds, derivatives, unlisted shares, and IPOs, as well as provides investment advisory services; and offers investment banking services comprising syndication of funds, and corporate advisory and valuation. In addition, the company provides fund based financial services and funding solutions to the Indian corporates, institutions, SMEs, etc.; and focuses on capital market related lending products and others. KJMC Financial Services Limited was founded in 1988 and is based in Mumbai, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/31 12:33
End of Day Share Price2020/02/19 00:00
Earnings2019/09/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.