JMJ Fintech Intrinsic Value
JMJ Fintech intrinsic value. JMJ Fintech (JMJFIN) median intrinsic value is ₹18.38 from 9 valuation models (range ₹4–₹28), vs current price ₹9.19 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit JMJFIN stock price BSE.
JMJFIN Valuation Methods Summary — DCF, Graham Number & P/E
JMJ Fintech intrinsic value across 9 models vs current price ₹9.19 — upside/downside and value range per method. Compare with JMJFIN fair value estimate to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹27.57 | ₹22.06 - ₹33.08 | +200.0% | EPS: ₹4.00, Sector P/E: 12x |
| Book Value Method | asset | ₹12.11 | ₹10.90 - ₹13.32 | +31.8% | Book Value/Share: ₹15.14, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹5.95 | ₹5.36 - ₹6.55 | -35.3% | Revenue/Share: ₹5.95, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹18.38 | ₹16.54 - ₹20.22 | +100.0% | EBITDA: ₹15.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹27.57 | ₹24.81 - ₹30.33 | +200.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹27.57 | ₹24.81 - ₹30.33 | +200.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹18.38 | ₹16.54 - ₹20.22 | +100.0% | ROE: 16.1%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹27.57 | ₹24.81 - ₹30.33 | +200.0% | EPS: ₹4.00, BVPS: ₹15.14 |
| Dividend Yield Method | dividend | ₹3.75 | ₹3.38 - ₹4.12 | -59.2% | DPS: ₹0.15, Target Yield: 4.0% |
JMJFIN Intrinsic Value vs Market Price — All Valuation Models
JMJ Fintech fair value range ₹4–₹28 vs current market price ₹9.19 across 9 valuation models. Read JMJFIN dividend growth for the complete payout history and dividend yield track record.
JMJFIN Intrinsic Value Analysis — Undervalued or Overvalued?
JMJ Fintech median intrinsic value ₹18.38, current price ₹9.19 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of JMJFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of JMJ Fintech (JMJFIN) is ₹18.38 (median value). With the current market price of ₹9.19, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹3.75 to ₹27.57, indicating ₹3.75 - ₹27.57.
Is JMJFIN undervalued or overvalued?
Based on our multi-method analysis, JMJ Fintech (JMJFIN) appears to be trading below calculated value by approximately 100.0%.
JMJFIN Financial Health — Key Ratios vs Industry Benchmarks
JMJ Fintech financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 16.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 66.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.24x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
JMJFIN Cash Flow Quality — Operating & Free Cash Flow
JMJ Fintech operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-18 Cr | ₹-20 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-8 Cr | ₹-9 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-8 Cr | ₹-8 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-3 Cr | ₹-4 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |