JA Finance Intrinsic Value
JAFINANCE Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹14.55 | ₹13.10 - ₹16.01 | -72.8% | Book Value/Share: ₹18.18, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹16.04 | ₹14.44 - ₹17.64 | -70.0% | Revenue/Share: ₹2.73, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹21.39 | ₹19.25 - ₹23.53 | -60.0% | EBITDA: ₹2.00Cr, EV/EBITDA: 5x |
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Valuation Comparison Chart
JAFINANCE Intrinsic Value Analysis
What is the intrinsic value of JAFINANCE?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of JA Finance (JAFINANCE) is ₹16.04 (median value). With the current market price of ₹53.48, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹14.55 to ₹21.39, indicating ₹14.55 - ₹21.39.
Is JAFINANCE undervalued or overvalued?
Based on our multi-method analysis, JA Finance (JAFINANCE) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.25 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.20 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Operating Margin | 64.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for JA Finance
Additional stock information and data for JAFINANCE
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-1 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹4 Cr | ₹4 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-2 Cr | ₹-3 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹0 Cr | ₹0 Cr | Negative Cash Flow | 3/10 |