JM Financial Intrinsic Value
JMFINANCIL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹135.36 | ₹108.29 - ₹162.43 | -8.5% | EPS: ₹11.28, Sector P/E: 12x |
| Book Value Method | asset | ₹369.85 | ₹332.87 - ₹406.84 | +150.0% | Book Value/Share: ₹1065.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹295.88 | ₹266.29 - ₹325.47 | +100.0% | Revenue/Share: ₹425.83, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹295.88 | ₹266.29 - ₹325.47 | +100.0% | EBITDA: ₹2384.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹369.85 | ₹295.88 - ₹443.82 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹72.19 | ₹64.97 - ₹79.41 | -51.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹92.95 | ₹83.66 - ₹102.25 | -37.2% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹295.88 | ₹266.29 - ₹325.47 | +100.0% | ROE: 10.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹443.82 | ₹399.44 - ₹488.20 | +200.0% | EPS: ₹11.28, BVPS: ₹1065.73 |
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Valuation Comparison Chart
JMFINANCIL Intrinsic Value Analysis
What is the intrinsic value of JMFINANCIL?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of JM Financial (JMFINANCIL) is ₹295.88 (median value). With the current market price of ₹147.94, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹72.19 to ₹443.82, indicating ₹72.19 - ₹443.82.
Is JMFINANCIL undervalued or overvalued?
Based on our multi-method analysis, JM Financial (JMFINANCIL) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.82 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 2.40 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 10.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 58.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for JM Financial
Additional stock information and data for JMFINANCIL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹5,569 Cr | ₹4,332 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹3,635 Cr | ₹2,590 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-2,307 Cr | ₹-2,603 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-3,203 Cr | ₹-3,203 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹969 Cr | ₹-156 Cr | Positive Operating Cash Flow | 6/10 |