JM Financial Intrinsic Value
JM Financial (JMFINANCIL) median intrinsic value is ₹252.60 from 10 valuation models (range ₹44–₹379), vs current price ₹126.30 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Check JM Financial marketcap in USD to track the company's total market size over time.
JMFINANCIL Valuation Methods Summary — DCF, Graham Number & P/E
JM Financial intrinsic value across 10 models vs current price ₹126.30 — upside/downside and value range per method. For current market price and key ratios, visit JMFINANCIL share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹83.04 | ₹66.43 - ₹99.65 | -34.3% | EPS: ₹6.92, Sector P/E: 12x |
| Book Value Method | asset | ₹315.75 | ₹284.18 - ₹347.33 | +150.0% | Book Value/Share: ₹1183.12, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹252.60 | ₹227.34 - ₹277.86 | +100.0% | Revenue/Share: ₹402.92, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹252.60 | ₹227.34 - ₹277.86 | +100.0% | EBITDA: ₹2036.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹315.75 | ₹252.60 - ₹378.90 | +150.0% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹44.29 | ₹39.86 - ₹48.72 | -64.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹57.02 | ₹51.32 - ₹62.72 | -54.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹252.60 | ₹227.34 - ₹277.86 | +100.0% | ROE: 5.7%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹378.90 | ₹341.01 - ₹416.79 | +200.0% | EPS: ₹6.92, BVPS: ₹1183.12 |
| Dividend Yield Method | dividend | ₹81.25 | ₹73.12 - ₹89.38 | -35.7% | DPS: ₹3.25, Target Yield: 4.0% |
JMFINANCIL Intrinsic Value vs Market Price — All Valuation Models
JM Financial fair value range ₹44–₹379 vs current market price ₹126.30 across 10 valuation models. See JMFINANCIL price to book ratio to compare market price against book value per share.
JMFINANCIL Intrinsic Value Analysis — Undervalued or Overvalued?
JM Financial median intrinsic value ₹252.60, current price ₹126.30 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of JMFINANCIL?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of JM Financial (JMFINANCIL) is ₹252.60 (median value). With the current market price of ₹126.30, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹44.29 to ₹378.90, indicating ₹44.29 - ₹378.90.
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%.
JMFINANCIL Financial Health — Key Ratios vs Industry Benchmarks
JM Financial 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 |
|---|---|---|---|---|
| Current Ratio | 0.99 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 5.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 52.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
JMFINANCIL Cash Flow Quality — Operating & Free Cash Flow
JM Financial 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 | ₹581 Cr | ₹315 Cr | Positive Free Cash Flow | 8/10 |
| 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 | ₹-2,449 Cr | ₹-2,671 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-3,203 Cr | ₹-3,203 Cr | Negative Cash Flow | 3/10 |