JM Financial Intrinsic Value
JM Financial (JMFINANCIL) median intrinsic value is ₹263.00 from 9 valuation models (range ₹72–₹395), vs current price ₹131.50 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit JMFINANCIL share price screener.
JMFINANCIL Valuation Methods Summary — DCF, Graham Number & P/E
JM Financial intrinsic value across 9 models vs current price ₹131.50 — upside/downside and value range per method. Also explore JMFINANCIL price movement history to track price trends across different timeframes.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹135.36 | ₹108.29 - ₹162.43 | +2.9% | EPS: ₹11.28, Sector P/E: 12x |
| Book Value Method | asset | ₹328.75 | ₹295.88 - ₹361.63 | +150.0% | Book Value/Share: ₹1065.73, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹263.00 | ₹236.70 - ₹289.30 | +100.0% | Revenue/Share: ₹425.83, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹263.00 | ₹236.70 - ₹289.30 | +100.0% | EBITDA: ₹2384.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹328.75 | ₹263.00 - ₹394.50 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹72.19 | ₹64.97 - ₹79.41 | -45.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹92.95 | ₹83.66 - ₹102.25 | -29.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹263.00 | ₹236.70 - ₹289.30 | +100.0% | ROE: 10.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹394.50 | ₹355.05 - ₹433.95 | +200.0% | EPS: ₹11.28, BVPS: ₹1065.73 |
JMFINANCIL Intrinsic Value vs Market Price — All Valuation Models
JM Financial fair value range ₹72–₹395 vs current market price ₹131.50 across 9 valuation models. Browse JM Financial annual reports for revenue, profit, balance sheet and cash flow data.
JMFINANCIL Intrinsic Value Analysis — Undervalued or Overvalued?
JM Financial median intrinsic value ₹263.00, current price ₹131.50 — 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 9 different valuation methods, the estimated intrinsic value of JM Financial (JMFINANCIL) is ₹263.00 (median value). With the current market price of ₹131.50, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹72.19 to ₹394.50, indicating ₹72.19 - ₹394.50.
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 | 0.82 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| 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 |
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 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 |