JMJ Fintech Intrinsic Value
JMJ Fintech (JMJFIN) median intrinsic value is ₹17.57 from 9 valuation models (range ₹5–₹29), vs current price ₹9.68 — +81.5% upside (Trading Below Calculated Value), margin of safety 44.9%. Analyse JMJFIN shareholding pattern to track promoter, FII and institutional holdings.
JMJFIN Valuation Methods Summary — DCF, Graham Number & P/E
JMJ Fintech intrinsic value across 9 models vs current price ₹9.68 — upside/downside and value range per method. Read JMJFIN dividend growth for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹24.48 | ₹19.58 - ₹29.38 | +152.9% | EPS: ₹2.04, Sector P/E: 12x |
| Book Value Method | asset | ₹12.11 | ₹10.90 - ₹13.32 | +25.1% | Book Value/Share: ₹15.14, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹5.95 | ₹5.36 - ₹6.55 | -38.5% | Revenue/Share: ₹5.95, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹17.57 | ₹15.81 - ₹19.33 | +81.5% | EBITDA: ₹13.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹5.02 | ₹4.02 - ₹6.02 | -48.1% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹29.04 | ₹26.14 - ₹31.94 | +200.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹17.54 | ₹15.79 - ₹19.29 | +81.2% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹19.36 | ₹17.42 - ₹21.30 | +100.0% | ROE: 14.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹26.36 | ₹23.72 - ₹29.00 | +172.3% | EPS: ₹2.04, BVPS: ₹15.14 |
JMJFIN Intrinsic Value vs Market Price — All Valuation Models
JMJ Fintech fair value range ₹5–₹29 vs current market price ₹9.68 across 9 valuation models. For current market price and key ratios, visit JMJFIN stock price BSE.
JMJFIN Intrinsic Value Analysis — Undervalued or Overvalued?
JMJ Fintech median intrinsic value ₹17.57, current price ₹9.68 — Trading Below Calculated Value by 81.5%, margin of safety 44.9%.
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 ₹17.57 (median value). With the current market price of ₹9.68, this represents a +81.5% variance from our estimated fair value.
The valuation range spans from ₹5.02 to ₹29.04, indicating ₹5.02 - ₹29.04.
Is JMJFIN undervalued or overvalued?
Based on our multi-method analysis, JMJ Fintech (JMJFIN) appears to be trading below calculated value by approximately 81.5%.
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 |
|---|---|---|---|---|
| Current Ratio | 84.00 | Industry Standard: 2.0+ | Above 2.0 | Measures short-term liquidity capacity |
| Return on Equity | 14.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 62.0% | 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 2025 | ₹-9 Cr | ₹-10 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 |
| March 2021 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |