JMJ Fintech Intrinsic Value
JMJ Fintech (JMJFIN) median intrinsic value is ₹20.60 from 9 valuation models (range ₹14–₹31), vs current price ₹10.30 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Also explore JMJ Fintech stock price data download to track price trends across different timeframes.
JMJFIN Valuation Methods Summary — DCF, Graham Number & P/E
JMJ Fintech intrinsic value across 9 models vs current price ₹10.30 — upside/downside and value range per method. For current market price and key ratios, visit JMJFIN stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹30.90 | ₹24.72 - ₹37.08 | +200.0% | EPS: ₹4.30, Sector P/E: 12x |
| Book Value Method | asset | ₹14.77 | ₹13.29 - ₹16.25 | +43.4% | Book Value/Share: ₹18.46, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹17.69 | ₹15.92 - ₹19.46 | +71.7% | Revenue/Share: ₹17.69, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹20.60 | ₹18.54 - ₹22.66 | +100.0% | EBITDA: ₹14.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹14.28 | ₹11.42 - ₹17.14 | +38.6% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹30.90 | ₹27.81 - ₹33.99 | +200.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹30.90 | ₹27.81 - ₹33.99 | +200.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹20.60 | ₹18.54 - ₹22.66 | +100.0% | ROE: 29.2%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹30.90 | ₹27.81 - ₹33.99 | +200.0% | EPS: ₹4.30, BVPS: ₹18.46 |
JMJFIN Intrinsic Value vs Market Price — All Valuation Models
JMJ Fintech fair value range ₹14–₹31 vs current market price ₹10.30 across 9 valuation models. Browse JMJFIN complete financial statements for revenue, profit, balance sheet and cash flow data.
JMJFIN Intrinsic Value Analysis — Undervalued or Overvalued?
JMJ Fintech median intrinsic value ₹20.60, current price ₹10.30 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹20.60 (median value). With the current market price of ₹10.30, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹14.28 to ₹30.90, indicating ₹14.28 - ₹30.90.
Is JMJFIN undervalued or overvalued?
Based on our multi-method analysis, JMJ Fintech (JMJFIN) appears to be trading below calculated value by approximately 100.0%.
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 | 0.25 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 29.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 62.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.48x | 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 |