Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q4 FY2025-26 Earnings Presentation
21 slides from Jmj Fintech's earnings presentation, August 2026
Slide 1: JMJ Fintech Limited Investor Presentation Q4 FY 2025-26
JMJ FINTECH LIMITED INVESTOR PRESENTATION Q4 FY 2025-26 EEE wwwjmitintechita.com rolowus @ @ ©
Slide 2: Disclaimer
MI JMJ FINTECH DISCLAIMER This presentation and the contents therein have been prepared by JMJ Fintech Limited (the "Company”) solely for information purposes and do not constitute, and should not be construed as, an offer, invitation, recommendationr solicitation to purchase or subscribe to any sec
Slide 3: About us
About us JMJ Fintech Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC), operating as a non-deposit taking institution and having it’s Registered Office at Ganapathy, Coimbatore, Tamil Nadu. The company stands firm on ethical financial principles, transparency, and cu
Slide 4: Management Overview: Board of Directors
JMJ MANAGEMENT OVERVIEW BoarD OF DIRECTORS FINTECH Mr. Johny Madathumpady Lonappan Mr. Joju Madathumpady Johny Promoter & Executive Chairman, Managing Director Lt. Col. Velayudhanpillai Harikumar CA. Sivadas Chettoor CA. Julie George Varghese Independent Director Independent Director Independent Dir
Slide 5: Key Managerial Personnel
KEY MANAGERIAL PERSONNEL (risen r ( =~ J Mr. Johny Madathumpady Lonappan Mr. Joju Madathumpady Johny Promoter & Executive Chairman Managing Director CS. Vidya Damodaran Mr. Justin Thomas O Company Secretary & Compliance Officer Chief Financial Officer
Slide 6: Core values: innovation, integrity, community, customer centricity
INNOVATION [EN we INTEGRITY Me community [CUSTOMER COMMITMENT CENTRICITY VS | EMPOWERMENT
Slide 7: JMJ Fintech Limited at a Glance
JMJ FINTECH LIMITED AT A GLANCE Mant 44+ Market Cap " Years of il Rs. 3284.85 cece 4 Excellence ' Lakhs 8 con Net Worth Revenue 24,000 + FY26 - Rs. 5603.45 OD Fy26 -Rs. 2199.38 Customers Lakhs [4 Lakhs Net Profit EPS EBITDA FY26 - Rs. 759.83 FY26 - Rs. 2.04 FY26 - Rs.1374.27 Lakhs Lakhs \ v Reserves
Slide 8: A Pan India Digital Appearance
M JMJ FINTECH A PAN INDIA DIGITAL APPEARANCE THE company’s STRATEGIC FORAY INTO THE INDIAN SUBCONTINENT BEGAN NOT AS A SPRINT, BUT A METICULOUSLY PLANNED MARATHON. INITIALLY FOCUSED ON ESTABLISHING A ROBUST, HIGH-VISIBILITY OPERATIONAL BASE AND SECURE EARLY MARKET VALIDATION.THE JOURNEY MARKED A CAL
Slide 9: Comprehensive Financial Services
Slide 10: Financial Overview: Key Financial Highlights - Quarterly
JMJ FINANCIAL OVERVIEW key Financia HIGHLIGHTS - QUARTERLY M AUS 7 ® TOTAL INCOME © EBITDA ® NET PROFIT 297 a 473 ell 541 391 508 520 326 332 174 175 235 4 Q425° 126-226 326 a6 Q425 126-226) 326) 26 Q425° QI26- = 226 «©3268 = Qa26 L (Rupees In Lacs ) ( Rupees In Lacs ) L ( Rupees in Lacs )
Slide 11: Profit and Loss Statement
im IMJ PROFIT AND LOSS STATEMENT MU Fintecn (€ In Lakhs) Revenue from Operations Interest Income 519.66 812.98 627.62 507.18 (Other Income 21.06 6.82 an 055 Total Income 340.62 519.80 631.22 807.73 Expenses Finance Cost 92.42 83.70 77.63 69.42 Employee Benefits Expenses 107.48 1.92 185.97 171.00 Dep
Slide 12: Financial Overview: Key Financial Highlights - Yearly
JMJ FINANCIAL OVERVIEW ey rinanciat HIGHUGHTS -YEARLY A FINTECH "a "a \ ® TOTAL INCOME e EBITDA ©@ NET PROFIT FY 23-24 | 787 FY 23-24 im 489 FY 23-24 [| 214 ( Rupees In Lacs ) (Rupees in Lacs ) (Rupees in Lacs ) 2 a ay NSS a4
Slide 13: Yearly Results of JMJ Fintech Limited
M JMJ FINTECH YEARLY RESULTS OF JMJ FINTECH LIMITED aes Particulrs rasan rans ame ras Revenue from Operations ____Interest Income 2,159.61 WL 746.42 125.51__ fees income 22.38 = = = ___ Sale of Securities - - - 255.41 Other Income 17.39. 3.01 0.34_ 1.37 Total Income 199,38 1714.72 748.25 382.29 Expe
Slide 14: Key Financial Highlights - Quarterly: Reserves, Net Worth
Fl NANC | AL OVE RVI EW KEY FINANCIAL HIGHLIGHTS — QUARTERLY M JMJ FINTECH 1,083 Q425 @ RESERVES & SURPLUS 1,604 1,440 1107 | Q126 Q226 Q3 26 ( Rupees In Lacs ) 1,877 Q426 2,361 Q4 25 3,486 ; : : e@ NET WORTH 3,652 Ql 26 Q2 26 Q3 26 (Rupees In Lacs ) 5,603 Q426
Slide 15: Balance Sheet: Liabilities and Equity
m| IMJ BALANCE SHEET PU rintech (zn Lakhs) LIABILITIES AND EQUITY LIABILITIES, ities Financial Lia! Trade Payables 25.24 22.62 14.54 Other Payables 28.94 16.86 30.90 = ubordinated Debt: 3,227.47 2048.89 1035.70 299.10 Borrowings = 100.00 = = Sub-Total 3,281.65 2188.37 1,081.14 308.31 Non-Financial L
Slide 16: Balance Sheet: Assets
Ml JMJ FINTECH BALANCE SHEET = pamicutars rez vz vz 207 ASSETS Financial Assets ivalent: 1,191.19 191.59 5.15 123.46 Bank Balance other than above = = = 35.45 Trade Receivable: - _ “ _ ______Other Receivables _ 0.35 - - Deposit: 0.75 = 21.82 = _______Loans and Advance: 7,169.35. 4,265.33 2,519.79 id
Slide 17: Key Financial Ratios
M/sM FINTECH KEY FINANCIAL RATIOS rns vez rnin rv 2028 PER SHARE RATIOS Basic EPS (Rs.) 2.04 5.51 1.72 0.67. Diluted EPS (Rs.) 1.83 5.51 1.72 0.67_ Book Value (Rs.) 14.59/7.59 18.46 12,55 10,2. _____Revenue from Operations/share 5.98 13.4 6.02 3,08_ EBITDA 3.74 88 3.94 0.28 PROFITABILITY RATIOS. ___
Slide 18: Management's Strategic Interpretation: Sustainable Growth Platform
iM JMJ MANAGEMENT'S STRATEGIC INTERPRETATION FA FINTECH SUSTAINABLE GROWTH PLATFORM THE COMPANY'S CONSISTENT IMPROVEMENT ACROSS PROFITABILITY, OPERATIONAL EFFICIENCY, AND ASSET QUALITY DEMONSTRATES THE SUC- CESSFUL EXECUTION OF ITS LONG-TERM GROWTH STRATEGY. THE STRONG FINANCIAL FOUNDATION POSITIONS
Slide 19: Outlook Beyond FY
OUTLOOK BEYOND FY 26 ACCELERATED LOAN BOOK EXPANSION THE COMPANY AIMS TO LEVERAGE ITS STRENGTHENED CAPITAL POSITION AND MARKET OPPORTUNITIES TO ACHIEVE SUSTAINABLE GROWTH IN ITS LENDING PORTFOLIO WHILE MAINTAINING ROBUST CREDIT QUALITY STANDARDS. EXPANSION OF DIGITAL LENDING ECOSYSTEM MANAGEMENT INT
Slide 20: Thank You
THANK YOU...
Slide 21: Contact and Office Locations
JMJ FINTECH KERALA | TAMILNADU | KARNATAKA PUDUCHERRY | MAHARASHTRA ABSE Listed Non-Banking Financial Company Registered Office Regional Office Shop No.3, Ist Floor, Adhi Vinayaga Complex, Ist Floor, Pooma Complex, Naduvilal Jn, M.G. Road, No.3 Bus Stand, Gopalsamy Temple Street, Thrissur, Kerala, I