Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q4 FY2024-25 Earnings Presentation
32 slides from Jmj Fintech's earnings presentation, May 22, 2025
Slide 1: Cover letter to Bombay Stock Exchange
CIN: L51102TZ21982PLC029253 ’ 7 Regd Office: Shop No 3, 1st Floor, Adhi Vinayaga Complex, J m J No 3 Bus stand, Gopalsamy Temple Street, Ganapathy, \ | & Coimbatore, Tamil Nadu, India-641006 a F tntec h Ltd ° Email: investor@jmjfintechltd.com ame 1/92 Mob:739592229 (Formerly known as Meenakshi Enter
Slide 2: JMJ Fintech Limited Investor Presentation Q4 FY 2024-25
JMJ FINTECH LIMITED INVESTOR PRESENTATION Q4 FY 2024-25 jmj Fintech Ltd. CIN: L51102TZ1982PLC029253 KERALA | TAMIL NADU | KARNATAKA PUDUCHERRY | MAHARASHTRA NBFC listed at Bombay Stock Exchange
Slide 3: Disclaimer
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, recommendation,or solicitation to purchase or subscribe to any securities of th
Slide 4: About us, Vision and Mission
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 5: Management Overview: Board of Directors
MANAGEMENT OVERVIEW BOARD OF DIRECTORS 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 Director
Slide 6: Key Managerial Personnel
KEY MANAGERIAL PERSONNEL Mr. Johny Madathumpady Lonappan Promoter & Executive Chairman Mr. Joju Madathumpady Johny Managing Director CS. Vidya Damodaran Company Secretary & Compliance Officer Mr. Justin Thomas O Chief Financial Officer
Slide 7: Our Core Values
OUR CORE VALUES Resilience’
Slide 8: JMJ Fintech Limited at a Glance
JMJ FINTECH LIMITED AT A GLANCE Qo &i as a ey iil 2; 43+ Years of Market Cap HEE Excellence Rs. 3161.60 Lakhs 42 Branches y 2 ; 24,000 + & Net Worth FY25 - cS Revenue FY25 - Customers Rs. 2362.75 Lakhs Rs. 1714.72 Lakhs Net Profit rat PAN FY25 - EPS FY25 - EBITDA FY25 - Reserves & Surplus Rs. 516.91
Slide 9: Comprehensive Financial Services
COMPREHENSIVE FINANCIAL SERVICES Personal Business Loan BP Z SERVICES PropertyIy § \@ Gold Loan Loan
Slide 10: Key Financial Highlights Q4: Total Income
FINANCIAL OVERVIEW KEY FINANCIAL HIGHLIGHTS - Q4 610.71 TOTAL INCOME “Total income recorded a remarkable 294% 306.55 growth in Q4 FY 24 and continued its upward trajectory with a#99% increase in Q4 FY 25 compared to the same period in the preceding 77.88 year, underscoring the company’s sustained gr
Slide 11: EBITDA Q4
EBITDA 391.47 "EBITDA surged by 454% in Q4 FY 24 and registered a further year-over-year increase 213.07 of 84% in Q4 FY 25 highlighting continued operational efficiency and scalable business 38.451 growth.” ° Q4 ° Q4 ) Q4 FY 23 FY 24 FY 25 (Rs. In Lakhs)
Slide 12: Net Profit Q4
NET PROFIT 66.15 46.22 “Net profit rose sharply by 183% in Q4 FY 24, followed by a # 43% growth in Q4 FY 25 over the same period in the preceding year, 16.3 highlighting consistent profitability expansion and strong bottom-line performance.” » a4 , a4 » 94 FY 23 FY 24 FY 25 (Rs. In Lakhs)
Slide 13: Profit and Loss Statement
PROFIT AND LOSS STATEMENT (Rs. In Lakhs) Particulars Q4 FY 25 Q4 FY 24 Q4 FY 23 ; Revenue from Operations Interest Income 610.71 307.50 76.52 Other Income . -0.95 1.37 Total Income 610.71 306.55 77.89 Expenses Changes in Inventories of Finished Goods - - 14.30 Finance Cost 51.17 30.59 4.79 Employee
Slide 14: Key Financial Highlights: Total Income, Financial Year
FINANCIAL OVERVIEW KEY FINANCIAL HIGHLIGHTS - FINANCIAL YEAR 1,714.72 TOTAL INCOME “Total income surged by 95% year-on-year in 746.75 FY 24 and by #129% in FY 25, reflecting strong growth momentum." 382.29 eFY23 ceFY24 eFY 25 (Rs. In Lakhs)
Slide 15: EBITDA Analysis - Year Wise
EBITDA ANALYSIS - YEAR WISE 1,126.83 “EBITDA grew consistently year-on-year, rising 488.99 by 4 130% from FY 24 to FY 25. This steady growth reflects a strong market presence, effective 106.93 execution of strategies, and significant operational expansion." eFY23 °FY24 eFY 25 (Rs. In Lakhs)
Slide 16: Net Profit
NET PROFIT 516.91 213.78 "The Company achieved a 157% increase in Net Profit during FY 24 compared to FY 23, followed 83.11 by an impressive #142% growth in FY 25 over FY 24." eFY23 °FY24 eFY 25 cnn (Rs. In Lakhs)
Slide 17: Yearly Results of JMJ Fintech Limited
YEARLY RESULTS OF JMJ FINTECH LIMITED (Rs . In Lakhs) ( Particulars FY 2025 FY 2024 FY 2023. Revenue from Operations Interest Income 1711.71 746.42 125.51 Sale of Securities - - 255.41 Other Income 3.01 0.34 1.37 Total Income 1714.72 746.75 382.29 Expenses Finance Costs 157.46 85 6.46 Purchase of St
Slide 18: Net Worth Analysis
NET WORTH ANALYSIS 2,362.75 1,556.72 1,265.79 “Net worth increased by about 23% in FY 24 and further by 4 52% in FY 25, reaching 2,362.75 Lakhs reflecting a strong and growing financial foundation." eFY23 °FY24 «FY 25 (Rs. In Lakhs)
Slide 19: Reserves & Surplus
RESERVES & SURPLUS 1,082.75 “Reserves and surplus grew significantly rising by over 1100% in FY 24, followed by a further 316.72 4 242% increase in FY 25, reaching 71,082.75 Lakhs reflecting strong earnings, effective reinvestment, 25.79 and growing financial strength.” ee eFY23 ¢FY24 ¢FY 25 (Rs. In
Slide 20: Balance Sheet: Liabilities and Equity
BALANCE SHEET (Rs . In Lakhs) ( Particulars FY 2025 FY 2024 FY 2023 | LIABILITIES AND EQUITY LIABILITIES Financial Liabilities Trade Payables 22.62 14.54 9.21 Other Payables 60.16 30.90 0.00 Subordinated Debts 2006.70 1035.70 299.10 Borrowings 100.00 Sub-Total 2,189.48 1,081.14 308.31 Non-Financial
Slide 21: Balance Sheet: Assets
BALANCE SHEET..... (Rs . In Lakhs) ( Particulars FY 2025 FY 2024 FY 2023 | ASSETS Financial Assets Cash and Cash Equivalents 191.59 5,15 123.46 Bank Balance other than above - 35.45 Other Receivables 0.35 - Deposits 38.32 21.82 - Loans and Advances 4,256.95 2,519.79 1,363.76 Other Financial Assets 1
Slide 22: Key Ratios Overview: Return on Equity
KEY RATIOS OVERVIEW 21.88% RETURN ON EQUITY "In FY 23, the Return on Equity (ROE) was fairly 13.73% low at 6.57%. It more than doubled to 13.73% in FY 24, showing better profit performance and more efficient use of company resources. 6.57% By FY 25, ROE increased again to a strong? 21.88%, meaning t
Slide 23: Return on Capital Employed
RETURN ON CAPITAL EMPLOYED 24.68% 18.17% “In FY 23, Return on Capital Employed (ROCE) was low at 2.09%. It improved sharply to 18.17% in FY 24, showing better operational efficiency and profit growth. By FY 25, ROCE further increased to#24.68%, highlighting excellent use of capital 2.09% and stronge
Slide 24: Return on Asset
RETURN ON ASSET 10.76% 9.89% 6.02% "In FY 24, the company’s ROA improved to 9.89%, meaning it made better use of its assets to earn profits. In FY 25, ROA increased further to# 10.76%, showing steady progress. This means the company is becoming more efficient at turning its assets into earnings, whi
Slide 25: Return on Networth
RETURN ON NETWORTH 21.88% 13.73% "The company’s RONW grew from 6.50% in FY 23 6.50% to 13.73% in FY 24. It jumped again to # 21.88% in FY 25 — a clear sign of stronger profitability and better use of shareholder funds." eFY23 °FY24 FY 25 cnn
Slide 26: Book Value Per Share
BOOK VALUE PER SHARE 18.46 12.55 “The company’s book value per share improved 10.2 from ~10.20 in FY 23 to 712.55 in FY 24. By FY 25, it reached 4 =18.46 — reflecting strong accumulation of profits and asset strength over the years." eFY23 °¢FY24 eFY 25 (In Rs.) = |
Slide 27: Earnings Per Share
EARNINGS PER SHARE 4.04 “In FY 23, the EPS was just 70.67. By FY 24, it more than doubled to =1.72 — a sign of strong 1.72 profit growth.In FY 25, it surged again to $4.04, showing excellent earnings performance.” 0.67 eFY23 °FY24 FY 25 (In Rs.)
Slide 28: Key Financial Ratios
KEY FINANCIAL RATIOS FY 2025 FY 2024 FY 2023.) PER SHARE RATIOS Basic EPS (Rs.) 4.04 1.72 0.67 Diluted EPS (Rs.) 4.04 1.72 0.67 Book Value (Rs.) 13.46 12.55 10.2 Revenue from Operations/share 13.4 6.02 3.08 EBITDA 8.8 3.94 0.28 PROFITABILITY RATIOS EBITDA Margin (%) 65.72% 65.42% 9.08% EBIT Margin (
Slide 29: Management's Strategic Interpretation
—aan MANAGEMENT’S STRATEGIC INTERPRETATION Profitability Surge Significant improvements in ROE, ROCE, and ROA reflect the company’s growing operational and financial efficiency. These higher returns indicate more effective utilization of shareholder equity, debt, and total assets. Earnings Growth Ea
Slide 30: Outlook Beyond FY 25
OUTLOOK BEYOND FY 25 Strengthened Capital Structure With improving ROCE and ROE, the company will maintain an optimal debt-to-equity ratio to future growth without risking financial stability. Future-Ready Strategy The company is on a strong, upward financial path, supported by consistent profitabil
Slide 31: Thank You
Slide 32: JMJ Fintech Ltd. contact details
jmj \ Fintech Ltd. CIN: L51102TZ1982PLC029253 KERALA | TAMIL NADU | KARNATAKA PUDUCHERRY | MAHARASHTRA NBFC listed at Bombay Stock Exchange 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 Temp