Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q4 FY2024-25 Earnings Presentation
31 slides from Jmj Fintech's earnings presentation, May 22, 2025
Slide 1: JMJ Fintech Limited Investor Presentation Q4 FY2024-25
J MJFI NTECHLI MITED I NVESTORPRESENTATI ON Q4FY2024-25
Slide 2: Disclaimer
DI SCLAI MER Thi spr esentat ionandthecontentsther einhavebeenprepar edbyJMJFintechLimit ed(the“Company”)solel yforinfor mation purposesanddonotconstit ute,andshouldnotbeconst ruedas,anof fer ,invi tat ion,r ecommendati on,orsol icit ati ontopurchase orsubscr i betoanysecuri ti esoft heCompany.Thisp
Slide 3: About us
Aboutus JMJFi nt echLimitedisaReserveBankofIndi aregi ster edNon- BankingFinanci alCompany( NBFC),oper ati ngasanon-depositt aki ng insti tuti onandhavi ngit ’sRegist eredOffi ceatGanapathy ,Coimbatore,Tami lNadu.Thecompanystandsfi rm onet hicalfi nanci al principl es,tr ansparency,andcustomer -cent
Slide 4: Management Overview: Board of Directors
MANAGEMENT OVERVI EW BOARD OFDI RECTORS Mr .JohnyMadathumpadyLonappan Mr .Joj uMadathumpadyJohny Promoter& Executi veChai rman Managi ngDi rector Lt.Col .Velayudhanpi ll aiHarikumar CA.Si vadasChettoor CA.Juli eGeorgeVarghese I ndependentDirector I ndependentDi rector IndependentDi rector
Slide 5: Key Managerial Personnel
KEY MANAGERI ALPERSONNEL Mr .JohnyMadathumpadyLonappan Promoter& Executi veChai rman Mr .Joj uMadathumpadyJohny Managi ngDi rector CS.Vi dyaDamodaran CompanySecretary& Compl ianceOff icer Mr .Justi nThomasO Chi efFi nanci alOff icer
Slide 6: Our Core Values
OUR CORE VALUES I ntegr ity I nnovat ion Cust omer Cent rici ty Communi ty commit ment Excel lence Empower ment Resi li ence
Slide 7: JMJ Fintech Limited at a Glance
JMJFI NTECH LI MITED AT A GLANCE 43+Yearsof MarketCap Excel lence Rs.3161. 60Lakhs 42Br anches NetWorth Revenue 24, 000+ FY25- FY25- Cust omers Rs.2362. 75Lakhs Rs.1714. 72Lakhs NetProf it FY25- EPSFY25- EBITDAFY25- Reser ves&Sur pl us Rs.516. 91Lakhs Rs.4. 04 Rs.1126. 83Lakhs FY25-Rs.1082. 75Lakhs
Slide 8: Comprehensive Financial Services
COMPREHENSI VE FI NANCI ALSERVI CES Term Loan Personal Business Loan Loan SERVI CES Property Gold Loan Loan
Slide 9: Financial Overview: Key Financial Highlights Q4 - Total Income
FI NANCI ALOVERVI EW KEY FI NANCI ALHI GHLI GHTS –Q4 610. 71 TOTALI NCOME "Totali ncomerecordedaremarkabl e294% 306. 55 growthi nQ4FY 24andconti nuedi tsupward traj ectorywi tha 99% i ncreasei nQ4FY 25 comparedtothesameperi odi ntheprecedi ng 77. 88 year ,underscori ngthecompany’ ssustai ned growthm
Slide 10: EBITDA
EBI TDA 391. 47 "EBI TDA surgedby454% i nQ4FY 24and regi steredaf urtheryear- over- yeari ncrease 213. 07 of 84% i nQ4FY 25hi ghl ighti ngconti nued operati onaleffi ciencyandscal abl ebusi ness 38. 451 growth. " Q4 Q4 Q4 FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 11: Net Profit
NET PROFI T 66. 15 46. 22 “Netprof itrosesharpl yby183% i nQ4FY 24, f oll owedbya 43% growthi nQ4FY 25over t hesameper iodi nthepr ecedi ngyear , 16. 3 hi ghl ighti ngconsi stentprof itabi li tyexpansi on andstrongbottom- li neperf ormance. ” Q4 Q4 Q4 FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 12: Profit and Loss Statement
PROFI T AND LOSS STATEMENT ( Rs.I nLakhs) Parti cul ars Q4FY 25 Q4FY 24 Q4FY 23 Revenuef rom Operati ons I nterestI ncome 610. 71 307. 50 76. 52 OtherI ncome - - 0.95 1. 37 TotalI ncome 610. 71 306. 55 77. 89 Expenses Changesi nInventori esofFi nishedGoods - - 14. 30 Fi nanceCost 51. 17 30. 59 4. 79
Slide 13: Financial Overview: Key Financial Highlights - Financial Year
FI NANCI ALOVERVI EW KEY FI NANCI ALHI GHLI GHTS –FI NANCI ALYEAR 1, 714. 72 TOTALI NCOME "Totali ncomesurgedby95% year- on- yeari n 746. 75 FY 24andby 129% i nFY 25,reflectingstrong growthmomentum. " 382. 29 FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 14: EBITDA Analysis - Year Wise
EBI TDA ANALYSI S -YEAR WI SE 1, 126. 83 "EBI TDA grew consi stentl yyear- on- year ,ri sing 488. 99 by 130% from FY 24toFY 25.Thi ssteadygrowth ref lectsastrongmarketpresence,ef fecti ve 106. 93 executi onofstrategi es,andsi gni ficantoperati onal expansi on. " FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 15: Net Profit
NET PROFI T 516. 91 213. 78 "TheCompanyachi eveda157% i ncreasei nNet Prof itduri ngFY 24comparedtoFY 23,f oll owed 83. 11 byani mpressi ve 142% growthi nFY 25over FY 24. " FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 16: Yearly Results of JMJ Fintech Limited
YEARLY RESULTS OFJMJFI NTECH LI MITED ( Rs.I nLakhs) Part icul ars FY 2025 FY 2024 FY 2023 Revenuef rom Oper ati ons I nter estI ncome 1711. 71 746. 42 125. 51 Sal eofSecur iti es - - 255. 41 Ot herI ncome 3. 01 0. 34 1. 37 Tot alIncome 1714. 72 746. 75 382. 29 Expenses Fi nanceCost s 157. 46 85 6.
Slide 17: Net Worth Analysis
NET WORTH ANALYSI S 2, 362. 75 1, 556. 72 1, 265. 79 "Networt hincreasedbyabout23% i nFY 24and furtherby 52% i n FY 25,reachi ng ₹2, 362. 75 Lakhs refl ecti ngastrongandgrowi ngfi nanci alfoundati on. " FY 23 FY 24 FY 25 ( Rs.I nLakhs)
Slide 18: Reserves & Surplus
RESERVES & SURPLUS 1, 082. 75 "Reservesandsurpl usgrew si gni ficant lyr isi ng byover1100% i nFY 24,f oll owedbyaf urt her 316. 72 242% i ncreasei nFY 25,reachi ng₹1, 082. 75Lakhs ref lecti ngstrongearni ngs,ef fecti verei nvestment, 25. 79 andgrowi ngf inanci alst rengt h." FY 23 FY 24 FY 25 ( Rs.
Slide 19: Balance Sheet
BALANCE SHEET ( Rs.I nLakhs) Part icul ars FY 2025 FY 2024 FY 2023 LI ABI LITI ES AND EQUI TY LI ABI LITI ES Fi nanci alLi abi li ties TradePayabl es 22. 62 14. 54 9. 21 OtherPayabl es 60. 16 30. 90 0. 00 Subordi natedDebts 2006. 70 1035. 70 299. 10 Borrowi ngs 100. 00 - - Sub- Tot al 2, 189. 48 1,
Slide 20: Balance Sheet (Assets)
BALANCE SHEET…. . ( Rs.I nLakhs) Part icul ars FY 2025 FY 2024 FY 2023 ASSETS Fi nanci alAsset s CashandCashEqui val ents 191. 59 5. 15 123. 46 BankBal anceotherthanabove - - 35. 45 OtherRecei vabl es 0. 35 - - Deposi ts 38. 32 21. 82 - LoansandAdvances 4, 256. 95 2, 519. 79 1, 363. 76 OtherFi nanci
Slide 21: Key Ratios Overview: Return on Equity
KEY RATI OS OVERVI EW 21. 88% RETURN ON EQUI TY "I nFY 23,t heRet urnonEqui ty( ROE)wasf airl y 13. 73% l ow at6. 57%.I tmoret handoubl edt o13. 73% i n FY 24,showi ngbet terpr ofi tper formanceand 6. 57% moreef fici entuseofcompanyresources. ByFY 25,ROE i ncreasedagai ntoastrong 21. 88%, meani ngth
Slide 22: Return on Capital Employed
RETURN ON CAPI TALEMPLOYED 24. 68% 18. 17% "I nFY 23,Ret urnonCapi talEmpl oyed( ROCE) wasl ow at2. 09%.I timpr ovedsharpl yto18. 17% i nFY 24,showi ngbet teroper ati onalef fici ency andprof itgrowth.ByFY 25,ROCE f urtheri ncreased 2. 09% t o 24. 68%,hi ghl ight ingexcel lentuseofcapi tal andst ron
Slide 23: Return on Asset
RETURN ON ASSET 10. 76% 9. 89% 6. 02% "I nFY 24,t hecompany’ sROA i mprovedt o9. 89%, meani ngi tmadebet teruseofi tsasset stoearn prof its.I nFY 25,ROA i ncreasedf urtherto 10. 76%, showi ngsteadyprogress.Thi smeansthecompany i sbecomi ngmoreef fici entatturni ngi tsassetsi nto earni ngs,whi chi sa
Slide 24: Return on Net Worth
RETURN ON NETWORTH 21. 88% 13. 73% "Thecompany’ sRONW grew f rom 6. 50% i nFY 23 6. 50% t o13. 73% i nFY 24.I tjumpedagai nto 21. 88% i nFY 25— acl earsi gnofstrongerprof itabi li tyand bet teruseofsharehol derf unds. " FY 23 FY 24 FY 25
Slide 25: Book Value Per Share
BOOK VALUE PER SHARE 18. 46 12. 55 "Thecompany’ sbookval uepershar eimpr oved 10. 2 f rom ₹10. 20i nFY 23t o₹12. 55i nFY 24.ByFY 25, i treached ₹18. 46— ref lecti ngstrongaccumul ati on ofprof itsandassetst rengt hovert heyears. " FY 23 FY 24 FY 25 ( InRs. )
Slide 26: Earnings Per Share
EARNI NGS PER SHARE 4. 04 "I nFY 23,t heEPS wasj ust₹0. 67.ByFY 24,i t mor ethandoubl edt o₹1. 72— asi gnofst rong 1. 72 pr ofi tgr owt h.I nFY 25,i tsur gedagai nto 4. 04, showi ngexcel lentear ningsper for mance. " 0. 67 FY 23 FY 24 FY 25 ( InRs. )
Slide 27: Key Financial Ratios
KEY FI NANCI ALRATI OS FY 2025 FY 2024 FY 2023 PER SHARE RATI OS Basi cEPS ( Rs. ) 4. 04 1. 72 0. 67 Di lut edEPS ( Rs. ) 4. 04 1. 72 0. 67 BookVal ue( Rs. ) 18. 46 12. 55 10. 2 Revenuef rom Oper ati ons/ shar e 13. 4 6. 02 3. 08 EBI TDA 8. 8 3. 94 0. 28 PROFI TABI LITY RATI OS EBI TDA Mar gin( %) 6
Slide 28: Management's Strategic Interpretation
MANAGEMENT’ S STRATEGI CINTERPRETATI ON Prof itabi li tySurge Si gni ficanti mprovementsi nROE,ROCE,andROA ref lectthecompany’ sgrowi ngoperati onalandf inanci al ef fici ency.Thesehi gherreturnsi ndi catemoreef fecti veuti li zati onofsharehol derequi ty,debt,andtotal assets. Earni ngsGrowth Earni
Slide 29: Outlook Beyond FY25
OUTLOOK BEYOND FY 25 StrengthenedCapi talStructure Wi thi mprovi ngROCE andROE,thecompanywi llmai ntai nanopti maldebt- to- equi tyrati otof uturegrowth wi thoutri ski ngf inanci alstabi li ty. Future- ReadyStrategy Thecompanyi sonastrong,upwardf inanci alpath,supportedbyconsi stentprof itabi li tyi
Slide 30: Thank You!
Slide 31: Registered Office and Regional Office
Regi ster edOf fice Regi onalOf fice ShopNo.3,1stFl oor ,AdhiVinayagaComplex, 1stFloor ,PoomaCompl ex,Naduvi lalJn,M. G.Road, No.3BusStand,Gopal samyTempl eStr eet , Thrissur,Ker ala,I ndi a-680001 Ganapathy,Coimbatore,TamilNadu,I ndi a–641006 GSTIN:32AACCM8666R1 ZQ GSTIN:33AACCM8666R3ZM i nvest or@