JM Financial Limited
Valuation (94/100) does the heavy lifting; momentum (10/100) is the drag.
Buy zoneOur blended model reads JM Financial Limited as a Hold at 51/100. At ₹122.16 it trades below our blended DCF and relative-multiples fair value of ₹191.71, about 57% upside to that estimate — we read it as undervalued by 57%. On 9.7x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 35% below its 52-week high of ₹188.25 and 9% above the low of ₹111.89. Financial health scores 58/100, with a Piotroski F-score of 5/9. The average analyst target of ₹160 implies about 31% upside across 1 analysts. It clears 5 of 12 investability checks, with durability 61, valuation 88 and momentum 10 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹153.37.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-35.11% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold51Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 11.1%
- Fail: Low debt (D/E < 0.5): 1.02x
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -2%
- Fail: Earnings growing: -21%
- Pass: Net margin ≥ 10%: 34.5%
- Pass: Current ratio > 1.5: 2.29
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter24.6%
- Institutions48.8%
- Public & other26.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (34.5%).
Opportunities
- Trading in our value buy zone versus sector peers.
- Well off its 52-week high — possible mean-reversion.
- Trades ~57% below our estimated fair value.
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
Threats
- Earnings contracting year on year.
About JM Financial Limited
JM Financial Limited offers integrated financial services across investment banking, mortgage lending, alternative credit, and asset management to corporations, institutions, government entities, high-net-worth individuals, and retail customers in India and internationally. Operating through four main segments—Investment Bank, Mortgage Lending, Alternative & Distressed Credit, and Platform AWS (Asset Management, Wealth Management & Securities)—the company serves diverse client bases across these business lines.
JM Financial Limited — frequently asked questions
Is JM Financial Limited a buy, hold or sell?
StocksWizard currently rates JM Financial Limited (JMFINANCIL) a Hold, based on a blended score of 51/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is JM Financial Limited's fair value?
Our blended DCF and relative-valuation model estimates JM Financial Limited's fair value at about ₹191.71, versus a current price of ₹122.16 — roughly 57% upside. On that basis the stock looks undervalued by 57%.
Is JM Financial Limited financially healthy?
JM Financial Limited scores 58/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has JM Financial Limited's share price performed?
JM Financial Limited is down 13% over three months, and last traded at ₹122.16. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.