JM Financial Ltd (NSE:JMFINANCIL)

Q4 2025 JM Financial Ltd Earnings Call Transcript

May 13, 2025 / 10:00 AM GMT

Release Date Price: ₹110.13 (+4.09%)

Transcript

Key Points

Positve

JM Financial Ltd (BOM:523405) increased its shareholding in JM Financial Credit Solutions from 47% to 97%, consolidating its asset reconstruction business.
The company reported a strong pipeline in its corporate advisory and capital markets business, maintaining a number one position in QIP deals by volume.
Wealth and asset management saw a significant increase, with AUM in wealth management growing by 11% year-over-year and mutual fund AUM doubling.
The home loans business in the affordable segment expanded its branch network to 128 branches, with AUM increasing by over 26% year-over-year.
Profit after tax for Q4 2025 stood at INR 210 crore, with a pro forma increase to INR 238 crore, reflecting a 13% quarter-on-quarter growth.

Negative

Interest income was lower due to a planned reduction in the loan book across real estate, financial institutions, and MSME sectors.
The company has faced volatility in its margin financing book, impacting stability and growth.
The ARC business has not yet turned profitable despite significant collections, with some legacy assets still unresolved.
The transition to an asset-light model has led to a significant reduction in the loan book, impacting short-term interest income.
The company has a high level of provisions, with INR 1,000 crore in provisions expected to be recovered over the next three years.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

JMSH.NS - JM Financial Ltd
Q4 2025 JM Financial Ltd Earnings Call
May 13, 2025 / 10:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to earnings conference call of GM Financial Limited. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing 0 on your touchtone phone. Kindly note that any forward-looking statements made on this call. Based on the management's current expectations, however, the actual results may vary significantly and therefore, the accuracy and completeness of these expectations cannot be guaranteed. Please note that this conference is being recorded. I now hand the conference over to Mr. Vishal Campani.

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