JMJ Fintech (BOM:538834) E10: ₹0.88 (As of Mar. 2026)


BOM:538834 JMJ Fintech Ltd BOM:538834
63 GF Score
Price ₹9.69
GF Value ₹16.52
Valuation Possible Value Trap
! 7 Warning Signs
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What is JMJ Fintech E10?

JMJ Fintech BOM:538834 -1.12% 63 E10 is ₹0.88 as of Mar. 2026. GuruFocus rates BOM:538834 with a GF Score™ of 63/100 and a GF Value™ of ₹16.52 (Possible Value Trap). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

JMJ Fintech's adjusted earnings per share data for the three months ended in Mar. 2026 was ₹0.450. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹0.88 for the trailing ten years ended in Mar. 2026.

During the past 12 months, JMJ Fintech's average E10 Growth Rate was 63.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-08), JMJ Fintech's current stock price is ₹9.69. JMJ Fintech's E10 for the quarter that ended in Mar. 2026 was ₹0.88. JMJ Fintech's Shiller PE Ratio of today is 11.01.

During the past 13 years, the highest Shiller PE Ratio of JMJ Fintech was 291.79. The lowest was 10.64. And the median was 40.67.


JMJ Fintech  (BOM:538834) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

JMJ Fintech's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=9.69/0.88
=11.01

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of JMJ Fintech was 291.79. The lowest was 10.64. And the median was 40.67.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


JMJ Fintech E10 Related Terms


JMJ Fintech E10 Historical Data

* Premium members only.

The historical data trend for JMJ Fintech's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

JMJ Fintech E10 Chart

JMJ Fintech Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.09 0.54 0.88

JMJ Fintech Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.54 0.58 0.74 0.78 0.88

BOM:538834 vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, JMJ Fintech's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


JMJ Fintech Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, JMJ Fintech's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where JMJ Fintech's Shiller PE Ratio falls into.


BOM:538834
63GF Score
JMJ Fintech Ltd BOM:538834
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

JMJ Fintech E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, JMJ Fintech's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.45/164.2724*164.2724
=0.450

Current CPI (Mar. 2026) = 164.2724.

JMJ Fintech Quarterly Data

per share eps CPI Adj_EPS
201606 0.054 105.961 0.084
201609 0.020 105.961 0.031
201612 -0.889 105.196 -1.388
201703 0.882 105.196 1.377
201706 0.109 107.109 0.167
201709 -0.031 109.021 -0.047
201712 0.097 109.404 0.146
201803 -0.165 109.786 -0.247
201806 0.048 111.317 0.071
201809 0.020 115.142 0.029
201812 0.038 115.142 0.054
201903 -0.194 118.202 -0.270
201906 0.043 120.880 0.058
201909 -0.267 123.175 -0.356
201912 0.047 126.235 0.061
202003 0.306 124.705 0.403
202006 0.070 127.000 0.091
202009 -0.034 130.118 -0.043
202012 0.041 130.889 0.051
202103 -0.187 131.771 -0.233
202106 -0.021 134.084 -0.026
202109 -0.120 135.847 -0.145
202112 0.176 138.161 0.209
202203 -0.015 138.822 -0.018
202206 -0.041 142.347 -0.047
202209 0.264 144.661 0.300
202212 0.057 145.763 0.064
202303 0.041 146.865 0.046
202306 0.078 150.280 0.085
202309 0.192 151.492 0.208
202312 0.430 152.924 0.462
202403 0.192 153.035 0.206
202406 0.762 155.789 0.803
202409 0.920 157.882 0.957
202412 0.790 158.323 0.820
202503 1.990 157.552 2.075
202506 0.461 159.755 0.474
202509 1.410 162.289 1.427
202512 0.450 163.281 0.453
202603 0.450 164.272 0.450

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹0.88 mean?
JMJ Fintech (BOM:538834) has a E10 of ₹0.88 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on JMJ Fintech and its competitors.
Is JMJ Fintech's E10 too high?
JMJ Fintech's current E10 is ₹0.88. Overall, JMJ Fintech has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does JMJ Fintech's E10 compare to V and MA?
JMJ Fintech's E10 of ₹0.88 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on JMJ Fintech and its competitors. JMJ Fintech's current E10 is ₹0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JMJ Fintech stock overvalued right now?
Based on GuruFocus' analysis, JMJ Fintech (BOM:538834) is currently considered Possible Value Trap. The stock's GF Value™ is ₹16.52, compared to a current price of ₹9.69 — trading 41.3% below its estimated fair value. The current E10 is ₹0.88. JMJ Fintech's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For JMJ Fintech (BOM:538834), the current E10 is ₹0.88 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is JMJ Fintech (BOM:538834) Overvalued in 2026?

Based on GuruFocus' analysis, JMJ Fintech stock appears to be undervalued. The current stock price of ₹9.69 is trading 41.3% below its estimated GF Value™ of ₹16.52. GuruFocus considers JMJ Fintech to be Possible Value Trap.

Key valuation signals for BOM:538834:

  • E10: ₹0.88
  • GF Value™: ₹16.52 vs. price of ₹9.69 (41.3% below fair value)
  • GF Score™: 63/100 with 7 warning signs

No single metric tells the full story. See the BOM:538834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


JMJ Fintech Business Description

Address Gopalsamy Temple Street, Shop No 3, 1st Floor, Adhi Vinayaka Complex, No 3 Bus stand, Coimbatore, TN, IND, 641006
JMJ Fintech Ltd is an Indian non-banking finance company. The company is engaged in non-banking financial activities and investment/trading in shares and securities. It also lends money, provides loans to both corporate clients and high net worth individuals. The business also finances the small and medium-sized enterprise (SME) sector for growth. It acts as a consultant to the organizations for raising funds, including capital either through an initial public offering or private equity/venture funds. It serves as a management consultant relating to the merger, amalgamation, acquisitions and valuation.
63GF Score

Get the complete analysis for BOM:538834

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹9.69
Price
₹16.52
GF Value