JMJ FintechBOM:538834 +1.24%63 Median PS Value is ₹29.46 as of Jul. 07, 2026, which is 100% below its 10-year median of 0.31. 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. Among 286 Credit Services companies, JMJ Fintech ranks better than 89.51% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. JMJ Fintech's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹6.385. JMJ Fintech's 10-Year median PS Ratio is 4.6139. Therefore, the Median PS Value for today is ₹29.46.
As of today (2026-07-07), JMJ Fintech's share price is ₹9.80. JMJ Fintech's Median PS Value is ₹29.46. Therefore, JMJ Fintech's Price to Median PS Value for today is 0.33.
The historical rank and industry rank for JMJ Fintech's Median PS Value or its related term are showing as below:
BOM:538834'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.3 Med: 0.31 Max: 0.33
Current: 0.33
During the past 13 years, the highest Price to Median PS Value of JMJ Fintech was 0.33. The lowest was 0.30. And the median was 0.31.
BOM:538834's Price-to-Median-PS-Value is ranked better than 89.51% of 286
companies
in the Credit Services industry
Industry Median: 0.92
vs BOM:538834: 0.33
JMJ Fintech (BOM:538834) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
JMJ Fintech's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
9.80
/
29.46
=
0.33
* 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 Median PS Value Related Terms
JMJ Fintech Median PS Value Historical Data
* Premium members only.
The historical data trend for JMJ Fintech's Median PS Value 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.
BOM:538834 vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, JMJ Fintech's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, JMJ Fintech's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where JMJ Fintech's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.6139.
JMJ Fintech's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹6.385.
* 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 (BOM:538834) has a Median PS Value of ₹29.46 as of Jul. 07, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on JMJ Fintech and its competitors. This is 9403% above median its historical median of 0.31. Over the past decade, JMJ Fintech's Median PS Value has ranged from 0.30 to 0.33. According to the industry distribution chart, JMJ Fintech ranks #30 out of 286 companies in the Credit Services industry, placing it in the top 10.5%.
Is JMJ Fintech's Median PS Value too high?
JMJ Fintech's current Median PS Value of ₹29.46 is 9403% above median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.33. Based on the distribution chart, JMJ Fintech ranks #30 out of 286 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, JMJ Fintech ranks #30 out of 286 companies for Median PS Value. This places JMJ Fintech in the top 11% of its industry — outperforming the majority of peers. The industry median Median PS Value is 0.92. Historically, JMJ Fintech's own Median PS Value has ranged from 0.30 to 0.33 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.92, based on 286 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on JMJ Fintech and its competitors. For the Credit Services industry, the median Median PS Value is 0.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JMJ Fintech's current Median PS Value is ₹29.46, which is 9403% above median its own 10-year median of 0.31. 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 ₹9.80 — trading 40.7% below its estimated fair value. The current Median PS Value is ₹29.46, which is 9403% above median its 10-year median of 0.31. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For JMJ Fintech (BOM:538834), the current Median PS Value is ₹29.46 as of Jul. 07, 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 ₹9.80 is trading 40.7% below its estimated GF Value™ of ₹16.52.
GuruFocus considers JMJ Fintech to be Possible Value Trap.
Key valuation signals for BOM:538834:
Median PS Value: ₹29.46 (9403% above median its 10-year median of 0.31)
GF Value™: ₹16.52 vs. price of ₹9.80 (40.7% below fair value)
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 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
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