JM Financial (NSE:JMFINANCIL) Net Interest Margin (Bank Only) %: N/A% (As of Mar. 2026)


NSE:JMFINANCIL JM Financial Ltd NSE:JMFINANCIL
67 GF Score
Price ₹124.94
GF Value ₹140.56
Valuation Modestly Undervalued
! 1 Warning Sign
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What is JM Financial Net Interest Margin (Bank Only) %?

JM Financial NSE:JMFINANCIL -4.74% 67 Net Interest Margin (Bank Only) % is N/A% as of Mar. 2026. GuruFocus rates NSE:JMFINANCIL with a GF Score™ of 67/100 and a GF Value™ of ₹140.56 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. JM Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was ₹5,879 Mil. JM Financial's average earning assets for the quarter that ended in Mar. 2026 was ₹0 Mil. Therefore, JM Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was N/A%.


JM Financial  (NSE:JMFINANCIL) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


JM Financial Net Interest Margin (Bank Only) % Related Terms


JM Financial Net Interest Margin (Bank Only) % Historical Data

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The historical data trend for JM Financial's Net Interest Margin (Bank Only) % 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.

JM Financial Net Interest Margin (Bank Only) % Chart

JM Financial Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Interest Margin (Bank Only) %
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JM Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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NSE:JMFINANCIL vs MS, GS, SCHW: Net Interest Margin (Bank Only) % Comparison

For the Capital Markets subindustry, JM Financial's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.


JM Financial Net Interest Margin (Bank Only) % vs Capital Markets Industry

For the Capital Markets industry and Financial Services sector, JM Financial's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where JM Financial's Net Interest Margin (Bank Only) % falls into.


NSE:JMFINANCIL
67GF Score
JM Financial Ltd NSE:JMFINANCIL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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JM Financial Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

JM Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(A: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Mar. 2025 ) + Earning Assets (A: Mar. 2026 ))/ count )
=6529.7/( (0 + 0)/ 1 )
=6529.7/0
=N/A %

where

Earning Assets(A: Mar. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(A: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

JM Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2025 ) + Earning Assets (Q: Mar. 2026 ))/ count )
=5879.2/( (0 + 0)/ 1 )
=5879.2/0
=N/A %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2026) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of N/A% mean?
JM Financial (NSE:JMFINANCIL) has a Net Interest Margin (Bank Only) % of N/A% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on JM Financial and its competitors.
Is JM Financial's Net Interest Margin (Bank Only) % too high?
JM Financial's current Net Interest Margin (Bank Only) % is N/A%. Overall, JM Financial has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does JM Financial's Net Interest Margin (Bank Only) % compare to MS and GS?
JM Financial's Net Interest Margin (Bank Only) % of N/A% can be compared against companies in the Capital Markets industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Capital Markets company?
A good Net Interest Margin (Bank Only) % depends on the Capital Markets industry context. However, Net Interest Margin (Bank Only) % 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 Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on JM Financial and its competitors. JM Financial's current Net Interest Margin (Bank Only) % is N/A%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JM Financial stock overvalued right now?
Based on GuruFocus' analysis, JM Financial (NSE:JMFINANCIL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹140.56, compared to a current price of ₹124.94 — trading 11.1% below its estimated fair value. The current Net Interest Margin (Bank Only) % is N/A%. JM Financial's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For JM Financial (NSE:JMFINANCIL), the current Net Interest Margin (Bank Only) % is N/A% 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 JM Financial (NSE:JMFINANCIL) Overvalued in 2026?

Based on GuruFocus' analysis, JM Financial stock appears to be undervalued. The current stock price of ₹124.94 is trading 11.1% below its estimated GF Value™ of ₹140.56. GuruFocus considers JM Financial to be Modestly Undervalued.

Key valuation signals for NSE:JMFINANCIL:

  • Net Interest Margin (Bank Only) %: N/A%
  • GF Value™: ₹140.56 vs. price of ₹124.94 (11.1% below fair value)
  • GF Score™: 67/100 with 1 warning sign

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


JM Financial Business Description

Other Exchanges 523405:India
Address Appasaheb Marathe Marg, 7th Floor, Cnergy, Prabhadevi, Mumbai, MH, IND, 400 025
JM Financial Ltd is an India-based financial services group, specialising in providing a range of businesses to corporations, financial institutions, high-net-worth individuals, and retail investors. Its operating segment includes Investment Banking; Asset Management, Wealth Management and Securities Business (Platform AWS); Mortgage Lending; Alternative & Distressed Credit; and Others. The Investment Banking segment, which is the key revenue-generating segment, includes management of capital markets transactions, advising on mergers & acquisitions, and private equity syndication. This segment also includes institutional equities business and research, private wealth management, PMS, private equity funds, fixed income, syndication, and finance.
67GF Score

Get the complete analysis for NSE:JMFINANCIL

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹124.94
Price
₹140.56
GF Value