J.J. Finance (BOM:523062) ROE % Adjusted to Book Value: -4.45% (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:523062 J.J. Finance Corp Ltd BOM:523062
44 GF Score
Price ₹60.48
GF Value ₹17.13
Valuation Significantly Overvalued
! 6 Warning Signs
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What is J.J. Finance ROE % Adjusted to Book Value?

J.J. Finance BOM:523062 +5.00% 44 ROE % Adjusted to Book Value is -4.45% as of Mar. 2026. GuruFocus rates BOM:523062 with a GF Score™ of 44/100 and a GF Value™ of ₹17.13 (Significantly Overvalued). The stock has 6 warning signs investors should review.

J.J. Finance's ROE % for the quarter that ended in Mar. 2026 was -7.87%. J.J. Finance's PB Ratio for the quarter that ended in Mar. 2026 was 1.77. J.J. Finance's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -4.45%.


J.J. Finance ROE % Adjusted to Book Value Related Terms


J.J. Finance ROE % Adjusted to Book Value Historical Data

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The historical data trend for J.J. Finance's ROE % Adjusted to Book 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.

J.J. Finance ROE % Adjusted to Book Value Chart

J.J. Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.94 2.42 5.82 2.46 -0.24

J.J. Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 -15.65 0.00 2.71 0.00 -4.45

BOM:523062 vs V, MA, AXP: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, J.J. Finance's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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.


J.J. Finance ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, J.J. Finance's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where J.J. Finance's ROE % Adjusted to Book Value falls into.


BOM:523062
44GF Score
J.J. Finance Corp Ltd BOM:523062
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

J.J. Finance ROE % Adjusted to Book Value Calculation

J.J. Finance's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-0.43% / 1.77
=-0.24%

J.J. Finance's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-7.87% / 1.77
=-4.45%

* 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.

What does a ROE % Adjusted to Book Value of -4.45% mean?
J.J. Finance (BOM:523062) has a ROE % Adjusted to Book Value of -4.45% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on J.J. Finance and its competitors.
Is J.J. Finance's ROE % Adjusted to Book Value too high?
J.J. Finance's current ROE % Adjusted to Book Value is -4.45%. Overall, J.J. Finance has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J.J. Finance's ROE % Adjusted to Book Value compare to V and MA?
J.J. Finance's ROE % Adjusted to Book Value of -4.45% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on J.J. Finance and its competitors. J.J. Finance's current ROE % Adjusted to Book Value is -4.45%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J.J. Finance stock overvalued right now?
Based on GuruFocus' analysis, J.J. Finance (BOM:523062) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹17.13, compared to a current price of ₹60.48 — trading 253.1% above its estimated fair value. The current ROE % Adjusted to Book Value is -4.45%. J.J. Finance's overall GF Score™ is 44/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For J.J. Finance (BOM:523062), the current ROE % Adjusted to Book Value is -4.45% 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 J.J. Finance (BOM:523062) Overvalued in 2026?

Based on GuruFocus' analysis, J.J. Finance stock appears to be overvalued. The current stock price of ₹60.48 is trading 253.1% above its estimated GF Value™ of ₹17.13. GuruFocus considers J.J. Finance to be Significantly Overvalued.

Key valuation signals for BOM:523062:

  • ROE % Adjusted to Book Value: -4.45%
  • GF Value™: ₹17.13 vs. price of ₹60.48 (253.1% above fair value)
  • GF Score™: 44/100 with 6 warning signs

No single metric tells the full story. See the BOM:523062 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


J.J. Finance Business Description

Address Action Area - IID, Unit No. 14, 8th Floor, Premises No. IID/14, New Town, Rajarhat, Kolkata, WB, IND, 700156
J.J. Finance Corp Ltd is a Non-Banking Finance Company. Its main businesses are Electricity Generation, Leasing and Hire purchase, Finance, Real Estate, Investments, and dealing in Shares and Securities. The Company is engaged in investment activities and other financial services, which is the only reportable segment. The company generates revenue from Interest, Dividends, and Profit on the Sale of investments.
44GF Score

Get the complete analysis for BOM:523062

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹60.48
Price
₹17.13
GF Value