JMJ FintechBOM:538834 -0.10%63 ROE % is 15.10% as of Mar. 2026, which is 1656% above its 10-year median of 0.86. GuruFocus rates BOM:538834 with a GF Score™ of 63/100 and a GF Value™ of ₹16.51 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 527 Credit Services companies, JMJ Fintech ranks better than 89.37% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. JMJ Fintech's annualized net income for the quarter that ended in Mar. 2026 was ₹69.9 Mil. JMJ Fintech's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₹462.8 Mil. Therefore, JMJ Fintech's annualized ROE % for the quarter that ended in Mar. 2026 was 15.10%.
The historical rank and industry rank for JMJ Fintech's ROE % or its related term are showing as below:
BOM:538834'
s ROE % Range Over the Past 10 Years
Min: -3.23 Med: 0.86 Max: 26.38
Current: 21.61
During the past 13 years, JMJ Fintech's highest ROE % was 26.38%. The lowest was -3.23%. And the median was 0.86%.
BOM:538834's ROE % is ranked better than 89.37% of 527
companies
in the Credit Services industry
Industry Median: 6.67
vs BOM:538834: 21.61
JMJ Fintech (BOM:538834) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
JMJ Fintech ROE % Related Terms
JMJ Fintech ROE % Historical Data
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The historical data trend for JMJ Fintech's ROE % 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.
For the Credit Services subindustry, JMJ Fintech's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, JMJ Fintech's ROE % distribution charts can be found below:
* The bar in red indicates where JMJ Fintech's ROE % falls into.
* 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
JMJ Fintech (BOM:538834) has a ROE % of 15.10% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on JMJ Fintech and its competitors. This is 1656% above median its historical median of 0.86. According to the industry distribution chart, JMJ Fintech ranks #56 out of 527 companies in the Credit Services industry, placing it in the top 10.6%.
Is JMJ Fintech's ROE % too high?
JMJ Fintech's current ROE % of 15.10% is 1656% above median its 10-year median of 0.86. The Credit Services industry median ROE % is 6.67. JMJ Fintech's value of 15.10% is 126.4% above this industry median. Based on the distribution chart, JMJ Fintech ranks #56 out of 527 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, JMJ Fintech ranks #56 out of 527 companies for ROE %. This places JMJ Fintech in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 6.67. JMJ Fintech's value of 15.10% is 126.4% above this benchmark. While the company's 10-year median is 0.86 vs. the industry median of 6.67, JMJ Fintech has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JMJ Fintech's current ROE % of 15.10% is 126.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on JMJ Fintech and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JMJ Fintech's current ROE % is 15.10%, which is 1656% above median its own 10-year median of 0.86. 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 ₹16.51, compared to a current price of ₹9.68 — trading 41.4% below its estimated fair value. The current ROE % is 15.10%, which is 1656% above median its 10-year median of 0.86 and 126.4% above the Credit Services industry median of 6.67. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For JMJ Fintech (BOM:538834), the current ROE % is 15.10% 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 ₹9.68 is trading 41.4% below its estimated GF Value™ of ₹16.51.
GuruFocus considers JMJ Fintech to be Possible Value Trap.
Key valuation signals for BOM:538834:
ROE %: 15.10% (1656% above median its 10-year median of 0.86)
GF Value™: ₹16.51 vs. price of ₹9.68 (41.4% below fair value)
Industry Position: 126.4% above the Credit Services median (#56 of 527)
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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