Top Tweets for #JMfinance
JM Financial Ltd Concall Summary for Q3FY26
#JMfinancial #jmfinance #HousingFinance #Q3result
1) Financial Performance
• Revenue (9M FY26): ₹670 Cr segment (↑ 30%) · ₹581 Cr net (↑ 10%) · ₹328 Cr Affordable Home Loans (↑ 24%)
• Operating PAT (9M): ₹308 Cr segment (↑ 39%) · ₹93 Cr net (flat) · ₹49 Cr Affordable Home Loans (↑ 32%)
• Consolidated PAT: ₹1,037 Cr (9M, ↑ 69%) · ₹313 Cr (Q3, ↑ 50%)
• Adjusted Op PAT: ₹968 Cr (9M, ↑ 58%) · ₹244 Cr (Q3, ↑ 17%)
• Op PAT after MI (Private Markets): ₹466 Cr (9M, ~4x) · ₹111 Cr (Q3, ↑ 82%)
• Net Worth (ex-MI): ₹10,418 Cr · Liquid Investments: ₹2,900 Cr · BVPS: ₹109
• Q3 included ₹113 Cr tax refund interest & ₹21 Cr labor code impact.
• Strong operating leverage; profits grew faster than revenue.
• Private Markets profitability surged sharply YoY.
2) Fee & Transaction Income
• Fee & Commission Income: ₹306 Cr (↑ 32% YoY)
• ~50% revenue now recurring.
• Syndication: ₹3,300 Cr transactions closed in Q3.
• Three consecutive quarters of >20% YoY fee growth.
• Strategy prioritizes fee income over balance sheet expansion.
• Diversified mandates: real estate, distressed credit, PE, corporate lending.
3) Loan Book & Asset Quality
• Focus Loan Book: ₹4,200 Cr (stable).
• Private Credit Income (9M): ₹600 Cr interest · ₹75 Cr fees.
• NPA Recovery (9M): ₹250–260 Cr realized; ~₹270–280 Cr expected by FY-end.
• ARC cash release: ₹260–270 Cr.
• Real Estate Book reduced from ₹10,000 Cr → ₹1,000 Cr (90% cut).
• Portfolio reshaped toward Bespoke Lending & Real Estate.
• 35% PCR supports aggressive recoveries.
• Targeting 15–20% loan growth & 30–40% higher syndication volumes.
4) Segment Highlights
CACM (Corporate Advisory & Capital Markets)
• Net Revenue: ₹210 Cr (↑ 30% YoY)
• Q3 Op PAT: ₹89 Cr (↑ 12% YoY)
• Mid-teens ROE targeted (2026–29).
Affordable Home Loans
• AUM: ₹3,200 Cr (↑ 23% YoY).
• Fully capitalized for next 5 years.
• Target: 25% annual AUM growth; ROE to reach early teens.
Asset Management
• Loss: ₹9 Cr (Q3) · ₹25 Cr (9M).
• Investment phase; real estate & pre-IPO funds pipeline.
5) Distribution & Scale
• 73 branches (+11 YoY) · 922 franchisees (+27 YoY).
• Wealth Headcount: 1,057 (↑ 41% YoY).
• Asset Management Headcount: 211 (↑ 15% YoY).
• RM base doubled; productivity ramp over 12–18 months.
• Hiring to moderate over next 18–24 months.
6) Pipeline & AUM Growth
• IPO Pipeline: ₹1.2 lakh Cr (54 IPOs filed).
• 12 deals executed in Q3 (~₹36,000 Cr).
• Recurring AUM: ₹33,100 Cr (↑ 33% YoY), now 29% of total AUM.
• Non-Liquid MF AUM: ₹12,000 Cr (↑ 15%).
• Execution pause due to market volatility, not pipeline weakness.
• Strong M&A & private credit pipeline.
7) Risks & Volatility
• Capital markets inherently lumpy.
• Wealth & broking revenues volatile with volumes.
• Near-term IPO slowdown due to FPI selling & macro uncertainty.
8) Guidance & Outlook
• Revenue Growth: 25%+ YoY (next 3 years) · 13–15% (5–7 years).
• Profit Growth: High-teens CAGR (5–7 years).
• AUM Growth Target: >25% annually (2–3 years).
• ₹1,500 Cr capital recovery expected.
Key Takeaway
• Strong 9M earnings momentum led by Private Markets & fee income.
• Real estate exposure sharply de-risked.
• Recurring AUM & wealth platform scaling for structural ROE uplift.
• Positioned to benefit from India’s long-term capital market expansion cycle.
How RSI truly gives you an edge.
Never follow anyone’s trades blindly..always rely on your own analysis👇👇
#JMFINANCE
#nifty #nifty50 #sensex #stockmarket #banknifty #StocksToWatch #giftnifty #StocksInFocus #stocks #watchlist #investment #JMFinancial #jmfin
swing not working that well #intradaytrading has give 3% PF impact today punched 3 successful trades today
#nsdlipo
#jmfinance
#KIOCL
#JMFINANCE : all time high 190+ from 73
when stock has tendency of fake breakout then use low risk entries near support
#stockmarket
#JMFINANCE #JMFINANCIAL
What a bazooka move in JM Financial -
up 16% on huge volumes and new 52 week high
Below is the long-term monthly chart -
Previous ATH is on Oct-2017 at 191.7
Looks set for multi-year breakout to new ATH.
Disc: invested
#jmfinancil #JMFINANCE making #high 183.39+ ⬆️✨💥💥
Almost 17% up from #Tweet ✅
Currently trading at #52weekhigh.
✅ Keep #Watching 👀👀
#StockMarket #Nifty #charts #swingtrade #StockMarketUpdate #ShortTermTrading #StockInFocus #technical #StockPrice #updates #Q1FY26results
#JMFINANCIL #Jmfinancial reported very good #Q1FY26results
QoQ ⏫ and YoY⏫
Currently #Trading at 157/158
✅ Keep #Watching and #study carefully
🔊 #DYODD ✅
#StockMarket #Nifty #chart #StockInFocus #result #SwingTrading #Q1FY26 #KNOWLEDGE #StockMarketUpdate
#JMFINANCE #jmfinancil
Very strong move in JM Financial post strong Q1 results.
Lets see if it can take out the last high..
Disc: invested
JM Financial posted very strong Q1FY2026 results.
Looks like the company is on the path of a strong turnaround.
The chart also says so - looks like a multi-year breakout in the offing.
Disc: Not invested (yet), tracking
#jmfinancil #JMFINANCE made high 179+ ⬆️✨💥💥
over 14% up from #Tweet ✅
#StockMarket #Nifty #charts #swingtrade #StockMarketUpdate #ShortTermTrading #StockInFocus #technical #StockPrice #updates #Q1FY26
#JMFINANCIL #Jmfinancial reported very good #Q1FY26results
QoQ ⏫ and YoY⏫
Currently #Trading at 157/158
✅ Keep #Watching and #study carefully
🔊 #DYODD ✅
#StockMarket #Nifty #chart #StockInFocus #result #SwingTrading #Q1FY26 #KNOWLEDGE #StockMarketUpdate
#jmfinancil #JMFINANCE made high 167+ ⬆️✨💥💥
From 157-------167+ ✅👌
#StockMarket #Nifty #charts #swingtrade #StockMarketUpdate #ShortTermTrading #StockInFocus #technical #StockPrice #updates
#JMFINANCIL #Jmfinancial reported very good #Q1FY26results
QoQ ⏫ and YoY⏫
Currently #Trading at 157/158
✅ Keep #Watching and #study carefully
🔊 #DYODD ✅
#StockMarket #Nifty #chart #StockInFocus #result #SwingTrading #Q1FY26 #KNOWLEDGE #StockMarketUpdate
[Volume Shocker for the day.]🪻🌻
🟢Paradeep 4.63Cr.
🟢JM Financial 1.93Cr.
🟢 LT&F 1.63Cr.
🟢 PAYTM 2.63Cr.
🟢 DataMatics 45.22Lk
#paradeepphosphate #JMFINANCE #ltfinance #Paytm #DATAMATICS
#JMFINANCE : 168+ from 153
its 10%
#Jmfinance high 165
லோன் கட்டாததால் வங்கி ஊழியர்கள் செய்த கொடுஞ்செயல்
#Pudukkottai #LoanIssue #House #BankEmployees #MuthootFinCorp #JMFINANCE #Paint #Debt #spectrumtamil
Intraday stocks-25/9/24
#tatasteel buy 160 target 167 SL 157
#Tatapower buy 468 target 480 SL 460
#JMfinance buy 143 target 155 SL 135
#VEDL buy 470 target 485 SL 460
Note: all my views are study purposes only
Daily Closing Stocks Are :-
#FINOPB
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#JMFINANCE
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#StocksToBuy #stock #StockToWatch
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