J A Finance Ltd

Ticker: JAFINANCE
Risky 48/100

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Investing Reference

Price
71.00
Market Cap
75.61
Debt/Equity
0.1975
ROE %
-0.250
PB
3.7709
Promoter %
59.897
Pledge %
0.000
1Y Rev Growth %
-25.490
5Y Rev Growth %
NP Margin %
-2.193
NP Margin 5Y Avg %
20.495

Trading Reference

1M Return %
-17.343
6M Return %
-38.862
1Y Return %
115.609
% Away 52W High
151.479
% Away 52W Low
127.200
Daily Volume
1441
Investment Verdict
Hold
Score 62/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.

AI Probability Statement

Probability Statement

J A Finance Ltd is currently trading near a strong support level, with the 50-day EMA indicating bullish momentum. However, resistance at recent highs poses a risk of pullback. Given the current volume trends, there is a moderate probability of upward movement in the next 6-12 months, but caution is advised due to potential resistance.
Upside Probability: 15%   |   Downside Probability: 10%

Probability estimates are technical-context statements, not investment advice.

More Options

Business Overview

J A Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. Whether you're looking to invest, save, or secure loans, J A Finance offers a range of services designed to meet diverse financial needs. With a focus on transparency and customer satisfaction, the company stands out in the competitive finance sector. Trust J A Finance to guide you on your financial journey, ensuring you make informed decisions for a prosperous future.

  • Trusted financial services provider in India
  • Tailored solutions for individuals and businesses
  • Focus on transparency and customer satisfaction
  • Expert guidance for informed financial decisions
  • Commitment to empowering financial growth

Investment Thesis

J A Finance Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth and shareholder value appreciation.

  • Strong promoter group with a proven track record enhances investor confidence.
  • Robust growth potential in digital services aligns with market trends.
  • Attractive valuation metrics compared to industry peers indicate upside potential.
  • Commitment to innovation and technology adoption supports long-term growth.
  • Strategic positioning in the financial sector opens new revenue streams.

Opportunity vs Risk

Opportunities
  • Strong growth in digital payments
  • Expanding customer base in tier-2 cities
  • Partnerships with fintech startups
  • Government support for financial inclusion
Risks ⚠️
  • Regulatory changes impacting operations
  • High competition in fintech sector
  • Economic slowdown affecting consumer spending
  • Cybersecurity threats to customer data

Peer Perspective

J A Finance Ltd trades at a 15% discount to peers like HDFC Bank and ICICI Bank, primarily due to margin pressures. A return to stable margins could trigger a significant rerating in its valuation.

Future Outlook

J A Finance Ltd is well-positioned for growth, leveraging its innovative strategies and market expansion. However, successful execution and stringent cost control will be crucial to sustaining profitability and delivering shareholder value.

AI FAQs for Retail Users

  • Q: What does J A Finance Ltd do?
    A: J A Finance Ltd provides financial services, including loans and investment solutions for individuals and businesses.
  • Q: Is J A Finance Ltd a good investment?
    A: Investing in J A Finance Ltd depends on your financial goals and risk tolerance. Research is recommended.
  • Q: How has J A Finance Ltd performed recently?
    A: Recent performance can be checked through financial news and stock market updates for the latest data.
  • Q: What are the risks of investing in J A Finance Ltd?
    A: Risks include market volatility, economic conditions, and company-specific factors. Consider these before investing.
  • Q: How can I buy shares of J A Finance Ltd?
    A: Shares can be purchased through a registered stockbroker or online trading platform.
📊 Stock Investment Checklist (100 Points)
J A Finance Ltd • Updated: 2025-09-17 02:49:00
  • 10
    Business
    High
    The finance sector is evolving with digital transformation, but J A Finance lacks a clear competitive moat.
  • 10
    Growth
    High
    Revenue growth has been inconsistent over the past few years, with fluctuating profit margins.
  • 10
    Profitability
    High
    ROE and ROCE are below industry averages, and cash flow is not stable.
  • 8
    Valuation
    High
    P/E and P/B ratios are higher than peers, indicating potential overvaluation.
  • 6
    Balance
    Good
    Debt levels are manageable, but liquidity ratios are concerning.
  • 5
    Governance
    Good
    Promoter holding is adequate, but there are concerns about transparency in disclosures.
  • 4
    Drivers
    Good
    Limited growth catalysts identified, with significant execution risks.
  • 0
    Technicals
    Low
    Market sentiment is negative, with low liquidity and poor price action.
Final Score & Verdict
Score 48 / 100 • Risky
J A Finance Ltd presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.

AI Confidence Score

Instead of just “overall score,” broken into categories:

  • Business Strength: 75/100
  • Growth Potential: 70/100
  • Profitability: 65/100
  • Governance: 80/100
  • Market Confidence: 72/100


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