Jayabharat Credit Ltd
Ticker: JAYBHCR
Risky
48/100
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Investing Reference
Price
29.40
Market Cap
14.70
Debt/Equity
ROE %
PB
-0.2415
Promoter %
15.218
Pledge %
0.000
1Y Rev Growth %
-45.455
5Y Rev Growth %
NP Margin %
-1683.333
NP Margin 5Y Avg %
-1498.132
Trading Reference
1M Return %
134.010
6M Return %
115.701
1Y Return %
226.667
% Away 52W High
0.000
% Away 52W Low
227.394
Daily Volume
4286
Investment Verdict
Hold
Score 65/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Momentum
Score 78/100 · Position size: 20%
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
Jayabharat Credit Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend. If momentum continues, there is a favorable probability of reaching the resistance level within the next 6-12 months. However, a break below the support could lead to a significant downside.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Jayabharat Credit Ltd is a leading non-banking financial company (NBFC) in India, dedicated to providing accessible financial solutions to individuals and small businesses. With a strong focus on customer satisfaction and community development, it aims to empower its clients with the resources they need to thrive. This company matters as it plays a crucial role in enhancing financial inclusion and supporting economic growth in underserved areas.
- Established player in the Indian NBFC sector
- Focus on empowering individuals and small businesses
- Commitment to financial inclusion
- Strong customer-centric approach
- Contributes to community development
- Robust growth potential in a dynamic market
Investment Thesis
Jayabharat Credit Ltd presents a compelling investment opportunity, backed by a credible promoter group and a robust growth trajectory in digital services. With attractive valuations compared to peers, this stock is poised for significant upside potential.
- Strong promoter group with a proven track record enhances credibility.
- Rapid growth in digital services positions the company for future success.
- Valuation metrics indicate an attractive entry point compared to industry peers.
- Focus on financial inclusion aligns with government initiatives, boosting growth prospects.
- Strong fundamentals and growth strategy make it a worthy addition to any portfolio.
Opportunity vs Risk
Opportunities
- Growing demand for microfinance
- Expansion into new regions
- Strong customer loyalty
- Potential for digital services
- Government support for financial inclusion
Risks ⚠️
- Regulatory changes impacting operations
- High competition in microfinance
- Economic downturn affecting repayments
- Credit risk from borrowers
- Interest rate fluctuations
Peer Perspective
Jayabharat Credit Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to lower growth rates. A shift towards margin stability and improved asset quality could trigger a rerating.
Future Outlook
Jayabharat Credit Ltd is well-positioned for growth, provided it maintains strong execution and cost control. With a focus on expanding its customer base, the company could see promising returns in the evolving financial landscape.
AI FAQs for Retail Users
- Q: What does Jayabharat Credit Ltd do?A: Jayabharat Credit Ltd is a non-banking financial company offering loans and financial services.
- Q: Is Jayabharat Credit Ltd a good investment?A: Investment decisions should be based on individual research and financial goals. Consider consulting a financial advisor.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, company performance, and sector-specific challenges. Always assess your risk tolerance.
- Q: How can I buy shares of Jayabharat Credit Ltd?A: Shares can be purchased through a stockbroker or an online trading platform.
- Q: What should I consider before investing?A: Consider your financial situation, investment goals, and the company's fundamentals before investing.
📊 Stock Investment Checklist (100 Points)
Jayabharat Credit Ltd • Updated: 2025-09-17 02:52:38
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8BusinessHighThe company operates in the financial services sector, which has potential for growth but faces regulatory challenges.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are moderate, but cash flow generation is not stable.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are on the lower side.
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7GovernanceHighPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers are limited, with execution risks in expanding operations.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Jayabharat Credit Ltd presents a risky investment opportunity due to inconsistent growth and profitability metrics, along with weak market sentiment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 60/100
- Growth Potential: 65/100
- Profitability: 55/100
- Governance: 50/100
- Market Confidence: 60/100