Jhaveri Credits and Capital Ltd
Ticker: JHACC
Risky
48/100
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Investing Reference
Price
196.65
Market Cap
186.54
Debt/Equity
0.0000
ROE %
2.796
PB
2.1253
Promoter %
53.254
Pledge %
0.000
1Y Rev Growth %
-11.734
5Y Rev Growth %
110.073
NP Margin %
10.377
NP Margin 5Y Avg %
3.080
Trading Reference
1M Return %
-2.315
6M Return %
-9.773
1Y Return %
-41.316
% Away 52W High
94.737
% Away 52W Low
34.784
Daily Volume
5975
Investment Verdict
Hold
Score 65/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 17/100 · 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
Jhaveri Credits and Capital Ltd is currently trading near a key support level, with recent volume indicating accumulation. If it breaks above the resistance level, it could see a potential upside. However, if it fails to hold the support, a downside risk is present.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Jhaveri Credits and Capital Ltd is a prominent financial services provider in India, catering to a diverse clientele including individuals and businesses seeking reliable credit solutions. With a strong commitment to customer satisfaction, the company offers tailored financial products that empower clients to achieve their goals. Its robust risk management practices and experienced team ensure secure and efficient service delivery, making it a trusted partner in the financial landscape.
- Established player in the Indian financial market
- Offers customized credit solutions
- Strong focus on customer satisfaction
- Robust risk management practices
- Experienced and dedicated team
- Empowers clients to achieve financial goals
Investment Thesis
Jhaveri Credits and Capital Ltd stands out due to its strong promoter credibility, which instills investor confidence. The company's focus on digital services presents a significant growth opportunity in the evolving financial landscape. Additionally, its attractive valuation compared to peers makes it a compelling investment choice for retail investors.
- Strong promoter group with a proven track record enhances investor trust.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation compared to industry peers offers a margin of safety.
- Robust financial performance supports sustainable growth prospects.
- Strategic initiatives position the company well for future expansion.
Opportunity vs Risk
Opportunities
- Growing demand for credit services
- Expansion into new markets
- Strong management team
- Technological advancements in fintech
- Potential for strategic partnerships
Risks ⚠️
- High competition in lending sector
- Regulatory changes impacting operations
- Economic downturn affecting repayments
- Dependence on interest rate fluctuations
- Credit risk from borrowers
Peer Perspective
Jhaveri Credits and Capital Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, necessitating consistent margin stability and growth acceleration for a potential rerating in the competitive lending landscape.
Future Outlook
Jhaveri Credits and Capital Ltd is well-positioned for growth, driven by strategic initiatives and market demand. Successful execution and effective cost control will be crucial to realizing its full potential in the coming quarters.
📊 Stock Investment Checklist (100 Points)
Jhaveri Credits and Capital Ltd • Updated: 2025-09-18 00:32:22
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8BusinessHighThe company operates in the financial services sector, which has potential for growth but faces competition.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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6ProfitabilityGoodROE and ROCE are below industry averages, indicating weaker profitability.
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5ValuationGoodValuation metrics such as P/E and P/B are higher compared to peers, suggesting overvaluation.
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7BalanceHighThe debt-to-equity ratio is manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns regarding pledging.
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4DriversGoodLimited growth drivers identified, with execution risks present.
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2TechnicalsLowMarket sentiment is weak with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
Jhaveri Credits and Capital Ltd shows potential but faces significant risks and challenges that may hinder growth and profitability.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100