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JM Financial (523405) investor relations material
JM Financial Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary7 Nov, 2025
Executive summary
Reported strong quarterly results with Q2 FY26 net profit after tax of Rs. 270 crore and an interim dividend of Rs. 1.5 per share, reflecting a focus on shareholder returns.
Fees and commission income reached a record Rs. 341 crore, up 20% year-over-year for two consecutive quarters, with a robust transaction pipeline.
Significant expansion in wealth management, surpassing 1,000 salespeople and growing the affordable housing AUM to Rs. 3,000 crore.
Focus on high-growth, high-ROE businesses including corporate advisory, wealth and asset management, private markets, and affordable home loans.
Unaudited standalone and consolidated financial results for Q2 and H1 FY2025-26 were approved and released, with financials reviewed by the Audit Committee and unmodified limited review reports from statutory auditors.
Financial highlights
Q2 FY26 consolidated net profit after tax and share in profit of associates was Rs. 261.89 crore, up from Rs. 144.20 crore in Q2 FY25; H1 FY26 net profit was Rs. 720.66 crore, up from Rs. 331.18 crore year-over-year.
Q2 FY26 net profit rose 16.3% year-over-year to Rs. 270 crore; H1 FY26 net profit up 79.7% to Rs. 724 crore.
Q2 FY26 net revenue declined 9.3% year-over-year to Rs. 708 crore; H1 FY26 net revenue up 5% to Rs. 1,488 crore.
Q2 FY26 PBT surged 124.2% year-over-year to Rs. 344 crore, driven by lower impairment charges.
Book value per share at Rs. 107.1 as of Sep 30, 2025; consolidated net worth increased to Rs. 10,241 crore.
Outlook and guidance
Management expects continued growth in wealth and asset management, with recurring AUM and new fund launches driving expansion.
Further scale-up planned across all business segments, leveraging strong market opportunities.
Non-core loan book expected to substantially run down in the next 9-12 months.
Asset management AUM is targeted to at least double in the next two to three years, with breakeven expected as new strategies scale.
Interim dividend of Rs. 1.50 per share declared, with a total cash outflow of Rs. 143.43 crore expected in Q3 FY26.
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Affordable Home Loans: Credit quality management
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Next JM Financial earnings date
Q3 202614 Feb, 2026
Next JM Financial earnings date
Q3 202614 Feb, 2026
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