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Investor Relations14 Oct 2025
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JM Financial (523405) investor relations material
JM Financial Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary12 Aug, 2025
Executive summary
Achieved record operating PAT of ₹454 crore for Q1 FY26, up 166% year-over-year, with net worth surpassing ₹10,000 crore and book value at ₹106.4 per share.
Net revenue grew 22% year-over-year, driven by strong performance across all business units and leadership in capital markets and wealth management.
Board approved unaudited standalone and consolidated financial results for Q1 ended June 30, 2025, with limited review and unmodified reports.
Segment reporting revised to four new reportable segments for more meaningful business presentation; prior periods restated accordingly.
Strong client addition and expansion across business lines, with strategic initiatives including increasing shareholding in Credit Solutions and divesting a 2.1% stake in the home loan business.
Financial highlights
Consolidated revenue from operations for Q1 FY26 was ₹1,019.18 crore, with net profit after tax and share in profit of associates at ₹458.77 crore, up from ₹186.98 crore in Q1 FY25.
Net revenue and pre-provisioning operating profit both grew 22% year-over-year; PAT reached ₹454 crore, the highest to date.
EPS for Q1 FY26 at ₹4.75, up from ₹1.79 in Q1 FY25; book value per share at ₹106.4.
ROE annualized at 18.3% for Q1 FY26, compared to 8.0% in Q1 FY25; gross D/E ratio improved to 1.0x from 1.4x year-over-year.
Cash recoveries in ARC business totaled ₹1,368 crore over the last 12 months, primarily used to repay debt.
Outlook and guidance
Confident in meeting guidance of ₹250–300 crore in annual recoveries for the next three years.
Home loan book targeted to reach ₹5,000 crore in two years and ₹10,000 crore by FY30, with IPO planned for 2028–29.
Focus on scaling high-growth, high-ROE businesses and expanding wallet share of clients, with continued expansion in manufacturing products and digital readiness in wealth management.
Non-core loan book expected to run down substantially in the next 9–12 months.
SEBI order restricts new lead manager mandates in public debt issues until March 31, 2025; impact to be assessed based on outcome.
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Next JM Financial earnings date
Q2 25/2624 Oct, 2025
Next JM Financial earnings date
Q2 25/2624 Oct, 2025
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Eferix Drawings Google Play
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