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JM Financial Limited Q1 FY26 earnings call summary

NSE: JMFINANCIL · BSE: 523405

Earnings call of 12 Aug 2025, summarised by AI from the filing.

JM Financial reports highest ever operating PAT of ₹454 cr in Q1 FY26, with net worth crossing ₹10,000 cr.

Key takeaways

  1. Operating PAT Highest ever operating PAT at ₹454 cr; net worth crossed ₹10,000 cr.
  2. Guidance ₹250-300 cr recovery every year for next 3 years.
  3. Change Net reversal of impairment ₹204 cr from real estate and ARC recoveries.
  4. Risk Wealth management margins lower due to upfront expansion costs.

Original filing on BSE

JM Financial Limited Q1 FY27 results

As filed: Revenue ₹1,201 cr (+8% year on year), EBITDA ₹700 cr (−18% year on year), PAT ₹369 cr (−20% year on year), EBITDA margin 58.3% (−1,000 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹949 cr (−5% year on year), EBITDA ₹491 cr (−15% year on year), PAT ₹162 cr (−31% year on year), EBITDA margin 51.8% (−580 bps). Score 38 of 100, Below trend. Revenue and profit growth were in line with the company's own trend; EBITDA growth was below it. EBITDA margin fell 580 bps year on year. Revenue fell 5% from last quarter. Share price after the results: −3.5% in 27 days (Nifty 500: +2.0%).
  • Q3 FY26: Revenue ₹999 cr (−10% year on year), EBITDA ₹563 cr (−7% year on year), PAT ₹318 cr (+54% year on year), EBITDA margin 56.4% (+149 bps). Score 34 of 100, Below trend. Revenue and EBITDA growth were below the company's own trend; profit growth was above it. EBITDA margin rose 149 bps year on year. Other income 32% of PBT. Revenue fell 3% from last quarter. Share price after the results: −2.5% in 29 days (Nifty 500: −4.0%).
  • Q2 FY26: Revenue ₹1,031 cr (−13% year on year), EBITDA ₹604 cr (+23% year on year), PAT ₹262 cr (+82% year on year), EBITDA margin 58.6% (+1,000 bps). Score 46 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was in line with it; profit growth was above it. EBITDA margin rose 1000 bps year on year. Consolidated profit +82% but standalone -18%. Revenue fell 7% from last quarter. Share price after the results: −12.5% in 29 days (Nifty 500: +1.4%).
  • Q1 FY26: Revenue ₹1,111 cr (+3% year on year), EBITDA ₹851 cr (+39% year on year), PAT ₹459 cr (+145% year on year), EBITDA margin 76.6% (+1,000 bps). Score 62 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were above it. EBITDA margin rose 1000 bps year on year. Share price after the results: +13.1% in 30 days (Nifty 500: +2.8%).
  • Q4 FY25: Revenue ₹1,004 cr (−20% year on year), EBITDA ₹578 cr (−15% year on year), PAT ₹235 cr, EBITDA margin 57.6% (+356 bps). Score 32 of 100, Below trend. Revenue growth was well below the company's own trend; EBITDA growth was below it. EBITDA margin rose 356 bps year on year. Revenue fell 9% from last quarter. Share price after the results: +40.2% in 30 days (Nifty 500: +3.7%).
  • Q3 FY25: Revenue ₹1,106 cr (−11% year on year), EBITDA ₹607 cr (−25% year on year), PAT ₹207 cr (−36% year on year), EBITDA margin 54.9% (−1,000 bps). Score 9 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Revenue fell 7% from last quarter.
  • Q2 FY25: Revenue ₹1,191 cr, EBITDA ₹491 cr, PAT ₹144 cr, EBITDA margin 41.2%. Not scored. No consolidated results for the same quarter last year to compare yet (consolidated revenue ₹1,191 cr). Scored once a year-earlier consolidated quarter exists.

Past price moves after results do not indicate future moves. Not a recommendation.

JM Financial Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.