Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q3 FY2025-26 Earnings Presentation
21 slides from Jmj Fintech's earnings presentation, Feb 17, 2026
Slide 1: Submission of Investor Presentation for Quarter 3 FY 2025-26
JMJ JMJ FINTECH LIMITED CIN: L51102TZ1982PLC029253 FI NT E c H Regd Office: Shop No 3, 1st Floor, Adhi Vinayaga Complex, No 3 Bus stand, Gopalsamy Temple Street, Ganapathy, Coimbatore, Tamil Nadu, India-641006 A BSE Listed Non-Banking Financial Company Email: [email protected] | Mob:7395922
Slide 2: Investor Presentation Q3 FY 2025-26
INVESTOR PRESENTATION Q3 FY 2025-26 R
Slide 3: Disclaimer
DISCLAIMER a This presentation and the contents therein have been prepared by JMJ Fintech Limited (the “Company”) solely for information purposes and do not constitute, and should not be construed as, an offer, invitation, recommendation,or solicitation to purchase or subscribe to any securities of
Slide 4: About us
JMJ About us JMJ Fintech Limited is a Reserve Bank of India registered Non-Banking Financial Company (NBFC), operating as a non-deposit taking institution and having it's Registered Office at Ganapathy, Coimbatore, Tamil Nadu. The company stands firm on ethical financial principles, transparency, an
Slide 5: Management Overview: Board of Directors
MANAGEMENT OVERVIEW M BOARD OF DIRECTORS Mr. Johny Madathumpady Lonappan Mr. Joju Madathumpady Johny Promoter & Executive Chairman Managing Director Lt. Col. Velayudhanpillai Harikumar CA. sivadas Chettoor CA. Julie George Varghese Independent Director Independent Director independent Director
Slide 6: Key Managerial Personnel
JMJ KEY MANAGERIAL PERSONNEL M FINTECH Mr. Johny Madathumpady Lonappan Mr. Joju Madathumpady Johny Promoter & Executive Chairman Managing Director CS. Vidya Damodaran Mr. Justin Thomas O Company Secretary & Compliance Officer Chief Financial Officer
Slide 7: Our Core Values
OUR CORE VALUES g It~ INNOVATION e — INTEGRITY s / B communiTy [ CUSTOMER COMMITMENT CENTRICITY / ’ / 7 AN EMPOWERMENT /
Slide 8: JMJ Fintech Limited at a Glance
JMJ FINTECH LIMITED AT A GLANCE Ms 43+ Years of Market Cap Excellence Rs. 2832.64 Lakhs 43 Branches Net Worth Revenue 24,000 + FY26 - FY26 - Upto Q3 Customers Rs. 3652.26 Lakhs Rs.1658.75 Lakhs Reserves & Net Profit EBITDA Surplus FY26 - Upto Q3 FY26 - Upto Q3 FY26 - Upto Q3 FY26 - Upto Q3 Rs. 585.1
Slide 9: Geographical Presence
GEOGRAPHICAL PRESENCE S THE cOMPANY'S STRATEGIC FORAY INTO THE INDIAN SUBCONTINENT BEGAN NOT AS A SPRINT, BUT A METICULOUSLY PLANNED MARATHON. INITIALLY FOCUSED ON ESTABLISHING A ROBUST, HIGH-VISIBILITY OPERATIONAL BASE AND SECURE EARLY MARKET VALIDATION.THE JOURNEY \\< £ MARKED A CALCULATED GEOGRAP
Slide 10: Comprehensive Financial Services
COMPREHENSIVE FINANCIAL SERVICES M PERSONAL LOAN TERM LOAN CORPORATE LOAN BUSINESS LOAN GOLD LOAN PROPERTY LOAN
Slide 11: Key Financial Highlights — Quarterly
) FINANCIAL OVERVIEW FINTECH KEY FINANCIAL HIGHLIGHTS — QUARTERLY - a ® TOTALINCOME ® EBITDA ® NET PROFIT 297 473 611 631 391 508 326 174 359 235 188 114 102 I i I Q325 Q425 Q126 Q226 Q325 Q425 Q126 Q226 Q326 Q325 Q425 Q126 Q226 Q326 (Rupees In Lacs) p € (RupeesIn Lacs ) (Rupees|In Lacs ) )
Slide 12: Profit and Loss Statement
iv” JMJ PROFIT AND LOSS STATEMENT e FINTECH Particulars Q3f Qiva v s QIfvZ s Q4FYs Revenue from Operations Interest Income 512.98 627.52 50718 61071 Other Income 6.82 3n 055 b Total Income 519.80 631.22 507.73 61071 Expenses Finance Cost 83.70 77.63 69.42 5117 Employee Benefits Expense: m.o2 165.97
Slide 13: Key Financial Highlights — Yearly (Upto Q3)
M JMJ FINANCIAL OVERVIEW FINTECH KEY FINANCIAL HIGHLIGHTS -YEARLY (UPTO Q3) N [ (" ® TOTALINCOME ® EBITDA o NET PROFIT gy -1659 . -1035 - -: o -1104 (e -735 o -I151 Y2324 .440 FY 2324 .275 FY23-24 .]68 (Rupees In Lacs ) (Rupeesin Lacs) ( Rupees In Lacs) 4 A
Slide 14: Yearly Results of JMJ Fintech Limited
iv” JMJ YEARLY RESULTS OF JMJ FINTECH LIMITED — FINTECH Patticulars e e ma o Revenue from Operations Interest Income 1647.68 7. 746.42 125,51 __Sdle of Securitie: - - - 255.41 Other Income. 1.08 301 034 137 Total Income 1658.75 1714.72 746.75 38229 Expenses Finance Costs 230.75 157.46 85 6.46 Purcha
Slide 15: Financial Overview: Reserves & Surplus and Net Worth
JMJ FINANCIAL OVERVIEW M FINTECH KEY FINANCIAL HIGHLIGHTS — QUARTERLY N ® RESERVES & SURPLUS ® NET WORTH 3652 3486 2361 2475 2107 Q325 Q425 Q126 Q226 Q326 Q325 Q425 Q126 Q226 Q326 L (Rupees InLacs ) (RupeesInlacs)
Slide 16: Balance Sheet: Liabilities and Equity
JMJ BALANCE SHEET FINTECH (2 In Lakhs) LIABILITIES AND EQUITY LIABILITIES Financial Liabi Trade Payables 7.88 22.62 14.54 9.21 Other Payables 113.42 60.16 30.90 = Subordinated Debit: 2896.30 2006.70 1035.70 299.10 Borrowings = 100.00 = =2 Sub-Total 3017.60 2,189.48 1,081.14 308.31 Non-Financial Liab
Slide 17: Balance Sheet: Assets
{E‘J JMJ BALANCE SHEET FINTECH hames omeeww ASSETS rEs e aseoos Financial Assets Cash and Cash Equivalents 634.88 191.59 5.15 123.46 Bank Balance other than above 902.08 = - 35.45 Trade Receivables 1.88 = = d Other Receivables = 0.35 - = Deposits 38.36 38.32 21.82 = Other Financial Asset: 44.87 18.6
Slide 18: Key Financial Ratios
KEY FINANCIAL RATIOS M PER SHARE RATIOS Basic EPS (Rs.) 310 333 172 0.67 Diluted EPS (Rs.) 1.70 277 172 0.67 Book Value (Rs.) 14.41/7.06 18.46 12.55 10.2 Revenue from Operations/share 8.10 13.4 6.02 3.08 EBITDA 5.05 8.8 3.94 0.28 PROFITABILITY RATIOS EBITDA Margin (%) 62.38% 65.72% 65.42% 9.08% EBIT
Slide 19: Management's Strategic Interpretation
JMJ MANAGEMENT'S STRATEGIC FINTECH INTERPRETATION PROFITABILITY SURGE SIGNIFICANT IMPROVEMENTS IN ROE, ROCE AND ROA REFLECT THE COMPANY’S GROWING OPERATIONAL AND FINANCIAL EFFICIENCY. THESE HIGHER RETURNS INDICATE MORE EFFECTIVE UTILIZATION OF SHAREHOLDER EQUITY, DEBT AND TOTAL ASSETS. EARNINGS GROW
Slide 20: Outlook Beyond FY26
JMJ OUTLOOK BEYOND FY 26 FINTECH STRENGTHENED CAPITAL STRUCTURE WITH IMPROVING ROCE AND ROE, THE COMPANY WILL MAINTAIN AN OPTIMAL DEBT-TO-EQUITY RATIO TO FUTURE GROWTH WITHOUT RISKING FINANCIAL STABILITY. FUTURE-READY STRATEGY THE COMPANY IS ON A STRONG, UPWARD FINANCIAL PATH, SUPPORTED BY CONSISTEN
Slide 21: JMJ Fintech contact details
JMJ FINTECH KERALA | TAMIL NADU | KARNATAKA PUDUCHERRY | MAHARASHTRA A BSE Listed Non-Banking Financial Company Registered Office Regional Office Shop No.3, Ist Floor, Adhi Vinayaga Complex, 1st Floor, Pooma Complex, Naduvilal Jn, M.G. Road, No.3 Bus Stand, Gopalsamy Temple Street, Thrissur, Kerala,