Jmj Fintech Limited · BSE:JMJFIN
Jmj Fintech — Q4 FY2025-26 Earnings Presentation
22 slides from Jmj Fintech's earnings presentation, Aug 5, 2026
Slide 1: Submission of Investor Presentation cover letter
JMJ JMJ FINTECH LIMITED CIN: L51102TZ1982PLC029253 FI N T Ec 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 Q4 FY 2025-26
CIN: L51102TZ1982PLC029253 A BSE Listed Non-Banking Financial Company JMJ FINTECH LIN == —i (;3.‘_ = 4 INVESTOR PRESENTATION l Q4 FY 2025-26
Slide 3: Disclaimer
JMJ DISCLAIMER FINTECH 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 secu
Slide 4: About us
JMJ About us FINTECH 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, transpar
Slide 5: Management Overview: Board of Directors
MANAGEMENT OVERVIEW BOARD OF DIRECTORS Me \ 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
M/ IMJ KEY MANAGERIAL PERSONNEL FINTECH < N8y «\‘ WA NN 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 E . - R e = - . = e == = =T E e =
Slide 7: Integrity, Community Commitment, Customer Centricity, Empowerment
INTEGRITY COMMUNITY CUSTOMER COMMITMENT CENTRICITY EMPOWERMENT
Slide 8: JMJ Fintech Limited at a Glance
JMJ FINTECH LIMITED AT A GLANCE , L | JMJ Market Cap 1 43 Branches Lakhs J t ?43000 "'J Q\';g},q ustomers ( :%ggr;hs 5603.45J t ':\Z;}T;s, 2199.38J Lakhs Leikhs , Reserves & 3urplusJ ¥ FY26 - Rs.1876.54 Q @ Lakhs ; - » Lakhs »’ Lakhs
Slide 9: A Pan India Digital Appearance
JMJ A PAN INDIA DIGITAL APPEARANCE FINTECH N fi,. e/ e ‘} THE COMPANY’S STRATEGIC FORAY INTO THE INDIAN SUBCONTINENT be‘b\ BEGAN NOT AS A SPRINT, BUT A METICULOUSLY PLANNED MARATHON. N /‘Z INITIALLY FOCUSED ON ESTABLISHING A ROBUST, HIGH-VISIBILITY - ‘ N\ \ &G \" OPERATIONAL BASE AND SECURE EARLY MAR
Slide 10: Comprehensive Financial Services
COMPREHENSIVE FINANCIAL SERVICES 'DIGITAL LOAN |~ BUSINESS LOAN
Slide 11: Financial Overview: Key Financial Highlights - Quarterly
FINANCIAL OVERVIEW «kev FiNaNCIAL HIGHLIGHTS - QUARTERLY ® TOTAL INCOME ® EBITDA ® NET PROFIT 297 473 61 631 541 391 326 332 174 175 14 | I I Izas I I 66 I Q425 Q126 Q226 Q326 Q4 26 Ql 26 Q226 Q326 Q426 Q4 25 Q126 Q226 Q326 Q426 (Rupees In Lacs) (Rupees In Lacs ) (RupeesIn Lacs )
Slide 12: Profit and Loss Statement
e M/ IMJ PROFIT AND LOSS STATEMENT J7U rinteck (% In Lakhs) Revenue from Operations Interest Income 519.56 512.98 627.52 507.18 Other Income 21.06 6.82 3N 0.55 Total Income 540.62 519.80 631.22 507.73 Expenses Finance Cost 92.42 83.70 77.63 69.42 Employee Benefits Expenses 107.48 m.o2 155.97 171.00
Slide 13: Financial Overview: Key Financial Highlights - Yearly
FI NANC I AL OVE RVI EW KEY FINANCIAL HIGHLIGHTS -YEARLY M JMJ FINTECH . 4 G ® TOTALINCOME ® EBITDA ® NET PROFIT A _ i . - - _ FY 24-25 1,715 FY 24-25 1127 FY 24-25 517 FY 23-24 747 FY 23-24 489 FY 23-24 ( Rupees In Lacs ) (Rupees In Lacs ) ( Rupees In Lacs ) \ \_ N\
Slide 14: Yearly Results of JMJ Fintech Limited
M | JMJ YEARLY RESULTS OF JMJ FINTECH LIMITED M sinec (Z In Lakhs) Revenue from Operations Interest Income 2,159.61 171.71 746.42 125.51 fees income 22.38 = - = ____Sale of Securities - - - 255.41 Other Income 17.39 3.01 0.34 1.37 Total Income 2,199.38 1714.72 746.75 382.29 Expenses Finance Costs 32
Slide 15: Key Financial Highlights - Quarterly: Reserves & Net Worth
FI N ANCIAL OVE RVI EW KEY FINANCIAL HIGHLIGHTS — QUARTERLY M JMJ FINTECH ~ ® RESERVES & SURPLUS ® NET WORTH 1,877 5,603 1,604 1,440 1197 3,486 3,652 1,083 I : I Q425 Q126 Q226 Q326 Q4 26 Q4 25 Q126 Q226 Q326 Q426 (Rupees In Lacs ) (Rupees In Lacs ) )
Slide 16: Balance Sheet
JMJ BALANCE SHEET FINTECH (2 In Lakhs) LIABILITIES AND EQUITY LIABILITIES Financial Liabilities Trade Payables 25.24 22.62 14.54 9.21 ___Other Payables 28.94 16.86 30.90 B Subordinated Debts 3,227.47 2048.89 1035.70 299.10 Borrowings = 100.00 = £ Sub-Total 3,281.65 2188.37 1,081.14 308.31 Non-Financ
Slide 17: Balance Sheet
| JMJ BALANCE SHEET MU finrech (2 In Lakhs) CParticulars FY2028 Y2025 FV2024 FY2023 ASSETS Financial Assets ivalents 1,191.19 191.59 5.15 123.46 e - i = 35.45 _ _ - _ _______Trade Receivables ______Other Receivables = 0.35 = = Deposits 0.75 = 21.82 = —_loans and Advances 7.169.35 4,265.33 2,519.79 1
Slide 18: Key Financial Ratios
KEY FINANCIAL RATIOS M -Fv202s FY2025 FY2024 FY2023 PER SHARE RATIOS _____Basic EPS (Rs.) 2.04 5.51 1.72 0.67. Diluted EPS (Rs.) 1.83 5.51 1.72 0.67 _____Book Value (Rs.) 14.59/7.59 18.46 1255 102 _____Revenue from Operations/share 5.98 13.4 6.02 3.08 EBITDA 374 8.8 3.94 0.28 PROFITABILITY RATIOS EB
Slide 19: Management's Strategic Interpretation
JMJ MANAGEMENT'S STRATEGIC INTERPRETATION FINTECH SUSTAINABLE GROWTH PLATFORM THE COMPANY'S CONSISTENT IMPROVEMENT ACROSS PROFITABILITY, OPERATIONAL EFFICIENCY, AND ASSET QUALITY DEMONSTRATES THE SUC- CESSFUL EXECUTION OF ITS LONG-TERM GROWTH STRATEGY. THE STRONG FINANCIAL FOUNDATION POSITIONS JMJ F
Slide 20: Outlook Beyond FY 26
M JMJ OUTLOOK BEYOND FY 26 MU rinrec ACCELERATED LOAN BOOK EXPANSION THE COMPANY AIMS TO LEVERAGE ITS STRENGTHENED CAPITAL POSITION AND MARKET OPPORTUNITIES TO ACHIEVE SUSTAINABLE GROWTH IN ITS LENDING PORTFOLIO WHILE MAINTAINING ROBUST CREDIT QUALITY STANDARDS. EXPANSION OF DIGITAL LENDING ECOSYSTE
Slide 21: Thank You
THANK YOU...
Slide 22: JMJ Fintech contact and office details
JMJ FINTECH KERALA | TAMIL NADU | KARNATAKA PUDUCHERRY | MAHARASHTRA A BSE Listed Non-Banking Financial Company Registered Office Regional Office Shop No.3, 1st Floor, Adhi Vinayaga Complex, Ist Floor, Pooma Complex, Naduvilal Jn, M.G. Road, No.3 Bus Stand, Gopalsamy Temple Street, Thrissur, Kerala,