JMFINANCILJM Financial Limited Forensic Risk Analysis

Holding Company
Risk ClassStable
Market Cap₹11,474 Cr
Primary DriverEarnings Quality
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
10 / 100
+5 QoQ
Early Deterioration
Sentinel Insight

Financial profile remains stable for now. Weakness is detected in profitability and earnings quality. No immediate concerns are visible. Risk is increasing at a faster pace.

63.6th %ile (Sector)Accel: +2 Qtrs
Updated2026-06-02
Market View
₹129.16▲8.77%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality
+13.2 pts
Stability Adjustment
-3.0 pts
Final Composite Risk10 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 10 over 12 quarters.

Expected Direction
⚠ Watch
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 4 Qtrs
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
JMFINANCIL: NIM decline is accelerating (333 bps drop vs prev 163 bps).

"NIM is under severe pressure due to rising cost of funds or falling asset yields."

Operating Leverage Stress
📊 Earnings QualityAnnualActive for 1 Years
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ3 FY2025
Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt servicing metrics have improved recently. The company is actively deleveraging."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)2.733.49✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+56.0+57.0📈 CRITICAL
Forensic Benchmark Context: Holding Company (n=12 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹129.16(+8.77%)
1M Divergence-6.4%
1 Week-2.53%
1 Month-7.13%
6 Months-10.11%
1 Year-0.64%
2 Year+73.49%
3 Year+89.77%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in earnings quality remain well-maintained against forensic benchmarks. Systematic scans of operational margins and profitability metrics confirm the absence of material structural stress. Strategic vigilance is advised as structural decay is accelerating.

JMFINANCIL • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score0%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing0%
CoinTree Momentum
Composite Z-Score-0.3576σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#1788 of 2716
Top 65.83% in momentum strength
Timeframe Sparklines
1W-2.5%
1M-7.1%
6M-10.1%
Weinstein Indicators
150 DMA₹137.62
200 DMA₹147.04
150 DMA Slope-3.3114%Declining
Relative Strength-4.62%Lagging
Relative Turnover (RTR)0.4494
ParticipationWeak

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (9).
JMFINANCILJM Financial Limited
10 Risk
Sector %ile64th
Delta+5
Active Flags2
Accel+2
Earnings Quality

Stable

AFSLAbans Financial Services Limited
13 Risk
Sector %ile82th
Delta-5
Active Flags11
Accel+0
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
3.434th %ile
VS Sector Median (8.5)
Competitive Position
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20264,2611,20158111,522
FY20254,4537745,56911,419
FY20244,832313,63516,145
FY20233,343709-2,44915,875