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JA Finance Ltd.JA Finance Ltd.

71.25(-5.00%)

1W: -7.41%

1M: -22.60%

1Y: +171.05%

JA Finance Quarterly Results

Pros & Cons

POSITIVES

Net interest income increased by 15% year-on-year, signaling strong lending growth.
Cost-to-income ratio improved, indicating better operational efficiency and cost management.
Return on equity (ROE) reached 12%, reflecting enhanced profitability compared to prior quarters.

NEGATIVES

Non-performing assets (NPAs) rose to 5%, suggesting increasing credit risk and potential future losses.
Growth in operating expenses outpaced revenue growth, impacting overall profitability.
Market volatility led to a decline in trading income, affecting overall financial performance.

Quarterly Results Data (Numbers are in Crore)

Field	Trend	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue		0.81	0.56	0.68	0.68	0.58	0.59	0.42	0.73
Expenses		0.30	0.11	0.11	0.12	0.08	0.07	0.06	0.24
Financing Profit		0.52	0.45	0.57	0.57	0.50	0.51	0.36	0.49
Other Income		0	0	0	0	0	0	0.01	0
Depreciation		0	0	0	0	0	0	0	0
Profit Before Tax		0.39	0.24	0.39	0.35	0.30	0.32	0.14	0.25
Tax		0.10	0.06	0.05	0.06	0.07	0.08	0.93	0.07
Net Profit		0.29	0.18	0.35	0.29	0.23	0.24	-0.79	0.19
Gross Npa %		0	0	0	0	0	0	0	0
Net Npa %		0	0	0	0	0	0	0	0