Jhaveri Credits & Capital Ltd.
BSE: JHACC · Other Financial Services · sector
Key numbers
Last 12 months to Jun 2026, Consolidated. "Sector median" = middle value of 96 companies in Other Financial Services (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Cash ₹23 cr vs borrowings ₹4 cr (FY26): cash is higher (net cash).
- Operating profit covered interest 7.3x in the last 12 months.
- Net loss in 3 of the last 6 quarters.
- Other income was 237% of net profit in the last 12 months.
- No dividend in the last 5 financial years.
- Price ₹168.40 on 2026-10-26: -30.7% from the 52-week high, +15.3% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Quarterly results
| ₹ cr | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 1 | 10 | 22 | 17 | 48 | 17 |
| EBITDA | -2 | 2 | 1 | -1 | 1 | -3 |
| OPM % | -215.6% | 18.4% | 6.4% | -8.8% | 2.6% | -15.5% |
| Other income | 0 | 0 | 0 | 2 | 2 | 2 |
| Net profit | -1 | 1 | 1 | -0 | 3 | -1 |
| EPS (₹) | 1.11 | 1.33 | 1.30 | 0.12 | 2.51 | 1.33 |
| Revenue YoY | +4,879.2% | +73.6% | ||||
| Profit YoY | – | -224.4% |
Consolidated figures where filed. Latest quarter Jun 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 9 | 12 | 26 | 23 | 111 | 104 |
| EBITDA | 0 | 1 | 3 | 3 | -4 | -1 |
| Net profit | 0 | 1 | 2 | 2 | 2 | 3 |
| EPS (₹) | 0.42 | 1.22 | 2.42 | 2.68 | 1.66 | 5.26 |
| Revenue growth | +28.3% | +125.5% | -11.0% | +377.1% | – | |
| Profit growth | +192.6% | +103.8% | +49.7% | -19.1% | – | |
| Dividend / share (₹) | – | – | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +112.3% | – | – |
| Net profit | +35.2% | – | – |
| EPS | +10.8% | – | – |
| Share price | – | -20.7% (2y) | -11.6% |
Balance sheet
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Shareholders' equity | 88 | 120 |
| Borrowings | 0 | 4 |
| Cash & equivalents | 38 | 23 |
| Total assets | 89 | 139 |
| Fixed assets | 3 | 3 |
| Capital work in progress | 0 | 0 |
| Investments | 2 | 11 |
| Receivables | 4 | 18 |
| Inventory | 10 | 12 |
| Payables | 0 | 3 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Cash from operations | -7 | -4 |
| Cash from investing | -5 | -30 |
| Cash from financing | -27 | 14 |
| Capex | 2 | 0 |
| Free cash flow | -9 | -4 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY25 | FY26 |
|---|---|---|
| ROE % | 2.7% | 1.6% |
| ROCE % | 3.2% | 1.6% |
| Debtor days | 60 | 59 |
| Inventory days | 182 | 41 |
| Payable days | 1 | 10 |
| Cash conversion cycle (days) | 241 | 90 |
| Working capital days | 826 | 300 |
Peers in Other Financial Services
| Company | Market cap | P/E | P/B | ROE | ROCE | OPM | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| ARCFIN | ₹37,47,491 cr | 43.0x | 37,875.8x | 0.8% | – | – | +66.4% | – |
| CRISIL | ₹34,926 cr | 39.5x | 10.7x | 29.1% | – | 29.8% | – | – |
| RRP | ₹10,960 cr | 1,406.3x | 1,211.9x | -60.1% | -47.5% | 105.2% | – | – |
| ARCIL | ₹3,972 cr | – | – | – | – | – | – | – |
| KISSHT | ₹3,472 cr | 6.5x | 2.6x | 21.0% | – | 29.9% | – | – |
| GYFTR | ₹1,229 cr | – | – | – | – | – | – | – |
| PRIMESECU | ₹929 cr | 35.5x | 4.4x | 13.2% | – | – | +23.5% | 0.54% |
| CENTRUM | ₹860 cr | – | 2.8x | -73.4% | – | – | +42.1% | – |
| REGENCY | ₹565 cr | 23.9x | 3.0x | 14.1% | – | – | +277.6% | – |
| JHACC | ₹187 cr | 32.0x | 1.6x | 2.4% | 2.5% | -1.4% | +112.3% | – |
Documents
Links go to the original files on the exchange website.
About the company
| Sector | Financial Services |
| Industry | Other Financial Services |
| Sub-industry | Other Financial Services |
| Symbol | JHACC |
| BSE code | 531550 |
| ISIN | INE865D01012 |
| Face value | ₹10.0 |
| Incorporated | – |
| Website | – |
| Plants (India / abroad) | – |
Data built 2026-10-24 from BSE company filings (inline XBRL: Integrated Filing - Finance) + BSE results summary for earlier years; price = BSE close 2026-10-26.