JIOFIN · Consumer Financial Services · INE758E01017
Analyst mean 0.00 · 0 analysts · 0% bullishWhat the numbers mean when read together — computed from the filings, not a score.
Operating cash flow is just -747% of trailing profit — the classic pattern where reported earnings are not backed by cash. This is the single most important thing to understand on this page.
Operating cash flow ₹-15,439 cr against trailing net profit ₹2,066 cr. When profit rises but cash does not follow, the questions are: are receivables ballooning, is revenue being recognised ahead of collection, or are costs being capitalised?
Both revenue and profit grew over the last year (119.3% and 27.1%) — growth is translating to the bottom line.
Trailing revenue ₹4,905 cr, trailing profit ₹2,066 cr. Profit growing at least as fast as revenue indicates operating leverage or pricing power.
Net margin has narrowed from 53.1% to 41.4% year-on-year — profitability per rupee of sales is shrinking.
Quarter net margin 41.4% vs 53.1% four quarters earlier. Sustained compression signals pricing pressure, cost inflation, or mix deterioration.
Free cash flow is negative — the business consumes more than it generates once capex is paid. Fine if it is deliberate growth investment; a problem if it is structural.
Latest free cash flow ₹-15,544 cr, negative in 3 of 4 years. Check whether the burn funds expansion (dark stores, plants, ports) or merely sustains operations.
Markers show corporate actions (splits, bonus, dividends). Prices are split-adjusted so the series is continuous.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 694 | 438 | 493 | 612 | 981 | 901 | 1,019 | 2,004 |
| Expenses | 140 | 125 | 155 | 156 | 293 | 346 | 414 | 607 |
| Other Income | 226 | 70 | 71 | 67 | 238 | 36 | 40 | 0 |
| Depreciation | 6 | 6 | 6 | 6 | 8 | 8 | 8 | 9 |
| Profit before tax | 773 | 377 | 396 | 419 | 783 | 371 | 339 | 970 |
| Net Profit | 689 | 295 | 316 | 325 | 695 | 269 | 272 | 830 |
| EPS | 1.08 | 0.46 | 0.50 | 0.51 | 1.09 | 0.42 | 0.43 | 1.26 |
| Item | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Equity Capital | 2 | 6,353 | 6,353 | 6,353 |
| Reserves | 114,118 | 132,794 | 117,143 | 127,500 |
| Borrowings | 743 | 0 | 3,970 | 21,768 |
| Fixed Assets | 158 | 172 | 180 | 418 |
| CWIP | 38 | 3 | 14 | 13 |
| Investments | 108,141 | 133,292 | 118,910 | 133,089 |
| Total Assets | 114,930 | 144,863 | 133,500 | 163,497 |