J.J. Finance Corporation Reports Mixed Half-Year Results for September 2025
J.J. Finance Corporation Limited released its unaudited financial results for H1 2025, ending September 30. The company reported a decrease in profit before tax to Rs 23.28 lakh from Rs 61.10 lakh year-over-year, despite a slight increase in total income. Net profit fell by 70.88% to Rs 12.04 lakh. However, the company significantly expanded its investment portfolio, with investments in shares and securities increasing to Rs 350.70 lakh and mutual fund investments rising to Rs 219.94 lakh. The company's cash position slightly decreased to Rs 91.80 lakh, with negative cash flow from operating activities. Total assets stood at Rs 1,049.24 lakh, and earnings per share decreased to Rs 0.43.
*this image is generated using AI for illustrative purposes only.
J.J. Finance Corporation Limited , a Kolkata-based financial services company, has released its unaudited financial results for the half-year ended September 30, 2025, revealing a mixed performance with notable shifts in its investment strategy.
Financial Highlights
The company reported a significant decrease in profit before tax for the half-year period, dropping to Rs 23.28 lakh from Rs 61.10 lakh in the previous year. This decline comes despite an increase in total income from Rs 75.75 lakh to Rs 78.39 lakh year-over-year.
Key financial metrics for the half-year ended September 30, 2025, compared to the same period last year, are presented in the following table:
| Particulars (in Rs lakh) | H1 2025 | H1 2024 | Change (%) |
|---|---|---|---|
| Total Income | 41.13 | 75.75 | -45.70% |
| Profit Before Tax | 23.28 | 61.10 | -61.90% |
| Net Profit | 12.04 | 41.34 | -70.88% |
Investment Portfolio Expansion
Despite the profit decline, J.J. Finance Corporation has significantly expanded its investment portfolio:
- Investments in shares and securities increased to Rs 350.70 lakh from Rs 293.26 lakh as of March 2025.
- Mutual fund investments saw a substantial rise to Rs 219.94 lakh from Rs 34.55 lakh.
This shift suggests a strategic move towards diversifying the company's investment holdings, potentially aiming for long-term growth and stability.
Cash Flow and Liquidity
The company's cash position showed a slight decrease:
- Cash and cash equivalents stood at Rs 91.80 lakh, down from Rs 95.23 lakh at the end of March 2025.
- The company reported negative cash flow from operating activities of Rs 48.23 lakh for the half-year period.
Balance Sheet Overview
As of September 30, 2025, J.J. Finance Corporation's financial position includes:
- Total assets of Rs 1,049.24 lakh
- Equity share capital remaining stable at Rs 282.00 lakh
- Other equity increasing to Rs 753.19 lakh from Rs 725.54 lakh as of March 31, 2025
Earnings Per Share
The company's earnings per share (EPS) for the half-year period decreased to Rs 0.43, compared to Rs 1.47 in the same period last year, reflecting the lower profitability.
Management Commentary
While specific management comments were not provided in the financial release, the significant changes in the investment portfolio suggest that the company may be repositioning itself for future growth opportunities in the financial services sector.
J.J. Finance Corporation Limited continues to operate primarily in financing activities, with no changes reported in its business segments. The company's board of directors approved these unaudited financial results at their meeting held on November 6, 2025.
Investors and stakeholders will be watching closely to see how the company's expanded investment strategy impacts its performance in the coming quarters, especially given the current challenging economic environment.
Historical Stock Returns for JJ Finance Corporation
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -1.04% | +5.64% | +18.32% | -6.35% | -0.29% | +602.23% |
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