EN DE
Watch J.J.FINANCE CORPORATION LTD. for free: we tell you when fair value or trend changes.
Data-driven stock valuation

J.J.FINANCE CORPORATION LTD. (JJFINCOR) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of J.J.FINANCE CORPORATION LTD. stock ₹50.80, price ₹62.00, that is 18.1% below the price, quality 48 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services IN · ISIN INE584C01011

JJ J.J.FINANCE CORPORATION LTD. logo Thin data Nov 10, 2026

J.J.FINANCE CORPORATION LTD.

JJFINCOR · BSE
Expensive, weak quality

Our calculation puts a fair price 18% below what the stock costs today.

Quality 48/100
Revenue last quarter 90% below a year ago.
Fair value ₹50.80 · Overvalued
Weak Growth (revenue 5y −7.3 %/yr in INR)
Loss-making · -89.0% net margin (TTM)
Negative free cash flow
Trails peers (0/9)
Narrow moat 12/100 · thin data
Thin data
Estimate⚠ Thinly traded⚠ Small free float
Watch J.J.FINANCE CORPORATION LTD. for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹92.95 ₹6.59 Fair Value ₹50.80 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range ₹6.59 – ₹92.95 · fair‑value band ₹38.10 – ₹63.50 · the ₹62.00 price screens above the ₹50.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

Follow J.J.FINANCE CORPORATION in your weekly email

Every Wednesday you see whether J.J.FINANCE CORPORATION is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

J.J. Finance Corporation Limited, a non-banking financial company, engages in the investment and other financing services in India. The company offers leasing and hire purchase, and finance services, as well as invests and deals in shares and securities.

Show moreShow less

It is involved in the real estate business; and generation of electricity. The company was formerly known as J. J. Leasing and Hiring Limited and changed its name to J.J. Finance Corporation Limited in September 1995. The company was incorporated in 1982 and is based in Kolkata, India.

Stock analysis

J.J.FINANCE CORPORATION LTD. (JJFINCOR) currently trades at ₹62.00, while our estimate is ₹50.80, 18% below the price, so the stock looks overvalued today.

Show more

Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: ₹38.10 (bear) to ₹63.50 (bull), the price of ₹62.00 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is weak: less than 2 % a year.

J.J.FINANCE CORPORATION LTD. reported revenue of ₹4.0M in FY2026 versus ₹4.0M in FY2022, a compound +0.0%/yr. Reported net income was −₹428K in FY2026.

Key figures

Market cap ₹175M (≈ $1.9M) Micro · P/S ratio 80.8 · EPS (TTM) ₹−0.6600 · Net margin −89.0% · Return on equity −0.4% · Return on assets (EBIT) 2.7% (5-year average) · Operating margin −348% · Revenue (TTM) ₹2.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 12 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 91% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −18%, JJFINCOR screens richer than that median.

Fair Value

Bear ₹38.10 Fair Value ₹50.80 Bull ₹63.50
Price ₹62.00 · Downside -18.1%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 7
How much profit the company makes from its sales and capital
Quality Growth 10
Are margins and returns getting better?
Cashflow 50
Do the profits arrive as real cash?
Financial strength 77
Debt, balance sheet and risk of trouble
Investment 90
Does it invest with discipline instead of growing at any price?
Low Volatility 52
How calm the share price moves, does not count
Price momentum 67
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 73
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
−48.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−7.3%
Start year 2021 (pandemic). Over 10 years: −0.3% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.5%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
61.1% (2021) → 7.8% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed

JJFINCOR screens overvalued: fair value 18% below the price. Compare with Visa Inc →

Compare J.J.FINANCE CORPORATION LTD. with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 0/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside −18.1% · Below median
Profitability
Return on assets −0.4% · Bottom 25%
Net margin (12 months) −89.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −90.0% · Bottom 25%

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.80× · Pricier than median
P/S (12 months) 83.06× · Priciest 25%
EV/EBITDA 66.0× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)9 · sector 47
FUTURE (revenue growth)0 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)0 · sector 58
DIVIDEND (yield)0 · sector 63

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs JJFINCOR
PayPal Holdings PYPL $58.78 $107.45 +83% vs JJFINCOR
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs JJFINCOR
Affirm Holdings AFRM $65.95 $74.92 +14% vs JJFINCOR
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs JJFINCOR
American Express Company AXP $323.46 $210.02 −35% vs JJFINCOR
Visa Inc V $423.00 $242.87 −43% vs JJFINCOR
Mastercard Incorporated MA $658.84 $360.13 −45% vs JJFINCOR
Capital One Financial Corporation COF $195.84 $106.81 −45% vs JJFINCOR
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs JJFINCOR

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low StocksStocks for 2027: Large Companies Below Fair Value

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

J.J.FINANCE CORPORATION LTD.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "J.J.FINANCE CORPORATION LTD. Fair Value". https://www.fairvalue-calculator.com/stock/JJFINCOR

Frequently asked questions

Is J.J.FINANCE CORPORATION LTD. (JJFINCOR) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is ₹50.80 versus a price of ₹62.00, about 18% lower (overvalued).
What is the fair value of JJFINCOR?
Our estimate for J.J.FINANCE CORPORATION LTD. is ₹50.80 (as of Nov 10, 2026), built from audited fundamentals. The current price: ₹62.00.
What is the quality score of JJFINCOR?
J.J.FINANCE CORPORATION LTD. has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Our calculated price target is the estimate of ₹50.80 (as of Nov 10, 2026). Cautious scenario ₹38.10, optimistic scenario ₹63.50. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the J.J.FINANCE CORPORATION LTD. stock forecast for 2026?
Our estimate puts fair value at ₹50.80, about 18% lower versus a price of ₹62.00 (overvalued). Cautious scenario ₹38.10, optimistic scenario ₹63.50. The calculation is refreshed regularly with new filings.
What is the revenue of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
J.J.FINANCE CORPORATION LTD. reported trailing-twelve-month revenue of about ₹2.1M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For J.J.FINANCE CORPORATION LTD. it is ₹50.80 per share (as of Nov 10, 2026), against a price of ₹62.00.
Is J.J.FINANCE CORPORATION LTD. stock overvalued or undervalued in 2026?
As of Nov 10, 2026, JJFINCOR trades above its calculated fair value: price ₹62.00, fair value ₹50.80, a gap of about −18% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of JJFINCOR?
No. The price is what the market pays today (₹62.00); the fair value is what the company's own numbers justify (₹50.80). For J.J.FINANCE CORPORATION LTD. the two are ₹11.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is J.J.FINANCE CORPORATION LTD. worth?
The market values J.J.FINANCE CORPORATION LTD. at about ₹175M (market capitalisation, as of Nov 10, 2026). Per share that is ₹62.00; our models calculate a fair value of ₹50.80 per share.
What do the bullish and bearish scenarios say about JJFINCOR?
Our models span a range for J.J.FINANCE CORPORATION LTD.: cautious scenario ₹38.10, base ₹50.80, optimistic ₹63.50 per share (as of Nov 10, 2026, price ₹62.00). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Balance-sheet figures for J.J.FINANCE CORPORATION LTD. (as of Nov 10, 2026): return on equity −0.4%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is JJFINCOR from its 52-week high?
J.J.FINANCE CORPORATION LTD. trades at ₹62.00, about 17% below its 52-week high of ₹75.00 and 91% above the low of ₹32.50 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹50.80 is for.
Which stocks are comparable to J.J.FINANCE CORPORATION LTD.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is J.J.FINANCE CORPORATION LTD. stock attractive at the current price?
The data as of Nov 10, 2026: price ₹62.00, calculated fair value ₹50.80 (−18%), Quality Score 48/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. J.J.FINANCE CORPORATION LTD. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The closing price on Nov 9, 2026 was ₹62.00. Our estimate is ₹50.80, about 18% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with J.J.FINANCE CORPORATION LTD. right now?
Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of J.J.FINANCE CORPORATION LTD.

How large is the market capitalisation of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The market capitalisation of J.J.FINANCE CORPORATION LTD. is ₹175M (≈ $1.9M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The price-to-sales ratio of J.J.FINANCE CORPORATION LTD. is 80.8 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Earnings per share at J.J.FINANCE CORPORATION LTD. are ₹−0.6600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The net margin of J.J.FINANCE CORPORATION LTD. is −89.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The return on equity (ROE) of J.J.FINANCE CORPORATION LTD. is −0.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
On an EBIT basis the return on assets of J.J.FINANCE CORPORATION LTD. is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
The operating margin of J.J.FINANCE CORPORATION LTD. is −348% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Revenue at J.J.FINANCE CORPORATION LTD. is growing −90.0% versus a year earlier (3y avg +0.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at J.J.FINANCE CORPORATION LTD. (JJFINCOR)?
Earnings per share at J.J.FINANCE CORPORATION LTD. are growing −90.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does J.J.FINANCE CORPORATION LTD. (JJFINCOR) generate?
The free cash flow of J.J.FINANCE CORPORATION LTD. is −₹4.4M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
Free · no account needed

Watch J.J.FINANCE CORPORATION LTD. in the live analysis

One click puts J.J.FINANCE CORPORATION LTD. on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.