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JM Financial
JM Financial (523405) investor relations material
JM Financial Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary6 Feb, 2026
Executive summary
Consolidated PAT for nine months exceeded INR 1,000 crore, with Q3 PAT at INR 313 crore, up nearly 50% YoY; operating PAT for Q3 at INR 244 crore, up 17% YoY.
Achieved strong growth in high RoE businesses, with leadership in corporate advisory, capital markets, and wealth management.
Expanded client base and increased recurring revenue streams, especially in wealth and asset management.
Affordable home loans segment saw significant AUM growth and improved asset quality.
Unaudited standalone and consolidated financial results for Q3 and nine months ended December 31, 2025, were approved and reviewed without qualification by auditors.
Financial highlights
Q3 consolidated PAT after minority interest: INR 313 crore (+50% YoY); nine months PAT: INR 1,037 crore (+69% YoY).
Q3 consolidated net profit after tax and share in associates was ₹318.46 crore, up from ₹207.39 crore in Q3 FY24; nine-month net profit was ₹1,039.12 crore, up from ₹538.57 crore year-over-year.
Fee and commission income rose 32% YoY to INR 306 crore, reflecting robust dealmaking and wealth management activity.
Book value per share: INR 109; consolidated net worth: INR 10,418 crore.
Q3 income includes INR 113 crore from income tax refund and INR 21 crore statutory labor code impact.
Outlook and guidance
Expect 20% YoY growth in private credit loan book over next three years, with syndication volumes rising 30-40%.
Wealth and Asset Management to focus on productivity after major RM hiring; AUM per RM expected to grow 25%+ annually.
Affordable Housing AUM growth targeted at 23-25% YoY, with continued geographic focus on Gujarat and Maharashtra.
Focus remains on scaling high-growth, high RoE businesses and expanding product offerings.
Continued investment in talent, digital infrastructure, and client acquisition to drive future growth.
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Next JM Financial earnings date
Q4 202630 May, 2026
JM Financial
Next JM Financial earnings date
Q4 202630 May, 2026
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