₹203.85
Below FV▲ +60.2% against the close used
Model range ₹111.53 – ₹566.10
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Bear₹111.53Fair value₹203.85Bull₹566.10
FairClose
52-week traded range
52W low ₹113.6152W high ₹180.53
The 52-week range is measured from the stored price history, not estimated.
Trading below the consensus fair value
Jm Financial Limited closed at ₹127.24, 37.6% below the consensus fair value of ₹203.85 drawn from 10 valuation models.
Financial DNA score 77/100 — Strong. P/E of 11.3x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
DCF Valuation
₹111.53
-12.3%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹167.67
+31.8%
√(22.5 × EPS × BVPS)
EPS=12.57, BVPS=99.41
Graham Formula
₹566.10
+344.9%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=20%, FD=7%
P/E Fair Value
₹175.98
+38.3%
EPS × 14x (sector P/E)
EPS=12.57, Sector P/E=14x
Peter Lynch (PEG)
₹314.25
+147.0%
EPS × Growth% (PEG = 1 is fair)
EPS=12.57, g=25%
EV/EBITDA
₹398.53
+213.2%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=27.19B
Dividend Discount (DDM)
₹179.33
+40.9%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=3.32, r=10%, g=8%
Book Value (P/B)
₹146.62
+15.2%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=99.41, ROE=11.9%, g=6%, r=10%
Reverse DCF
₹127.24
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -2.1% | Historical: 25%
Margin of Safety
₹191.49
+50.5%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=255.32, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.