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JM Group Limited Financials

JMG
Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE September

This page shows JM Group Limited (JMG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI JMG FY2025

JM Group’s business runs on working-capital timing, with light fixed assets but tight short-term funding.

Reported profit converted to cash reasonably well: net income of $2.4M became operating cash flow of $2.1M, which supports the quality of earnings. But receivables of $9.4M alongside a current ratio of 0.8x show why those profits still do not create much balance-sheet slack; cash is tied up before it can cover near-term obligations.

The balance sheet is more strained by short-term funding than by long-term borrowing: long-term debt is only $750K, while current liabilities are $17.2M. That mix helps explain why the company can post a profit yet still carry negative equity of -$3.0M; obligations are concentrated near the cash-conversion cycle rather than spread over many years.

This looks like an asset-light operating model: revenue of $34.6M is generated from just $14.9M of assets. Depreciation of only $3K against operating income of $3.0M suggests the main operating challenge is managing receivables and overhead, not maintaining a large physical asset base.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 9 / 100
Financial Profile 9/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of JM Group Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability
42

JM Group Limited has an operating margin of 8.8%, meaning the company retains $9 of operating profit per $100 of revenue. This results in a moderate score of 42/100, indicating healthy but not exceptional operating efficiency.

Liquidity
11

JM Group Limited's current ratio of 0.83 is below the typical benchmark, resulting in a score of 11/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Altman Z-Score Safe
6.71

JM Group Limited scores 6.71, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($130.5M) relative to total liabilities ($17.9M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Earnings Quality Mixed
0.87x

For every $1 of reported earnings, JM Group Limited generates $0.87 in operating cash flow ($2.1M OCF vs $2.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage Safe
9.4x

JM Group Limited earns $9.4 in operating income for every $1 of interest expense ($3.0M vs $322K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Earnings & Revenue

Revenue
$34.6M

JM Group Limited generated $34.6M in revenue in fiscal year 2025.

EBITDA
$3.0M

JM Group Limited's EBITDA was $3.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Net Income
$2.4M

JM Group Limited reported $2.4M in net income in fiscal year 2025.

EPS (Diluted)
$0.15

JM Group Limited earned $0.15 per diluted share (EPS) in fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow
N/A
Cash & Debt
$2.3M

JM Group Limited held $2.3M in cash against $750K in long-term debt as of fiscal year 2025.

Dividends Per Share
N/A
Shares Outstanding
16M

JM Group Limited had 16M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin
N/A
Operating Margin
8.8%

JM Group Limited's operating margin was 8.8% in fiscal year 2025, reflecting core business profitability.

Net Margin
6.9%

JM Group Limited's net profit margin was 6.9% in fiscal year 2025, showing the share of revenue converted to profit.

Return on Equity
N/A

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
N/A

JMG Income Statement

Metric Q4'25
Revenue N/A
Cost of Revenue N/A
Gross Profit N/A
R&D Expenses N/A
SG&A Expenses N/A
Operating Income N/A
Interest Expense N/A
Income Tax N/A
Net Income N/A
EPS (Diluted) N/A

JMG Balance Sheet

Metric Q4'25
Total Assets $14.9M
Current Assets $14.3M
Cash & Equivalents $2.3M
Inventory N/A
Accounts Receivable $9.4M
Goodwill N/A
Total Liabilities $17.9M
Current Liabilities $17.2M
Long-Term Debt $750K
Total Equity -$3.0M
Retained Earnings -$4.5M

JMG Cash Flow Statement

Metric Q4'25
Operating Cash Flow N/A
Capital Expenditures N/A
Free Cash Flow N/A
Investing Cash Flow N/A
Financing Cash Flow N/A
Dividends Paid N/A
Share Buybacks N/A

JMG Financial Ratios

Metric Q4'25
Gross Margin N/A
Operating Margin N/A
Net Margin N/A
Return on Equity N/A
Return on Assets N/A
Current Ratio 0.83
Debt-to-Equity -0.25
FCF Margin N/A

Note: Shareholder equity is negative (-$3.0M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.

Note: The current ratio is below 1.0 (0.83), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

Frequently Asked Questions

JM Group Limited (JMG) reported $34.6M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Yes, JM Group Limited (JMG) reported a net income of $2.4M in fiscal year 2025, with a net profit margin of 6.9%.

JM Group Limited (JMG) reported diluted earnings per share of $0.15 for fiscal year 2025. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

JM Group Limited (JMG) had EBITDA of $3.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

As of fiscal year 2025, JM Group Limited (JMG) had $2.3M in cash and equivalents against $750K in long-term debt.

JM Group Limited (JMG) had an operating margin of 8.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

JM Group Limited (JMG) had a net profit margin of 6.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

JM Group Limited (JMG) generated $2.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

JM Group Limited (JMG) had $14.9M in total assets as of fiscal year 2025, including both current and long-term assets.

JM Group Limited (JMG) had 16M shares outstanding as of fiscal year 2025.

JM Group Limited (JMG) had a current ratio of 0.83 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

JM Group Limited (JMG) had a debt-to-equity ratio of -0.25 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

JM Group Limited (JMG) had a return on assets of 16.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

JM Group Limited (JMG) has negative shareholder equity of -$3.0M as of fiscal year 2025, which causes the debt-to-equity ratio to appear negative or not meaningful. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.

JM Group Limited (JMG) has an Altman Z-Score of 6.71, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

JM Group Limited (JMG) has an earnings quality ratio of 0.87x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

JM Group Limited (JMG) has an interest coverage ratio of 9.4x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

JM Group Limited (JMG) scores 9 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.

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