JFL Life (JFLLIFE)

Score breakdown: P/E: 3/3 · ROCE: 1/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

Strengths

• Cheap on P/E of 7.53 with market cap of only ₹36 Cr
• Sales growth of 26.31% and profit growth of 172.97%; PEG of 0.08
• ROCE of 15.81% indicates decent capital efficiency
• Promoter holding of 67.47% aligns interests with minority shareholders
• Piotroski F-score of 7/9 suggests solid financial health

Concerns

• Insufficient data on book value, ROE, and debt/equity limits full analysis
• Micro-cap size of ₹36 Cr and 52-week range of ₹8.55-₹15.40 show volatility
• No dividend; returns depend entirely on growth and re-rating
• Profit growth of 172.97% may be unsustainable; latest quarter profit is just ₹2 Cr on ₹27 Cr sales

AI Analysis

At ₹9.55, JFL Life has the first thing I look for: a price that may be below what the business is worth. With a market cap of just ₹36 crore and a P/E of 7.53, the market is assigning a modest multiplier to earnings. A return on capital employed of 15.81% is respectable, and revenue growing at 26.31% with profit up 172.97% shows momentum. A PEG of 0.08 is the sort of number that catches even Graham’s eye, but I have learned to be suspicious when things appear this cheap. The latest quarter shows sales of ₹27 crore and net profit of ₹2 crore, so the operating engine is real. Promoter holding of 67.47% is a strong signal: families with skin in the game think like owners. The Piotroski F-score of 7 out of 9 also suggests the balance sheet is not deteriorating. However, I cannot fully assess the business because book value, return on equity, and debt-to-equity are missing. In a micro-cap pharma company, that lack of transparency matters. A 52-week range of ₹8.55 to ₹15.40 shows that this is a volatile stock, not a stable compounder. There is no dividend, so the investor’s return depends entirely on growth and eventual market recognition. Profit growth of 172.97% may be a base effect, and 26% sales growth in one quarter is not a decade of evidence. I would rather pay a fair price for a great business than a low price for an unknown one. If the company can keep ROCE above 15%, maintain sales growth in the twenties, and give us cleaner financial disclosures, this could be a small fast grower worth studying. Today, I would classify it as a Fast Grower but with a large margin-of-safety checklist outstanding.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer