WEBSITE BSE:544118 NSE: JSFB Inc. Year: 2006 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:59
Jana Small Finance Bank Ltd. is a small finance bank founded in 2017 and headquartered in Bengaluru, India. It received a banking license from the Reserve Bank of India as part of the financial inclusion drive to provide banking access to unserved and underserved segments. Jana Small Finance Bank primarily serves rural and semi-urban areas across India with a focus on financial inclusion of the unbanked masses. As of March 2022, Jana Small Finance Bank had over 5.8 million customers and around ₹9,045 crore in deposits. The key promoters a...Read More
Jana Small Finance Bank Ltd. is a small finance bank founded in 2017 and headquartered in Bengaluru, India. It received a banking license from the Reserve Bank of India as part of the financial inclusion drive to provide banking access to unserved and underserved segments. Jana Small Finance Bank primarily serves rural and semi-urban areas across India with a focus on financial inclusion of the unbanked masses. As of March 2022, Jana Small Finance Bank had over 5.8 million customers and around ₹9,045 crore in deposits. The key promoters are former Citibank executives Anand Jain, Ashish Lakhanpal and Pramod Bhasin. Around 68% of its loan portfolio is microfinance loans. Jana Small Finance Bank leverages technology for digital banking and claims over 85% of its transactions by volume are done through mobile banking. The bank aims to further expand its customer base and geographic reach across India. ...Read Less
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Market Cap ₹4722 Cr.
Stock P/E 9.4
P/B 1.1
Current Price ₹451.5
Book Value ₹ 407.3
Face Value 10
52W High ₹552.9
Dividend Yield 0%
52W Low ₹ 330.3
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Price falls below X
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PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 979 | 1038 | 1112 | 1167 | 1166 | 1177 | 1199 | 1250 | 1305 | 1384 |
| Other Income | 164 | 140 | 179 | 189 | 176 | 177 | 234 | 266 | 247 | 245 |
| Total Income | 1143 | 1178 | 1291 | 1356 | 1342 | 1355 | 1433 | 1516 | 1552 | 1629 |
| Interest Expense | 453 | 490 | 520 | 557 | 572 | 585 | 602 | 655 | 686 | 709 |
| Operating Expenditure | 406 | 393 | 429 | 443 | 471 | 491 | 538 | 563 | 587 | 633 |
| Provisions and contingencies | 160 | 161 | 175 | 196 | 210 | 174 | 173 | 196 | 204 | 277 |
| Operating Profit | 123 | 135 | 166 | 160 | 88 | 105 | 120 | 102 | 75 | 10 |
| Profit Before Tax | 123 | 135 | 166 | 160 | 88 | 105 | 120 | 102 | 75 | 10 |
| Provision for Tax | 0 | 0 | -155 | -10 | -8 | -5 | -4 | 0 | 0 | 0 |
| Profit After Tax | 123 | 135 | 322 | 171 | 97 | 111 | 123 | 102 | 75 | 10 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 123 | 135 | 322 | 171 | 97 | 111 | 123 | 102 | 75 | 10 |
| Adjusted Earnings Per Share | 16.7 | 18.3 | 30.8 | 16.3 | 9.2 | 10.6 | 11.8 | 9.7 | 7.1 | 0.9 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 2822 | 1555 | 1251 | 1992 | 2498 | 2727 | 3075 | 4014 | 4710 | 5138 |
| Other Income | 156 | 42 | 118 | 433 | 223 | 336 | 625 | 670 | 776 | 992 |
| Total Income | 2978 | 1597 | 1368 | 2425 | 2721 | 3062 | 3700 | 4684 | 5486 | 6130 |
| Interest Expense | 1229 | 1164 | 814 | 980 | 1235 | 1337 | 1415 | 1886 | 2317 | 2652 |
| Operating Expenditure | 1189 | 1455 | 1131 | 1164 | 1047 | 1139 | 1285 | 1605 | 1943 | 2321 |
| Provisions and contingencies | 454 | 1381 | 1373 | 250 | 367 | 569 | 744 | 679 | 753 | 850 |
| Operating Profit | 106 | -2403 | -1949 | 30 | 72 | 17 | 256 | 514 | 474 | 307 |
| Profit Before Tax | 106 | -2403 | -1949 | 30 | 72 | 17 | 256 | 514 | 474 | 307 |
| Provision for Tax | -64 | 101 | 0 | 0 | 0 | 0 | 0 | -155 | -28 | -4 |
| Profit After Tax | 170 | -2504 | -1949 | 30 | 72 | 17 | 256 | 670 | 501 | 310 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 170 | -2504 | -1949 | 30 | 72 | 17 | 256 | 670 | 501 | 310 |
| Adjusted Earnings Per Share | 61.9 | -637.3 | -413.3 | 5.9 | 14.2 | 3.4 | 46.6 | 64 | 47.7 | 29.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 20% | 19% | 0% |
| Operating Profit CAGR | -8% | 203% | 74% | 0% |
| PAT CAGR | -25% | 209% | 76% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -11% | NA% | NA% | NA% |
| ROE Average | 13% | 20% | 14% | -27% |
| ROCE Average | 10% | 10% | 9% | 4% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 2397 | 1529 | 674 | 1044 | 1115 | 1201 | 1797 | 3577 | 4118 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 0 | 0 | 4199 | 9652 | 12316 | 13536 | 16334 | 22571 | 29120 |
| Borrowings | 11667 | 7662 | 4086 | 2899 | 4815 | 4510 | 6277 | 5211 | 3867 |
| Other Liabilities & Provisions | 809 | 558 | 487 | 550 | 832 | 942 | 1235 | 1350 | 1359 |
| Total Liabilities | 14873 | 9748 | 9446 | 14145 | 19079 | 20189 | 25644 | 32710 | 38464 |
| Cash and balance with RBI | 16 | 198 | 1081 | 474 | 2125 | 1530 | 1011 | 1026 | 2816 |
| Bank Balance | 2275 | 919 | 88 | 506 | 134 | 7 | 1076 | 1027 | 1643 |
| Investments | 348 | 1997 | 1468 | 2650 | 4698 | 5065 | 5221 | 6738 | 5945 |
| Advances | 11614 | 6028 | 6217 | 9957 | 11600 | 13007 | 17760 | 23111 | 27155 |
| Fixed Assets | 192 | 360 | 332 | 259 | 211 | 170 | 123 | 139 | 150 |
| Other Assets | 390 | 221 | 258 | 298 | 309 | 408 | 448 | 667 | 751 |
| Total Assets | 14873 | 9748 | 9446 | 14145 | 19079 | 20189 | 25644 | 32710 | 38464 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 2018 | 2292 | 1117 | 1169 | 980 | 2246 | 1535 | 2066 | 2027 |
| Cash Flow from Operating Activities | -2562 | 1457 | 2771 | 949 | 615 | 859 | -1137 | 708 | 4073 |
| Cash Flow from Investing Activities | -179 | -256 | -231 | -285 | -1266 | -1330 | -434 | -780 | -321 |
| Cash Flow from Financing Activities | 3015 | -2375 | -2489 | -852 | 1917 | -240 | 2104 | 33 | -1331 |
| Net Cash Inflow / Outflow | 273 | -1174 | 51 | -188 | 1266 | -711 | 532 | -39 | 2421 |
| Closing Cash & Cash Equivalent | 2292 | 1117 | 1169 | 980 | 2246 | 1535 | 2067 | 2027 | 4448 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 61.94 | -637.26 | -413.29 | 5.94 | 14.24 | 3.4 | 46.56 | 64.02 | 47.73 |
| CEPS(Rs) | 84.47 | -615.89 | -392.21 | 24.18 | 30.54 | 19.12 | 59.05 | 69.93 | 53.49 |
| DPS(Rs) | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 872.79 | 387.81 | 108.33 | 172.97 | 187.43 | 201.23 | 274.12 | 341 | 389.47 |
| Yield on Advances | 24.3 | 25.79 | 20.11 | 20 | 21.53 | 20.96 | 17.31 | 17.37 | 17.34 |
| Yield on Investments | 7.35 | 5.75 | 7.55 | 6.38 | 4.1 | 5.14 | 6.29 | 5.32 | 6.73 |
| Cost of Liabilities | 10.54 | 15.19 | 9.82 | 7.81 | 7.21 | 7.41 | 6.26 | 6.79 | 7.02 |
| NIM (Net Interest Margin) | 11.17 | 4.28 | 4.93 | 7.44 | 6.81 | 7.09 | 6.62 | 6.67 | 6.37 |
| Interest Spread | 13.76 | 10.6 | 10.29 | 12.19 | 14.33 | 13.56 | 11.06 | 10.58 | 10.32 |
| ROA(%) | 1.14 | -20.34 | -20.31 | 0.26 | 0.44 | 0.09 | 1.12 | 2.29 | 1.41 |
| ROE(%) | 7.1 | -127.73 | -191.59 | 4.34 | 7.91 | 1.76 | 20.14 | 26.39 | 13.1 |
| ROCE(%) | 9.49 | -10.66 | -18.37 | 8.49 | 8.84 | 7.28 | 9.7 | 11.18 | 9.74 |
| PER(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.41 | 8.52 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.2 | 1.04 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 4.14 | 4.95 | 3.43 | 1.56 | 2.01 | 1.73 | 2.15 | 2.37 | 1.73 |
| EV/Core EBITDA(x) | 20.9 | -7.53 | -7.43 | 11.05 | 11.43 | 8.03 | 6.6 | 7.97 | 6.64 |
| Interest Earned Growth(%) | 0 | -44.9 | -19.57 | 59.25 | 25.42 | 9.16 | 12.78 | 30.53 | 17.34 |
| Net Profit Growth | 0 | -1571.95 | 22.16 | 101.55 | 139.83 | -75.82 | 1365.12 | 161.57 | -25.11 |
| Advances Growth | 0 | -48.09 | 3.13 | 60.15 | 16.5 | 12.13 | 36.54 | 30.13 | 17.5 |
| EPS Growth(%) | 0 | -1128.76 | 35.15 | 101.44 | 139.79 | -76.14 | 1270.09 | 37.5 | -25.44 |
| Loans/Deposits(x) | 0 | 0 | 97.33 | 30.03 | 39.1 | 33.32 | 38.43 | 23.09 | 13.28 |
| Cash/Deposits(x) | 0 | 439.42 | 0.26 | 0.05 | 0.17 | 0.11 | 0.06 | 0.05 | 0.1 |
| Current Ratio(x) | 0 | 4438.84 | 0.35 | 0.27 | 0.38 | 0.37 | 0.32 | 0.3 | 0.2 |
| Quick Ratio(x) | 0 | 0 | 97.33 | 30.03 | 39.1 | 33.32 | 38.43 | 23.09 | 13.28 |
| CASA % | 0 | 0 | 8.13 | 7.4 | 16.29 | 22.52 | 20.21 | 19.7 | 17.98 |
| # | Aug 2018 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 22.54 | 22.54 | 22.38 | 22.35 | 22.28 | 21.88 | 21.87 | 21.86 | 21.85 |
| FII | 0 | 1.15 | 1.02 | 1.09 | 0.51 | 0.89 | 0.28 | 1.21 | 4.11 | 4.31 |
| DII | 44.31 | 17.69 | 17.73 | 17.99 | 18.46 | 15.88 | 16.03 | 14.81 | 14.89 | 16.27 |
| Public | 55.69 | 58.62 | 58.7 | 58.54 | 58.68 | 60.94 | 61.81 | 62.12 | 59.14 | 57.57 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Aug 2018 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 2.36 | 2.36 | 2.34 | 2.34 | 2.34 | 2.3 | 2.3 | 2.3 | 2.3 |
| FII | 0 | 0.12 | 0.11 | 0.11 | 0.05 | 0.09 | 0.03 | 0.13 | 0.43 | 0.45 |
| DII | 1.74 | 1.85 | 1.85 | 1.88 | 1.93 | 1.67 | 1.69 | 1.56 | 1.57 | 1.71 |
| Public | 2.19 | 6.13 | 6.14 | 6.12 | 6.15 | 6.4 | 6.5 | 6.54 | 6.23 | 6.06 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 3.93 | 10.46 | 10.46 | 10.46 | 10.47 | 10.51 | 10.52 | 10.52 | 10.53 | 10.53 |
* The pros and cons are machine generated.
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