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Consolidated Standalone

JIO Financial Serv.

₹314.9 4.1 | 1.3%

Market Cap ₹200060 Cr.

Stock P/E 124.1

P/B 1.5

Current Price ₹314.9

Book Value ₹ 212.1

Face Value 10

52W High ₹347.3

Dividend Yield 0.16%

52W Low ₹ 198.6

Edit Ratio

JIO Financial Serv. Research see more...

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How Jio Financial Services will Empower India's Financial Future?

Overview Inc. Year: 1999Industry: Finance - NBFC

JIO Financial Services Ltd is a dynamic and innovative financial institution that has rapidly emerged as a prominent player in the financial services industry. Founded on the principles of technological prowess and customer-centricity, JIO Financial Services offers a wide range of financial products and solutions tailored to meet the diverse needs of its clientele. With a commitment to leveraging cutting-edge technology, JIO Financial Services provides seamless digital banking experiences, including online account management, lending services, and investment opportunities. The company's mission is to empower individuals and businesses alike by simplifying financial transactions, enhancing financial literacy, and fostering economic growth. JIO Financial Services distinguishes itself through its dedication to customer satisfaction, transparent practices, and a forward-thinking approach to financial services. As a trusted partner for financial well-being, JIO Financial Services Ltd is poised to continue its impressive growth and make a lasting impact in the world of finance.

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JIO Financial Serv. Share Price

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JIO Financial Serv. Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 414 608 414 418 418 694 438 493 612 981
Other Income 0 0 1 0 0 0 11 25 7 21
Total Income 414 608 414 418 418 694 449 518 619 1002
Total Expenditure 38 66 94 98 74 140 125 155 156 293
Operating Profit 376 542 321 320 344 553 324 363 464 709
Interest Expense 10 0 0 0 0 0 0 8 99 136
Depreciation 5 5 5 5 5 6 6 6 6 8
Profit Before Tax 360 537 315 315 338 548 318 350 388 566
Provision for Tax 95 86 88 82 88 84 82 80 94 88
Profit After Tax 265 450 228 233 251 463 236 270 293 478
Adjustments 67 218 66 78 62 226 59 46 31 217
Profit After Adjustments 332 668 294 311 313 689 295 316 325 695
Adjusted Earnings Per Share 1643.2 1.1 0.5 0.5 0.5 1.1 0.5 0.5 0.5 1.1

JIO Financial Serv. Profit & Loss

#(Fig in Cr.) Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2023 Mar 2024 Mar 2025 TTM
Operating Revenue 378 394 2387 3331 57 1854 2043 2524
Other Income 179 27 1 0 13 1 36 64
Total Income 557 422 2389 3331 70 1855 2079 2588
Total Expenditure 437 310 2269 3287 21 246 450 729
Operating Profit 120 112 120 45 49 1609 1629 1860
Interest Expense 11 74 90 35 0 60 52 243
Depreciation 0 0 0 0 0 22 23 26
Profit Before Tax 109 38 30 9 49 1956 1947 1622
Provision for Tax 23 8 6 3 18 351 334 344
Profit After Tax 86 30 24 7 31 1605 1613 1277
Adjustments 0 0 0 0 0 0 0 353
Profit After Adjustments 86 30 24 7 31 1605 1613 1631
Adjusted Earnings Per Share 425.9 148.3 117.3 33.9 154.6 2.5 2.5 2.6

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 10% -15% 39% 0%
Operating Profit CAGR 1% 231% 71% 0%
PAT CAGR 0% 513% 122% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -1% NA% NA% NA%
ROE Average 1% 1% 1% 1%
ROCE Average 2% 1% 1% 1%

JIO Financial Serv. Balance Sheet

#(Fig in Cr.) Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 9901 9931 9955 1361 114120 139148 123497
Minority's Interest 10 10 9 0 0 0 0
Borrowings 589 18 29 0 0 0 0
Current Liability 41 81 26 530 803 152 4445
Other Liabilities & Provisions 0 0 0 0 7 5563 5559
Total Liabilities 10542 10041 10019 1892 114930 144863 133500
Loans 2 201 199 231 41 173 10053
Investments 8304 7589 7823 816 97951 127490 111095
Fixed Assets 0 0 0 0 158 172 180
Other Loans 0 0 0 0 0 85 95
Other Non Current Assets 0 0 0 0 38 14 51
Current Assets 2236 2250 1997 844 16741 16929 12026
Total Assets 10542 10041 10019 1892 114930 144863 133500

JIO Financial Serv. Cash Flow

#(Fig in Cr.) Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 455 452 206 1 57 67
Cash Flow from Operating Activities 30 -49 -128 -414 2055 -678 -10083
Cash Flow from Investing Activities 430 659 -19 -100 -1166 1441 6406
Cash Flow from Financing Activities -5 -613 -100 462 -889 -753 3962
Net Cash Inflow / Outflow 454 -3 -246 -52 -0 11 285
Closing Cash & Cash Equivalent 455 452 206 154 57 67 352

JIO Financial Serv. Ratios

# Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 425.94 148.32 117.33 33.86 154.55 2.53 2.54
CEPS(Rs) 427.03 149.26 117.87 33.86 154.7 2.56 2.57
DPS(Rs) 0 0 0 0 4400 0 0.5
Book NAV/Share(Rs) 49014.16 49163.22 49282.57 6737.08 533498.76 219.02 194.39
Net Profit Margin 22.75 7.59 0.99 0.21 55.06 86.55 78.94
Operating Margin 31.74 28.39 5.01 1.34 86.93 108.74 97.84
PBT Margin 28.73 9.62 1.24 0.28 86.93 105.5 95.3
ROA(%) 0.82 0.29 0.24 0.11 0.05 1.24 1.16
ROE(%) 0.87 0.3 0.24 0.12 0.06 1.3 1.23
ROCE(%) 1.14 1.1 1.2 0.76 0.08 1.59 1.5
Price/Earnings(x) 0 0 0 0 0 140.09 89.59
Price/Book(x) 0 0 0 0 0 1.62 1.17
Dividend Yield(%) 0 0 0 0 0 0 0.22
EV/Net Sales(x) 0.36 -1.09 -0.07 0.1 -97.81 115.34 70.67
EV/Core EBITDA(x) 1.13 -3.85 -1.46 7.14 -112.52 132.9 88.65
Interest Earned Growth(%) 0 4.31 505.14 39.56 -98.3 3166.17 10.2
Net Profit Growth 0 -65.18 -20.89 -71.14 356.87 5034.56 0.5
EPS Growth(%) 0 -65.18 -20.89 -71.14 356.43 -98.37 0.51
Interest Coverage(x) % 10.56 1.51 1.33 1.26 0 33.6 38.49

JIO Financial Serv. Shareholding Pattern

# Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 46.77 47.12 47.12 47.12 47.12 47.12 47.12 47.12 47.12
FII 21.48 19.81 19.42 17.53 16.86 15.6 11.66 12.3 11.84
DII 13.88 13.14 12.67 11.96 11.57 12.63 14.38 14.87 14.97
Public 17.87 19.92 20.78 23.38 24.45 24.64 26.84 25.71 26.07
Others 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100

Pros

  • Company has delivered good profit growth of 121% CAGR over last 5 years
  • Company is almost debt free.

Cons

  • Promoter holding is low: 47.12%.
  • Company has a low return on equity of 1% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

JIO Financial Serv. News

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