JIO Financial Serv.

₹362.3 5.1 | 1.4%

WEBSITE BSE:543940 NSE : JIOFIN 18 May, 12:50

Market Cap ₹230148 Cr.

Stock P/E 3.1

P/B 9.4

Current Price ₹362.3

Book Value ₹ 38.5

Face Value 10

52W High ₹394.7

Dividend Yield 1214.63%

52W Low ₹ 204.7

Edit Ratio

JIO Financial Serv. Research see more...

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.

JIO Financial Serv. Share Price

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Peer Comparison

JIO Financial Serv. Quarterly Results

#(Fig in Cr.)	Sep 2022	Dec 2022	Mar 2023
Operating Revenue	3	35	18
Other Income	0	0	3
Total Income	3	35	21
Total Expenditure	0	4	1
Operating Profit	3	31	20
Interest Expense	0	0	0
Depreciation	0	0	0
Profit Before Tax	3	31	20
Provision for Tax	1	23	-3
Profit After Tax	2	8	23
Adjustments	0	0	0
Profit After Adjustments	2	8	23
Adjusted Earnings Per Share	10	39.8	114

JIO Financial Serv. Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	109	81	281	228	940	296	-105	349	295	149	42	56
Other Income	0	0	0	0	1	1	0	0	16	36	13	3
Total Income	109	81	281	229	941	297	-105	349	311	184	55	59
Total Expenditure	5	28	38	236	11	16	16	28	82	7	6	5
Operating Profit	105	53	243	-7	930	282	-121	322	229	177	49	54
Interest Expense	86	35	157	287	267	71	248	128	111	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	19	18	86	-295	663	210	-369	194	118	177	49	54
Provision for Tax	2	3	14	6	239	-32	33	-36	-5	9	18	21
Profit After Tax	17	16	72	-301	424	242	-402	230	123	168	31	33
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	17	16	72	-301	424	242	-402	230	123	168	31	33
Adjusted Earnings Per Share	81.8	77.4	356.4	-1489.3	2098.6	1196.5	-1988.5	1138.3	609.2	831.9	154.6	163.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-72%	-51%	-32%	-9%
Operating Profit CAGR	-72%	-47%	-30%	-7%
PAT CAGR	-82%	-49%	-34%	6%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	NA%	NA%	NA%	NA%
ROE Average	0%	5%	1%	3%
ROCE Average	0%	5%	4%	7%

JIO Financial Serv. Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	1170	1186	1258	1443	1867	2109	1707	1937	2060	2228	24054
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Current Liability	17	530	2280	3387	1834	1738	2339	2824	0	0	745
Other Liabilities & Provisions	0	0	0	0	145	21	54	5	-4	-5	4
Total Liabilities	1188	1716	3538	4830	3846	3867	4100	4766	2056	2223	24803
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	614	631	465	433	280	932	1038	206	57	181	19401
Fixed Assets	0	0	0	0	0	0	0	0	0	0	49
Other Loans	209	252	334	35	15	73	103	129	1986	2041	24
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	366	832	2740	4362	3551	2862	2960	4431	13	1	5330
Total Assets	1188	1716	3538	4830	3846	3867	4100	4766	2056	2223	24803

JIO Financial Serv. Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	451	4	2	0	0	1	1	1	0	0	1
Cash Flow from Operating Activities	-100	-404	-1800	-920	-75	173	-31	-3687	2434	123	2055
Cash Flow from Investing Activities	-39	-60	183	173	1828	-14	-305	3649	163	-123	-1166
Cash Flow from Financing Activities	-107	462	1615	746	-1752	-160	336	37	-2597	0	-889
Net Cash Inflow / Outflow	-246	-2	-2	-0	1	-1	0	-1	-0	0	-0
Closing Cash & Cash Equivalent	205	2	0	0	1	1	1	0	0	1	0

JIO Financial Serv. Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	81.78	77.43	356.44	-1489.26	2098.61	1196.49	-1988.51	1138.32	609.21	831.88	154.55
CEPS(Rs)	81.78	77.43	356.44	-1489.26	2098.61	1196.49	-1988.51	1138.32	609.21	831.88	154.7
DPS(Rs)	0	0	0	0	0	0	0	0	0	0	4400
Book NAV/Share(Rs)	5792.87	5870.3	6226.73	7142.33	9240.94	10437.43	8448.91	9587.23	10196.44	11028.32	87627.03
Net Profit Margin	15.12	19.23	25.61	-131.84	45.08	81.58	382.44	65.84	41.69	113.07	75.07
Operating Margin	95.81	65.76	86.42	-3.27	98.9	95.06	115.19	92.08	77.45	119.02	118.52
PBT Margin	17.37	22.3	30.7	-129.23	70.55	70.95	351.2	55.5	40	119.02	118.52
ROA(%)	1.37	1.08	2.74	-7.19	9.77	6.27	-10.08	5.19	3.61	7.85	0.23
ROE(%)	1.42	1.33	5.89	-22.28	25.62	12.16	-21.06	12.62	6.16	7.84	0.31
ROCE(%)	9.01	3.78	9.65	-0.19	23.56	7.75	-3.07	7.67	7.13	8.25	0.37
Price/Earnings(x)	0	0	0	0	0	0	0	0	0	0	0
Price/Book(x)	0	0	0	0	0	0	0	0	0	0	0
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	-1.86	3.93	6.84	11.73	1.29	5.87	-22.11	6.94	0.01	0.01	-102.21
EV/Core EBITDA(x)	-1.94	5.98	7.91	-358.16	1.3	6.17	-19.2	7.53	0.01	0.01	-86.24
Interest Earned Growth(%)	-71.65	-25.57	245.66	-18.85	312.1	-68.49	-135.45	-432.52	-15.48	-49.65	-71.99
Net Profit Growth	-43.52	-5.33	360.36	-517.82	240.92	-42.99	-266.2	157.24	-46.48	36.55	-81.4
EPS Growth(%)	-43.52	-5.33	360.36	-517.82	240.92	-42.99	-266.2	157.24	-46.48	36.55	-81.42
Interest Coverage(x) %	1.22	1.51	1.55	-0.03	3.49	3.94	-0.49	2.52	2.07	0	0

JIO Financial Serv. Shareholding Pattern

#	Sep 2023	Dec 2023	Mar 2024
Promoter	46.77	47.12	47.12
FII	21.48	19.81	19.42
DII	13.88	13.14	12.67
Public	17.87	19.92	20.78
Others	0	0	0
Total	100	100	100

#	Sep 2023	Dec 2023	Mar 2024
Promoter	297.12	299.39	299.39
FII	136.47	125.89	123.41
DII	88.2	83.48	80.52
Public	113.53	126.57	132.01
Others	0	0	0
Total	635.33	635.33	635.33

Pros

Stock is providing a good dividend yield of 1214.63 %.
Company is almost debt free.

Cons

Promoter holding is low: 47.12%.
Company has a low return on equity of 5% over the last 3 years.
Stock is trading at 9.4 times its book value.
Earnings include an other income of Rs. 13 Cr.
The company has delivered a poor profit growth of -33% over past five 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.