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Jio Financial Services Limited JIOFIN NIFTY50NSEAIFINANCIAL

Financial Services · Asset Management · India
https://www.jfs.in

Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India. The company provides loans, savings accounts, recharges, digital insurance, financial tracking, management tools, digital banking, unified payments interface transactions, bill payments, and insurance advisory; and asset and wealth management, and broking services, as well as operating lease solutions to consumers and businesses through a Device-as-a-Service model. It also provides insurance broking services, such as car, bike, health, term, investment, SMEs, MSMEs, property, cyber risk, commercial lines, corporate, and education. In addition, it offers digital banking services, including zero balance, savings, salary, wallet, and online and offline payment solutions; debit cards; payment systems, including aadhaar enabled payment and domestic money transfer; digital payment solutions. Further, it provides home loan; home loan against balance transfer; loan against property, mutual funds, and shares; solar financing; corporate loans and lease; and distribution of life, non-life, and health insurance products. The company was formerly known as Reliance Strategic Investments Limited and changed its name to Jio Financial Services Limited in July 2023. Jio Financial Services Limited was incorporated in 1999 and is based in Mumbai, India.

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₹238.95
-16.86% 1Y

Market & Price

Market Cap
₹1.58 L Cr
Current Price
₹238.95
High / Low (52W)
₹333.38 / ₹224.10
Beta
0.65

Valuation

Stock P/E
99.15
Industry PE
19.12
Forward P/E
54.43
PEG Ratio
-
Book Value
₹211.44
Price to Book
1.13
P/S
58.39
EV/EBITDA
-
Dividend Yield
0.21%

Profitability & Returns

ROCE
1.63%
ROE
1.21%
ROA
1.05%
Profit Margin
57.77%
Op Margin
43.08%
EPS (Latest Qtr)
₹0.43
EPS (TTM)
₹2.41

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
230.01
Current Ratio
234.53
Debt
₹21,798.94 Cr
Total Assets
₹1.63 L Cr
Current Assets
₹29,369.79 Cr
Working Capital
₹29,272.68 Cr

Ownership

Promoter Holding
50.20%
Chg in Prom Hold
-
FII / Inst Holding
21.72%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹1.69 L Cr
Total Revenue (TTM)
₹2,702.00 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-15,438.64 Cr
Shares Outstanding
₹660.31 Cr
Gross Margin
100.00%
Payout Ratio
20.75%

Growth (CAGR)

Revenue 5Y
407.38%
Profit 5Y
268.28%
Revenue (YoY)
39.40%
Earnings (YoY)
-14.00%

PROS

  • Excellent profit margin of 57.8%.
  • Compounding revenue at 407.4% over 5 years.
  • Profit CAGR of 268.3% over 5 years.

CONS

  • Trading at a high P/E of 99.1.
  • Trading 28.3% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 JIOFIN Jio Financial Services Limited NIFTY50NSEAIFINANCIAL 238.95 99.15 ₹1.58 L Cr 0.21% 1.63% 1.21% 407.38% 268.28%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 246.99 Cr315.17 Cr416.44 Cr686.37 Cr863.86 Cr
Cost of Revenue 53.54 Cr54.75 Cr63.68 Cr99.95 Cr129.03 Cr
Gross Profit 193.45 Cr260.42 Cr352.76 Cr586.42 Cr734.83 Cr
Operating Expenses -114.15 Cr-71.81 Cr-97.99 Cr39.06 Cr138.22 Cr
Operating Income 307.60 Cr332.23 Cr450.75 Cr547.36 Cr596.61 Cr
EBITDA 382.98 Cr409.22 Cr523.90 Cr591.02 Cr644.63 Cr
Interest Expense 07.65 Cr98.80 Cr212.38 Cr298.09 Cr
Pretax Income 377.22 Cr395.81 Cr418.97 Cr371.09 Cr338.53 Cr
Tax Provision 82.44 Cr79.70 Cr94.31 Cr102.11 Cr66.31 Cr
Net Income 294.78 Cr316.11 Cr324.66 Cr268.98 Cr272.22 Cr
Diluted EPS 0.460.500.510.420.43

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -21.19 Cr1,170.60 Cr1,248.64 Cr2,767.85 Cr
Cost of Revenue -0104.62 Cr214.92 Cr387.27 Cr
Gross Profit -21.19 Cr1,065.98 Cr1,033.72 Cr2,380.58 Cr
Operating Expenses --22.65 Cr154.63 Cr-492.01 Cr105.16 Cr
Operating Income -43.84 Cr911.35 Cr1,525.73 Cr2,275.42 Cr
EBITDA -49.34 Cr1,987.68 Cr1,977.08 Cr2,686.19 Cr
Interest Expense -010.27 Cr7.65 Cr745.09 Cr
Pretax Income -49.34 Cr1,955.89 Cr1,946.91 Cr1,911.66 Cr
Tax Provision -18.09 Cr351.34 Cr334.32 Cr350.76 Cr
Net Income -31.25 Cr1,604.55 Cr1,612.59 Cr1,560.90 Cr
Diluted EPS -0.052.532.542.41

Compounded Sales Growth

5 Years:407.38%
1 Year:39.40%

Compounded Profit Growth

5 Years:268.28%
1 Year:-14.00%

Stock Price Performance

1 Year:-16.86%
6 Months:-20.56%
3 Months:-6.39%
1 Month:-3.01%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -1.15 L Cr1.45 L Cr1.34 L Cr1.63 L Cr
Current Assets -16,698.44 Cr17,102.15 Cr16,052.93 Cr29,369.79 Cr
Cash & Equivalents -56.57 Cr67.18 Cr352.32 Cr715.04 Cr
Inventory -----
Receivables -13.83 Cr13.97 Cr14.95 Cr60.70 Cr
Total Liabilities -809.40 Cr5,715.33 Cr10,013.47 Cr29,643.49 Cr
Current Liabilities -801.88 Cr151.67 Cr2,446.65 Cr97.11 Cr
Long Term Debt -742.77 Cr01,998.09 Cr21,768.36 Cr
Total Debt -742.77 Cr03,970.00 Cr21,768.36 Cr
Total Equity -1.14 L Cr1.39 L Cr1.23 L Cr1.34 L Cr
Shares Outstanding -635.33 Cr635.33 Cr635.31 Cr635.31 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -2,054.90 Cr-677.57 Cr-10,083.39 Cr-15,438.64 Cr
Investing Cash Flow --1,166.32 Cr1,441.22 Cr6,406.18 Cr-5,696.60 Cr
Financing Cash Flow --888.92 Cr-753.04 Cr3,962.35 Cr21,453.70 Cr
Capital Expenditure ---79.00 L-41.80 Cr-105.46 Cr
Free Cash Flow -2,054.90 Cr-678.36 Cr-10,125.19 Cr-15,544.10 Cr
Net Change in Cash --34.00 L10.61 Cr285.14 Cr318.46 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -100.0%91.1%82.8%86.0%
Operating Margin % -206.9%77.9%122.2%82.2%
Net Margin % -147.5%137.1%129.1%56.4%
ROE % -0.0%1.2%1.3%1.2%
ROCE % -0.0%0.6%1.2%1.4%

Shareholding Pattern

Insiders
50.20%
Institutions
21.72%
Public Float
43.62%

Analyst View

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