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Jio Financial Services Limited JIOFIN NIFTY50NSEAIFINANCIAL

Financial Services · Asset Management · India
https://www.jfs.in
Company Profile ↓
₹238.10
-28.10% 1Y
Mkt Cap₹1.51 L Cr
P/E98.80
P/B1.14
Div. Yield0.21%
52W High₹333.38
52W Low₹224.10
Book Value₹210.69
EPS (TTM)₹2.41

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 268.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 407.4% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 56.4%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.16.

Recent Developments

  • Mar 2026 Revenue of ₹2,767.85 Cr (+121.7% YoY); net profit ₹1,560.90 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +121.7%, earnings -3.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 407.4%, profit CAGR 268.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:407.38%
1 Year:121.67%

Compounded Profit Growth

5 Years:268.28%
1 Year:-3.21%

Stock Price Performance

1 Year:-28.10%
6 Months:-17.40%
3 Months:-2.36%
1 Month:-1.59%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Fintech / AI-Powered Lending
Core Focus

Jio Financial Services uses AI/ML at the core of its credit underwriting and customer acquisition model — leveraging Jio's 450M+ subscriber data for alternative data scoring. AI powers insurance product recommendations on JioFinance app and dynamic pricing on loan products. Also exploring AI-driven wealth management through JioBHFL (home loans).

Key Initiatives
  • AI-native financial services Jio Financial is building a digital-first lending, payments and insurance platform designed around AI underwriting and the Reliance/Jio data ecosystem from day one.
  • JioFinance app & AI personalisation The JioFinance app uses AI to personalise lending, insurance and investment offers across Jio's vast retail and telecom customer base.
  • BlackRock JV (Jio BlackRock) The asset-management and wealth JV with BlackRock brings Aladdin-grade analytics and AI-driven investing to Indian retail investors.
Why Investors Should Care
  • Greenfield, AI-native financial platform with access to Jio's 450M+ customer data moat.
  • Optionality is enormous (lending, payments, AMC, insurance) but profits are nascent — ROE ~1%.
  • Backed by Reliance's balance sheet, removing funding risk during the build-out.
  • Very high P/E ~100 prices in years of future scale — a long-duration bet.
AI InvestmentPart of Jio Platforms' broader AI investment. JIOFIN specifically investing in proprietary credit-score models and AI-driven KYC/fraud prevention infrastructure. Exact figure not separately disclosed (~₹500-1,000 Cr est.).
AI RevenueRevenue early-stage (~₹1,500-2,000 Cr FY25). AUM growing rapidly from near-zero. AI-driven underwriting enabling thin-file credit access — differentiated vs traditional NBFCs.
ROI (Now)Not yet profitable but asset quality strong (NPA <0.5%) due to AI-driven borrower selection. Customer acquisition cost structurally lower via Jio app distribution. ROCE/ROE not yet meaningful.
ROI (Expected)With Jio's data moat, JIOFIN could become India's dominant digital lender. Analysts model 30-40% AUM CAGR over 5 years. AI advantage in underwriting seen as defensible vs banks and fintechs.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 56.4%.
  • Compounding revenue at 407.4% over 5 years.
  • Profit CAGR of 268.3% over 5 years.

CONS

  • Trading at a high P/E of 98.8.
  • Trading 28.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

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Valuation

Stock P/E
98.80
Industry PE
19.81
Forward P/E
52.21
PEG Ratio
-
Book Value
₹210.69
Price to Book
1.14
P/S
59.00
EV/EBITDA
64.93
Dividend Yield
0.21%

Growth (CAGR)

Revenue 5Y
407.38%
Profit 5Y
268.28%
Revenue (YoY)
121.67%
Earnings (YoY)
-3.21%

Profitability & Returns

ROCE
1.63%
ROE
1.17%
ROA
0.95%
Profit Margin
56.39%
Op Margin
82.21%
Gross Margin
86.01%
EPS (Latest Qtr)
₹0.43
EPS (TTM)
₹2.41

Balance Sheet & Liquidity

Debt/Equity
0.16
Quick Ratio
230.01
Current Ratio
302.44
Debt
₹21,768.36 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
1.07%
FII / Inst Holding
19.18%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹1.51 L Cr
Total Revenue (TTM)
₹2,767.85 Cr
EBITDA
₹2,686.19 Cr
Free Cash Flow
₹-15,544.10 Cr
Operating Cash Flow
₹-15,438.64 Cr
Shares Outstanding
₹635.31 Cr
Gross Margin
86.01%
Payout Ratio
20.75%

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 238.10 98.80 ₹1.51 L Cr 0.21% 1.63% 1.17% 407.38% 268.28%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 414.00 Cr608.00 Cr414.00 Cr418.00 Cr418.00 Cr694.00 Cr246.99 Cr315.17 Cr416.44 Cr981.00 Cr686.37 Cr863.86 Cr
Cost of Revenue ------53.54 Cr54.75 Cr63.68 Cr-99.95 Cr129.03 Cr
Gross Profit ------193.45 Cr260.42 Cr352.76 Cr-586.42 Cr734.83 Cr
Operating Expenses 38.00 Cr66.00 Cr94.00 Cr98.00 Cr74.00 Cr140.00 Cr-114.15 Cr-71.81 Cr-97.99 Cr293.00 Cr39.06 Cr138.22 Cr
Operating Income 371.00 Cr537.00 Cr315.00 Cr315.00 Cr339.00 Cr547.00 Cr307.60 Cr332.23 Cr450.75 Cr680.00 Cr547.36 Cr596.61 Cr
EBITDA 376.00 Cr542.00 Cr320.00 Cr320.00 Cr344.00 Cr553.00 Cr382.98 Cr409.22 Cr523.90 Cr688.00 Cr591.02 Cr644.63 Cr
Interest Expense 10.00 Cr0000007.65 Cr98.80 Cr136.00 Cr212.38 Cr298.09 Cr
Pretax Income 427.00 Cr754.00 Cr381.00 Cr393.00 Cr400.00 Cr773.00 Cr377.22 Cr395.81 Cr418.97 Cr783.00 Cr371.09 Cr338.53 Cr
Tax Provision 93.94 Cr82.94 Cr87.63 Cr82.53 Cr88.00 Cr85.03 Cr82.44 Cr79.70 Cr94.31 Cr86.13 Cr102.11 Cr66.31 Cr
Net Income 332.00 Cr668.00 Cr294.00 Cr311.00 Cr313.00 Cr689.00 Cr294.78 Cr316.11 Cr324.66 Cr695.00 Cr268.98 Cr272.22 Cr
Diluted EPS -1.050.460.490.491.080.460.500.511.090.420.43

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

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
19.18%
Public Float
38.52%

Analyst View

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Latest News

Recent headlines for JIOFIN

Google News ue, 10 Feb 2026

Jio Financial Services Limited's (NSE:JIOFIN) top owners are private companies with 41% stake, while 29% is held by individual investors - simplywall.st

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Google News Mon, 20 Apr 2026

Buy Jio Financial Services; target of Rs 315: Motilal Oswal - TradingView

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Google News Fri, 10 Jul 2026

Stock Market Mid-Day report, July 10, 2026: Sensex, Nifty Extend Gains, Trade on Positive Asian, US Cues - HDFC Sky

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Google News Fri, 17 Apr 2026

Jio Financial Services Limited Approves Management Changes - marketscreener.com

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Google News Wed, 11 Mar 2026

Jio Financial Services stock rated ‘buy’, Motilal Oswal sees 48% profit CAGR; check target price, upside - TradingView

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Google News hu, 22 Jan 2026

GRSE, Swiggy, Jio Fin, 2 other stocks form 'Death Cross', show tech charts - Business Standard

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JIOFIN — Frequently Asked Questions

What is the current share price of Jio Financial Services Limited (JIOFIN)?

As of 2026-07-15 09:52 IST, Jio Financial Services Limited (JIOFIN) trades at ₹238.10 on NSE. Its 52-week range is ₹224.10 to ₹333.38.

What is the market capitalisation of JIOFIN?

Jio Financial Services Limited (JIOFIN) has a market capitalisation of ₹1.51 L Cr on NSE.

What is the P/E ratio of JIOFIN?

JIOFIN trades at a trailing price-to-earnings (P/E) ratio of 98.80. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.14.

Does JIOFIN pay a dividend?

Jio Financial Services Limited (JIOFIN) currently offers a dividend yield of 0.21%.

What is the return on equity (ROE) of JIOFIN?

JIOFIN has a return on equity (ROE) of 1.17%. Its return on capital employed (ROCE) is 1.63%.

Is JIOFIN a good stock to buy?

This page provides a data-driven analysis of Jio Financial Services Limited (JIOFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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