Jio Financial Services Limited JIOFIN NIFTY50NSEAIFINANCIAL
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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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
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).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 246.99 Cr | 315.17 Cr | 416.44 Cr | 686.37 Cr | 863.86 Cr |
| Cost of Revenue | 53.54 Cr | 54.75 Cr | 63.68 Cr | 99.95 Cr | 129.03 Cr |
| Gross Profit | 193.45 Cr | 260.42 Cr | 352.76 Cr | 586.42 Cr | 734.83 Cr |
| Operating Expenses | -114.15 Cr | -71.81 Cr | -97.99 Cr | 39.06 Cr | 138.22 Cr |
| Operating Income | 307.60 Cr | 332.23 Cr | 450.75 Cr | 547.36 Cr | 596.61 Cr |
| EBITDA | 382.98 Cr | 409.22 Cr | 523.90 Cr | 591.02 Cr | 644.63 Cr |
| Interest Expense | 0 | 7.65 Cr | 98.80 Cr | 212.38 Cr | 298.09 Cr |
| Pretax Income | 377.22 Cr | 395.81 Cr | 418.97 Cr | 371.09 Cr | 338.53 Cr |
| Tax Provision | 82.44 Cr | 79.70 Cr | 94.31 Cr | 102.11 Cr | 66.31 Cr |
| Net Income | 294.78 Cr | 316.11 Cr | 324.66 Cr | 268.98 Cr | 272.22 Cr |
| Diluted EPS | 0.46 | 0.50 | 0.51 | 0.42 | 0.43 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 21.19 Cr | 1,170.60 Cr | 1,248.64 Cr | 2,767.85 Cr |
| Cost of Revenue | - | 0 | 104.62 Cr | 214.92 Cr | 387.27 Cr |
| Gross Profit | - | 21.19 Cr | 1,065.98 Cr | 1,033.72 Cr | 2,380.58 Cr |
| Operating Expenses | - | -22.65 Cr | 154.63 Cr | -492.01 Cr | 105.16 Cr |
| Operating Income | - | 43.84 Cr | 911.35 Cr | 1,525.73 Cr | 2,275.42 Cr |
| EBITDA | - | 49.34 Cr | 1,987.68 Cr | 1,977.08 Cr | 2,686.19 Cr |
| Interest Expense | - | 0 | 10.27 Cr | 7.65 Cr | 745.09 Cr |
| Pretax Income | - | 49.34 Cr | 1,955.89 Cr | 1,946.91 Cr | 1,911.66 Cr |
| Tax Provision | - | 18.09 Cr | 351.34 Cr | 334.32 Cr | 350.76 Cr |
| Net Income | - | 31.25 Cr | 1,604.55 Cr | 1,612.59 Cr | 1,560.90 Cr |
| Diluted EPS | - | 0.05 | 2.53 | 2.54 | 2.41 |
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 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 1.15 L Cr | 1.45 L Cr | 1.34 L Cr | 1.63 L Cr |
| Current Assets | - | 16,698.44 Cr | 17,102.15 Cr | 16,052.93 Cr | 29,369.79 Cr |
| Cash & Equivalents | - | 56.57 Cr | 67.18 Cr | 352.32 Cr | 715.04 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | 13.83 Cr | 13.97 Cr | 14.95 Cr | 60.70 Cr |
| Total Liabilities | - | 809.40 Cr | 5,715.33 Cr | 10,013.47 Cr | 29,643.49 Cr |
| Current Liabilities | - | 801.88 Cr | 151.67 Cr | 2,446.65 Cr | 97.11 Cr |
| Long Term Debt | - | 742.77 Cr | 0 | 1,998.09 Cr | 21,768.36 Cr |
| Total Debt | - | 742.77 Cr | 0 | 3,970.00 Cr | 21,768.36 Cr |
| Total Equity | - | 1.14 L Cr | 1.39 L Cr | 1.23 L Cr | 1.34 L Cr |
| Shares Outstanding | - | 635.33 Cr | 635.33 Cr | 635.31 Cr | 635.31 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 Cr | 1,441.22 Cr | 6,406.18 Cr | -5,696.60 Cr |
| Financing Cash Flow | - | -888.92 Cr | -753.04 Cr | 3,962.35 Cr | 21,453.70 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 L | 10.61 Cr | 285.14 Cr | 318.46 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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