Jana Small Finance Bank Limited JSFB NSEFINANCIAL

Financial Services · Banks - Regional · India

https://www.jana.bank.in

Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was founded in 1999 and is headquartered in Bengaluru, India.

Market & Price

Market Cap

₹5,216.20 Cr

Current Price

₹495.25

High / Low (52W)

₹522.40 / ₹341.85

Beta

0.68

Valuation

Stock P/E

16.03

Industry PE

19.12

Forward P/E

7.20

PEG Ratio

Book Value

₹424.58

Price to Book

1.17

P/S

1.88

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

7.60%

ROA

0.76%

Profit Margin

11.76%

Op Margin

17.34%

EPS (Latest Qtr)

₹13.23

EPS (TTM)

₹30.90

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

₹5,496.76 Cr

Total Assets

₹47,447.73 Cr

Current Assets

Working Capital

Ownership

Promoter Holding

57.43%

Chg in Prom Hold

FII / Inst Holding

14.04%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹8,161.64 Cr

Total Revenue (TTM)

₹2,775.79 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

₹-6,071.06 Cr

Shares Outstanding

₹10.53 Cr

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

17.73%

Profit 5Y

8.44%

Revenue (YoY)

17.60%

Earnings (YoY)

12.90%

PROS

Compounding revenue at 17.7% over 5 years.

CONS

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

Period: Metric:

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	JSFB Jana Small Finance Bank Limited NSEFINANCIAL	495.25	16.03	₹5,216.20 Cr	-	-	7.60%	17.73%	8.44%
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	769.99 Cr	815.35 Cr	861.09 Cr	919.50 Cr	1,001.19 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	490.90 Cr	537.93 Cr	562.95 Cr	632.97 Cr	666.47 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	584.83 Cr	602.38 Cr	655.06 Cr	709.36 Cr	709.01 Cr
Pretax Income	105.34 Cr	119.84 Cr	101.92 Cr	9.69 Cr	139.82 Cr
Tax Provision	-5.32 Cr	-3.64 Cr	0	0	0
Net Income	110.66 Cr	123.48 Cr	101.92 Cr	9.69 Cr	139.82 Cr
Diluted EPS	10.49	11.71	9.65	0.92	13.23

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	2,215.22 Cr	2,624.86 Cr	3,130.51 Cr	3,615.02 Cr
Cost of Revenue	-	-	-	-	-
Gross Profit	-	-	-	-	-
Operating Expenses	-	1,284.51 Cr	1,604.84 Cr	1,942.63 Cr	2,449.36 Cr
Operating Income	-	-	-	-	-
EBITDA	-	-	-	-	-
Interest Expense	-	1,414.99 Cr	1,885.90 Cr	2,316.66 Cr	2,759.74 Cr
Pretax Income	-	255.97 Cr	514.35 Cr	473.68 Cr	326.43 Cr
Tax Provision	-	0	-155.19 Cr	-27.74 Cr	0
Net Income	-	255.97 Cr	669.54 Cr	501.42 Cr	326.43 Cr
Diluted EPS	1.67	24.47	90.72	47.67	-

Compounded Sales Growth

5 Years:	17.73%
1 Year:	17.60%

Compounded Profit Growth

5 Years:	8.44%
1 Year:	12.90%

Stock Price Performance

1 Year:	+1.83%
6 Months:	+8.95%
3 Months:	+30.93%
1 Month:	+6.24%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	25,643.69 Cr	32,709.78 Cr	38,463.62 Cr	47,447.73 Cr
Current Assets	-	-	-	-	-
Cash & Equivalents	-	2,089.06 Cr	2,028.03 Cr	4,448.56 Cr	2,558.18 Cr
Inventory	-	-	-	-	-
Receivables	334.05 Cr	232.90 Cr	547.51 Cr	1,157.16 Cr	-
Total Liabilities	-	23,846.43 Cr	29,132.68 Cr	34,345.27 Cr	42,977.52 Cr
Current Liabilities	-	-	-	-	-
Long Term Debt	-	-	-	-	-
Total Debt	-	5,477.46 Cr	4,411.46 Cr	3,376.82 Cr	5,496.76 Cr
Total Equity	-	1,797.26 Cr	3,577.10 Cr	4,118.35 Cr	4,470.21 Cr
Shares Outstanding	-	10.46 Cr	10.46 Cr	10.51 Cr	10.53 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-1,137.18 Cr	707.82 Cr	4,073.25 Cr	593.64 Cr
Investing Cash Flow	-	-434.46 Cr	-780.09 Cr	-321.02 Cr	-4,132.66 Cr
Financing Cash Flow	-	2,103.62 Cr	33.48 Cr	-1,331.44 Cr	1,640.54 Cr
Capital Expenditure	-	-26.05 Cr	-76.91 Cr	-73.35 Cr	-122.15 Cr
Free Cash Flow	-	-1,163.23 Cr	630.91 Cr	3,999.90 Cr	471.49 Cr
Net Change in Cash	-	531.97 Cr	-38.79 Cr	2,420.79 Cr	-1,898.47 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	-	-	-
Operating Margin %	-	-	-	-	-
Net Margin %	-	11.6%	25.5%	16.0%	9.0%
ROE %	-	14.2%	18.7%	12.2%	7.3%
ROCE %	-	-	-	-	-

Shareholding Pattern

Insiders

57.43%

Institutions

14.04%

Public Float

32.97%

Analyst View

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JSFB · Financial Services