Jana Small Finance Bank Limited JSFB NSEFINANCIAL
Company Overview
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.
Why Investors Should Care
Revenue has grown at a 17.7% CAGR over the past five years.
Trades at a P/E of 17.3, below the sector median of 19.6.
Operating margin of 18.7% supports profitability.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of ₹3,615.02 Cr (+15.5% YoY); net profit ₹326.43 Cr.
- Trailing 12 Months Year-on-year growth — revenue +15.5%, earnings -34.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 17.7%, profit CAGR 8.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 17.73% |
| 1 Year: | 15.48% |
Compounded Profit Growth
| 5 Years: | 8.44% |
| 1 Year: | -34.90% |
Stock Price Performance
| 1 Year: | +16.24% |
| 6 Months: | +52.73% |
| 3 Months: | +12.62% |
| 1 Month: | -4.61% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)46.46 · Neutral
P/E of 17.31 is below the sector median of 19.62 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
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
- Compounding revenue at 17.7% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 535.10 | 17.31 | ₹5,635.92 Cr | 0.00% | - | 7.30% | 17.73% | 8.44% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 712.10 | 15.57 | ₹10.96 L Cr | 1.77% | - | 8.63% | 16.90% | 12.47% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,423.20 | 19.03 | ₹10.19 L Cr | 0.82% | - | 14.93% | 18.11% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 1,016.10 | 11.15 | ₹9.38 L Cr | 1.60% | - | 13.97% | 12.19% | 14.39% |
| 5 | BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL | 1,060.50 | 34.76 | ₹6.60 L Cr | 0.47% | - | 16.68% | 22.58% | 18.23% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 415.35 | 9.14 | ₹5.25 L Cr | 2.58% | - | 32.53% | 7.26% | 16.86% |
| 7 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 424.50 | 21.89 | ₹4.22 L Cr | 0.16% | - | 10.64% | 13.48% | 8.92% |
| 8 | AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL | 1,273.00 | 15.07 | ₹3.96 L Cr | 0.08% | - | 12.27% | 12.16% | 34.61% |
| 9 | BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL | 1,970.00 | 32.30 | ₹3.15 L Cr | 0.06% | - | 12.58% | 22.92% | 15.16% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | 769.99 Cr | 815.35 Cr | 851.58 Cr | 919.50 Cr | 1,001.19 Cr | 1,009.38 Cr |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | 490.90 Cr | 537.93 Cr | 562.95 Cr | 632.97 Cr | 666.47 Cr | 676.22 Cr |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 584.83 Cr | 602.38 Cr | 655.06 Cr | 709.36 Cr | 709.01 Cr | 732.06 Cr |
| Pretax Income | 105.34 Cr | 119.84 Cr | 101.92 Cr | 9.69 Cr | 139.82 Cr | 155.23 Cr |
| Tax Provision | -5.32 Cr | -3.64 Cr | 0 | 0 | 0 | 0 |
| Net Income | 110.66 Cr | 123.48 Cr | 101.92 Cr | 9.69 Cr | 139.82 Cr | 155.23 Cr |
| Diluted EPS | 10.49 | 11.71 | 9.65 | 0.92 | 13.23 | 14.69 |
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 | - | 24.47 | 90.72 | 47.67 | 30.92 |
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
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for JSFB
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Jana Small Finance Bank Limited's (NSE:JSFB) biggest owners are retail investors who got richer after stock soared 15% last week - simplywall.st
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JSFB — Frequently Asked Questions
What is the current share price of Jana Small Finance Bank Limited (JSFB)?
As of 2026-09-08 04:53 IST, Jana Small Finance Bank Limited (JSFB) trades at ₹535.10 on NSE. Its 52-week range is ₹341.85 to ₹584.85.
What is the market capitalisation of JSFB?
Jana Small Finance Bank Limited (JSFB) has a market capitalisation of ₹5,635.92 Cr on NSE.
What is the P/E ratio of JSFB?
JSFB trades at a trailing price-to-earnings (P/E) ratio of 17.31. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 1.29.
What is the return on equity (ROE) of JSFB?
JSFB has a return on equity (ROE) of 7.30%.
Is JSFB a good stock to buy?
This page provides a data-driven analysis of Jana Small Finance Bank Limited (JSFB), 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.