Jio Financial Services Ltd

Jio Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Jio Financial Services Ltd

₹ 312 0.52%
29 Aug - close price
jfs.in BSE: 543940 NSE: JIOFIN
About

JFSL was originally incorporated as Reliance Strategic Investments Private Limited in July, 1999 under the Companies Act 1956. Jio Financial Services Limited was incorporated in July, 23. JFSL is a NBFC-ND-SI registered with RBI. The company is a holding company and will operate its financial services business through its consumer-facing subsidiaries namely Jio Finance Limited (JFL), Jio Insurance Broking Limited (JIBL), and Jio Payment Solutions Limited (JPSL) and joint venture namely Jio Payments Bank Limited (JPBL).[1]Jio Financial Serv

Key Points

Overview

The financial services business Reliance Industries Ltd got demerged into Jio Financial Services. [1] [2]
In July,24, the company received the final approval from the RBI to become a Core Investment Company - Non-Deposit taking - Systemically important Company from an NBFC. [3]

Website BSE NSE
  • Market Cap ₹ 1,98,032 Cr.
  • Current Price ₹ 312
  • High / Low ₹ 363 / 199
  • Stock P/E 361
  • Book Value ₹ 39.3
  • Dividend Yield 0.16 %
  • ROCE 2.64 %
  • ROE 2.22 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 19.0% CAGR over last 5 years

Cons

  • Stock is trading at 7.93 times its book value
  • Company has a low return on equity of 1.55% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Investment Company

Part of Nifty 50 BSE 500 BSE 100 BSE 200 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
3 35 18 215 149 134 141 134 383 137 152 134
0 4 1 6 22 33 33 33 51 44 45 35
Operating Profit 3 31 17 209 127 101 107 101 332 93 106 99
OPM % 93% 88% 94% 97% 85% 75% 76% 75% 87% 68% 70% 74%
0 0 3 0 0 0 0 0 0 10 23 0
Interest 0 0 0 10 0 0 0 0 0 0 0 0
Depreciation 0 0 0 3 3 3 3 3 3 3 3 3
Profit before tax 3 31 20 196 124 98 104 98 329 101 126 96
Tax % 26% 74% -16% 26% 28% 28% 25% 27% 7% 25% 23% 26%
2 8 23 145 89 70 78 72 305 75 97 71
EPS in Rs 0.14 0.11 0.12 0.11 0.48 0.12 0.15 0.11
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
3 -105 349 303 149 45 638 806 806
0 16 28 82 7 -4 94 174 176
Operating Profit 3 -121 322 221 141 49 544 632 630
OPM % 94% 92% 73% 95% 110% 85% 78% 78%
0 0 0 8 35 0 0 33 34
Interest 1 248 128 111 0 0 10 0 0
Depreciation 0 0 0 0 0 0 12 12 12
Profit before tax 2 -369 194 118 177 49 521 653 652
Tax % -15% 9% -19% -4% 5% 37% 27% 16%
2 -402 230 123 168 31 382 549 549
EPS in Rs 0.60 0.86 0.86
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 58%
Compounded Sales Growth
10 Years: %
5 Years: 18%
3 Years: 76%
TTM: 45%
Compounded Profit Growth
10 Years: %
5 Years: 19%
3 Years: 48%
TTM: 78%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -4%
Return on Equity
10 Years: %
5 Years: 2%
3 Years: 2%
Last Year: 2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 0.02 2 2 2 2 2 6,353 6,353
Reserves 21 1,705 1,935 2,058 2,226 24,052 18,084 18,632
17 2,322 2,420 0 0 743 0 0
0 72 426 0 0 6 37 110
Total Liabilities 39 4,100 4,783 2,060 2,228 24,803 24,474 25,096
0 0 0 0 0 49 37 28
CWIP 0 0 0 0 0 0 0 0
Investments 37 3,144 206 57 181 19,401 19,720 22,706
2 956 4,577 2,003 2,047 5,354 4,717 2,361
Total Assets 39 4,100 4,783 2,060 2,228 24,803 24,474 25,096

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2 -1 -3,687 2,434 123 2,053 -283 -1,772
-0 -2 3,649 163 -123 -1,164 1,041 1,776
-2 3 37 -2,597 0 -889 -753 0
Net Cash Flow -0 0 -1 -0 0 -0 5 4

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 49 -108 8 0 0 0 0 0
Inventory Days 0
Days Payable
Cash Conversion Cycle 49 -108 8 0 0 0 0 0
Working Capital Days 189 3,231 -256 57 99 829 9 10
ROCE % -6% 8% 7% 8% 0% 2% 3%

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
46.77% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12%
21.58% 19.83% 19.45% 17.55% 16.88% 15.62% 11.66% 12.30%
13.64% 12.99% 12.50% 11.79% 11.39% 12.46% 14.21% 14.68%
0.13% 0.14% 0.14% 0.15% 0.15% 0.17% 0.17% 0.18%
17.86% 19.92% 20.77% 23.39% 24.46% 24.61% 26.83% 25.70%
No. of Shareholders 39,83,14440,83,12943,99,04148,02,85148,60,79549,78,98452,59,48351,18,346

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Concalls