Jana Small Finance Bank Ltd
₹ 491
-0.01%
29 Aug
- close price
About
Incorporated in 2006, Jana Small
Finance Bank Ltd provides a wide
range of banking and financial services[1]
Key Points
- Market Cap ₹ 5,163 Cr.
- Current Price ₹ 491
- High / Low ₹ 607 / 364
- Stock P/E 11.9
- Book Value ₹ 392
- Dividend Yield 0.00 %
- ROCE 8.15 %
- ROE 13.0 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 72.4% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Promoter holding has decreased over last quarter: -0.40%
- Promoter holding is low: 21.9%
- Tax rate seems low
- Earnings include an other income of Rs.853 Cr.
- Working capital days have increased from 44.7 days to 71.2 days
* 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.
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
---|---|---|---|---|---|---|---|---|---|
1,555 | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,014 | 4,710 | 4,793 | |
Interest | 1,164 | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 | 2,317 | 2,414 |
2,844 | 2,399 | 1,322 | 1,331 | 1,627 | 1,960 | 2,222 | 2,635 | 2,816 | |
Financing Profit | -2,453 | -1,963 | -311 | -68 | -238 | -300 | -94 | -242 | -437 |
Financing Margin % | -158% | -157% | -16% | -3% | -9% | -10% | -2% | -5% | -9% |
42 | 113 | 433 | 235 | 324 | 625 | 670 | 776 | 853 | |
Depreciation | 0 | 99 | 93 | 83 | 81 | 69 | 62 | 61 | 0 |
Profit before tax | -2,411 | -1,949 | 30 | 84 | 5 | 256 | 514 | 474 | 415 |
Tax % | 4% | 0% | 0% | 0% | 0% | 0% | -30% | -6% | |
-2,504 | -1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 433 | |
EPS in Rs | -637.29 | -413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 41.25 |
Dividend Payout % | -0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 19% |
3 Years: | 20% |
TTM: | 12% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 72% |
3 Years: | 347% |
TTM: | -42% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | -18% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 16% |
3 Years: | 19% |
Last Year: | 13% |
Balance Sheet
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|
Equity Capital | 39 | 47 | 51 | 51 | 51 | 55 | 105 | 105 |
Reserves | 1,490 | 476 | 843 | 926 | 999 | 1,472 | 3,473 | 4,013 |
Deposits | 0 | 4,199 | 9,652 | 12,386 | 13,540 | 16,334 | 22,571 | 29,120 |
Borrowing | 7,662 | 4,236 | 3,049 | 4,965 | 4,660 | 6,547 | 5,211 | 3,867 |
558 | 487 | 550 | 763 | 938 | 1,235 | 1,350 | 1,359 | |
Total Liabilities | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 |
385 | 332 | 259 | 211 | 170 | 123 | 139 | 150 | |
CWIP | 0 | 2 | 1 | 1 | 1 | 5 | 3 | 3 |
Investments | 1,997 | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | 6,738 | 5,945 |
7,367 | 7,644 | 11,234 | 14,181 | 14,952 | 20,295 | 25,831 | 32,366 | |
Total Assets | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,464 |
Cash Flows
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|
2,771 | 949 | 615 | 859 | -1,137 | 708 | 4,073 | ||
-231 | -285 | -1,266 | -1,330 | -434 | -780 | -321 | ||
-2,489 | -852 | 1,917 | -240 | 2,104 | 33 | -1,331 | ||
Net Cash Flow | 51 | -188 | 1,266 | -711 | 532 | -39 | 2,421 |
Ratios
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|---|---|---|
ROE % | -189% | 5% | 10% | 1% | 20% | 26% | 13% |
Documents
Announcements
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 1d
- Shareholder Meeting / Postal Ballot-Outcome of AGM 1d
-
Appointment Of Secretarial Auditor
1d - Shareholders approved Nagendra D Rao & Associates LLP as secretarial auditor for FY2025-26 to FY2029-30.
-
Appointment Of Independent Director (Additional Director)
27 Aug - Rakesh Joshi appointed Independent Director of Jana Small Finance Bank from 27 Aug 2025 for five-year term.
-
Receipt Of Order-In-Original Passed By Additional Commissioner Of Central Tax GST, Bengaluru East Commissionerate, Karnataka
26 Aug - Order dated 25 Aug 2025: GST demand ₹14,32,50,552 plus equal penalty; bank to appeal and contest order-in-original.
Concalls
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Jul 2025Transcript PPT
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May 2025Transcript PPT REC
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Jan 2025Transcript PPT
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Oct 2024Transcript PPT REC
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Jul 2024Transcript PPT REC
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May 2024Transcript PPT
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Mar 2024Transcript PPT
Business Overview:[1][2]
JSFBL is a small finance bank. The Jana Holdings Ltd is their promoter with ~25% stake. Bank has ~776 Banking Outlets in ~22 States/2 UTs with 4.5 Million Active Customers. Its ~37% of the outlets are Unbanked Rural Centres