Jana Small Finance Bank Ltd

Jana Small Finan Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Jana Small Finance Bank Ltd

₹ 465 -1.59%
08 Aug - close price
janabank.com BSE: 544118 NSE: JSFB
About

Incorporated in 2006, Jana Small
Finance Bank Ltd provides a wide
range of banking and financial services[1]

Key Points

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

Website BSE NSE
  • Market Cap ₹ 4,891 Cr.
  • Current Price ₹ 465
  • High / Low ₹ 620 / 364
  • Stock P/E 11.3
  • Book Value ₹ 392
  • Dividend Yield 0.00 %
  • ROCE 8.15 %
  • ROE 13.0 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.19 times its book value
  • 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.

Peer comparison

Financial Services Financial Services Banks Other Bank

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Figures in Rs. Crores

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
678 718 809 849 885 979 1,038 1,112 1,167 1,166 1,177 1,199 1,250
Interest 320 324 368 381 423 453 490 520 557 572 585 602 655
491 498 492 548 560 566 553 604 639 681 665 711 759
Financing Profit -134 -104 -51 -80 -98 -41 -5 -13 -29 -87 -72 -114 -164
Financing Margin % -20% -14% -6% -9% -11% -4% -0% -1% -2% -7% -6% -10% -13%
179 115 170 161 188 164 140 179 189 176 177 234 266
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 45 11 119 81 90 123 135 166 160 88 105 120 102
Tax % 0% 0% 0% 0% 0% 0% 0% -93% -7% -9% -5% -3% 0%
45 11 119 81 90 123 135 322 171 97 111 123 102
EPS in Rs 8.89 2.07 23.53 15.97 17.81 24.22 26.54 30.76 16.31 9.25 10.56 11.75 9.69
Gross NPA % 6.38% 3.94% 2.94% 2.44% 2.19% 2.11% 2.62% 2.97% 2.80% 2.71% 2.91%
Net NPA % 3.62% 2.64% 1.19% 0.87% 0.71% 0.56% 0.99% 0.99% 0.94% 0.94% 0.94%
Raw PDF

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: -22%
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%

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
22.54% 22.54% 22.38% 22.35% 22.28% 21.88%
1.15% 1.02% 1.09% 0.51% 0.89% 0.28%
17.70% 17.73% 17.99% 18.47% 15.89% 16.03%
58.62% 58.71% 58.53% 58.67% 60.94% 61.81%
No. of Shareholders 72,04249,17851,03352,29752,41253,351

* 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.

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