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

₹ 409 -2.92%
13 Mar - 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 ₹ 4,307 Cr.
  • Current Price ₹ 409
  • High / Low ₹ 761 / 364
  • Stock P/E 6.16
  • Book Value ₹ 366
  • Dividend Yield 0.00 %
  • ROCE 8.61 %
  • ROE 26.2 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Stock is trading at 1.12 times its book value
  • Company has delivered good profit growth of 18.6% 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 is low: 22.4%
  • Tax rate seems low
  • Earnings include an other income of Rs.722 Cr.
  • Company's cost of borrowing seems high

* 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

Sector: Banks Industry: Banks - Private Sector

Part of BSE SmallCap BSE Allcap BSE IPO BSE Financial Services Nifty Microcap 250

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Quarterly Results

Figures in Rs. Crores

Mar 2021 Dec 2021 Mar 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 587 699 694 809 849 885 979 1,038 1,111 1,167 1,166 1,177
Interest 317 341 313 368 381 423 453 490 520 557 572 585
403 438 480 492 548 560 566 553 604 639 681 665
Financing Profit -134 -79 -100 -51 -80 -98 -41 -5 -13 -29 -87 -72
Financing Margin % -23% -11% -14% -6% -9% -11% -4% -0% -1% -2% -7% -6%
91 73 101 170 161 188 164 140 180 189 176 177
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -43 -6 1 119 81 90 123 135 166 160 88 105
Tax % 0% 0% 0% 0% 0% 0% 0% 0% -93% -7% -9% -5%
-43 -6 1 119 81 90 123 135 322 171 97 111
EPS in Rs -8.40 -1.21 0.25 23.53 15.97 17.81 24.22 26.54 30.76 16.31 9.25 10.56
Gross NPA % 6.38% 3.94% 2.94% 2.44% 2.19% 2.11% 2.62% 2.97% 2.80%
Net NPA % 3.62% 2.64% 1.19% 0.87% 0.71% 0.56% 0.99% 0.99% 0.94%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 1,251 1,992 2,498 2,727 3,075 4,013 4,622
Interest 814 980 1,235 1,337 1,415 1,886 2,234
2,399 1,322 1,331 1,627 1,960 2,222 2,589
Financing Profit -1,963 -311 -68 -238 -300 -95 -202
Financing Margin % -157% -16% -3% -9% -10% -2% -4%
113 433 235 324 625 671 722
Depreciation 99 93 83 81 69 62 0
Profit before tax -1,949 30 84 5 256 514 520
Tax % 0% 0% 0% 0% 0% -30%
-1,949 30 84 5 256 670 700
EPS in Rs -413.32 5.94 16.62 1.07 50.46 64.02 66.88
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 26%
3 Years: 17%
TTM: 23%
Compounded Profit Growth
10 Years: %
5 Years: 19%
3 Years: 94%
TTM: 63%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 7%
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 19%
Last Year: 26%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 47 51 51 51 55 105 105
Reserves 476 843 926 999 1,472 3,473 3,732
Deposits 4,199 9,652 12,386 13,536 16,334 22,571 24,808
4,236 3,049 4,965 4,660 6,547 5,211 3,547
4,686 10,202 13,149 14,478 17,569 23,921 26,050
Total Liabilities 9,446 14,145 19,091 20,189 25,644 32,710 33,434
332 259 211 170 123 139 151
CWIP 2 1 1 1 5 3 0
Investments 1,468 2,650 4,698 5,065 5,221 6,738 5,816
7,644 11,234 14,181 14,952 20,295 25,831 27,467
Total Assets 9,446 14,145 19,091 20,189 25,644 32,710 33,434

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2,771 949 615 859 -1,137 707
-231 -285 -1,266 -1,330 -434 -780
-2,489 -852 1,917 -240 2,104 33
Net Cash Flow 51 -188 1,266 -711 532 -40

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 5% 10% 1% 20% 26%

Shareholding Pattern

Numbers in percentages

Mar 2024Jun 2024Sep 2024Dec 2024
22.54% 22.54% 22.38% 22.35%
1.15% 1.02% 1.09% 0.51%
17.70% 17.73% 17.99% 18.47%
58.62% 58.71% 58.53% 58.67%
No. of Shareholders 72,04249,17851,03352,297

* 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

DRHP

Credit ratings

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