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

₹ 458 -1.72%
30 Apr - 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 ~22% stake. Bank has 816 Banking Outlets in ~23 States/2 UTs with 4.3 Million Active Customers. It has 62 ATMs, 25,892 employees and has served over 12 mn customers since 2008.

Website BSE NSE
  • Market Cap ₹ 4,825 Cr.
  • Current Price ₹ 458
  • High / Low ₹ 553 / 330
  • Stock P/E 14.8
  • Book Value ₹ 421
  • Dividend Yield 0.00 %
  • ROCE 7.45 %
  • ROE 7.63 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 1.09 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 21.8%
  • Tax rate seems low
  • Earnings include an other income of Rs.1,022 Cr.

* 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

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Part of BSE Financial Services Nifty Microcap 250 Nifty Total Market BSE 1000 BSE MidSmall Private Banks Quality Tilt

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
849 885 979 1,038 1,112 1,167 1,166 1,177 1,184 1,252 1,305 1,374 1,445
Interest 381 423 453 490 520 557 572 585 602 655 686 709 709
548 560 566 553 604 639 681 665 696 759 791 899 861
Financing Profit -80 -98 -41 -5 -13 -29 -87 -72 -114 -162 -172 -235 -126
Financing Margin % -9% -11% -4% -0% -1% -2% -7% -6% -10% -13% -13% -17% -9%
161 188 164 140 179 189 176 177 234 264 247 245 266
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 81 90 123 135 166 160 88 105 120 102 75 10 140
Tax % 0% 0% 0% 0% -93% -7% -9% -5% -3% 0% 0% 0% 0%
81 90 123 135 322 171 97 111 123 102 75 10 140
EPS in Rs 15.97 17.81 24.22 26.54 30.76 16.31 9.25 10.56 11.75 9.69 7.13 0.92 13.28
Gross NPA % 3.94% 2.94% 2.44% 2.19% 2.11% 2.62% 2.97% 2.80% 2.71% 2.91% 2.87% 2.59% 2.46%
Net NPA % 2.64% 1.19% 0.87% 0.71% 0.56% 0.99% 0.99% 0.94% 0.94% 0.94% 0.94% 0.94% 0.92%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
1,555 1,251 1,992 2,498 2,727 3,075 4,014 4,710 5,353
Interest 1,164 814 980 1,235 1,337 1,415 1,886 2,317 2,760
2,844 2,399 1,322 1,331 1,627 1,960 2,222 2,635 3,289
Financing Profit -2,453 -1,963 -311 -68 -238 -300 -94 -242 -695
Financing Margin % -158% -157% -16% -3% -9% -10% -2% -5% -13%
42 113 433 235 324 625 670 776 1,022
Depreciation 0 99 93 83 81 69 62 61 0
Profit before tax -2,411 -1,949 30 84 5 256 514 474 326
Tax % 4% 0% 0% 0% 0% 0% -30% -6% 0%
-2,504 -1,949 30 84 5 256 670 501 326
EPS in Rs -637.29 -413.32 5.94 16.62 1.07 50.46 64.02 47.73 30.99
Dividend Payout % -0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 16%
3 Years: 20%
TTM: 14%
Compounded Profit Growth
10 Years: %
5 Years: 29%
3 Years: 8%
TTM: -35%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -8%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 14%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 39 47 51 51 51 55 105 105 105
Reserves 1,490 476 843 926 999 1,472 3,473 4,013 4,328
Deposits 0 4,199 9,652 12,386 13,540 16,334 22,571 29,120 35,784
Borrowing 7,662 4,236 3,049 4,965 4,660 6,547 5,211 3,867 5,497
558 487 550 763 938 1,235 1,350 1,359 1,733
Total Liabilities 9,749 9,446 14,145 19,091 20,189 25,644 32,710 38,464 47,448
385 332 259 211 170 123 139 150 199
CWIP 0 2 1 1 1 5 3 3 0
Investments 1,997 1,468 2,650 4,698 5,065 5,221 6,738 5,945 9,812
7,367 7,644 11,234 14,181 14,952 20,295 25,831 32,366 37,437
Total Assets 9,749 9,446 14,145 19,091 20,189 25,644 32,710 38,464 47,448

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
2,771 949 615 859 -1,137 708 4,073 594
-231 -285 -1,266 -1,330 -434 -780 -321 -4,133
-2,489 -852 1,917 -240 2,104 33 -1,331 1,641
Net Cash Flow 51 -188 1,266 -711 532 -39 2,421 -1,898
Free Cash Flow 2,717 928 573 818 -1,163 631 4,001 472
CFO/OP -241% 140% 53% 78% -101% 40% 197% 29%

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -164% -189% 5% 10% 1% 20% 26% 13% 8%

Insights

In beta
Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Active Customers
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Banking Outlets / Branches
Number
CASA Ratio
%
Gross Loan Portfolio (GLP) / Advances
INR Crores
Gross NPA
%
Net NPA
%
Share of Secured Advances
%
Total Employees
Number

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
22.54% 22.54% 22.38% 22.35% 22.28% 21.88% 21.87% 21.86% 21.85%
1.15% 1.02% 1.09% 0.51% 0.89% 0.28% 1.21% 4.11% 4.31%
17.70% 17.73% 17.99% 18.47% 15.89% 16.03% 14.81% 12.92% 14.29%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.98% 1.98%
58.62% 58.71% 58.53% 58.67% 60.94% 61.81% 62.12% 59.14% 57.57%
No. of Shareholders 72,04249,17851,03352,29752,41253,35151,12951,54650,785

* 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.

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