Jana Small Finance Bank Ltd
Incorporated in July 2006, Jana Small Finance Bank Limited is a NBFC primarily engaged in providing MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans.[1]
- Market Cap ₹ 6,279 Cr.
- Current Price ₹ 600
- High / Low ₹ 600 / 365
- Stock P/E 9.38
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.83 %
- ROE 43.8 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 18.6% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Promoter holding is low: 22.5%
- Earnings include an other income of Rs.671 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
Sector: Banks Industry: Banks - Private Sector
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Revenue | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,013 |
Interest | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 |
2,399 | 1,322 | 1,331 | 1,627 | 1,960 | 2,284 | |
Financing Profit | -1,963 | -311 | -68 | -238 | -300 | -157 |
Financing Margin % | -157% | -16% | -3% | -9% | -10% | -4% |
113 | 433 | 235 | 324 | 625 | 671 | |
Depreciation | 99 | 93 | 83 | 81 | 69 | 0 |
Profit before tax | -1,949 | 30 | 84 | 5 | 256 | 514 |
Tax % | 0% | 0% | 0% | 0% | 0% | -30% |
-1,949 | 30 | 84 | 5 | 256 | 670 | |
EPS in Rs | -413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 26% |
3 Years: | 17% |
TTM: | 31% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 19% |
3 Years: | 94% |
TTM: | 161% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 19% |
3 Years: | 24% |
Last Year: | 44% |
Balance Sheet
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Equity Capital | 47 | 51 | 51 | 51 | 55 | |
Reserves | 476 | 843 | 926 | 999 | 1,472 | |
Preference Capital | 150 | 150 | 150 | 150 | 270 | |
8,285 | 12,551 | 17,201 | 18,046 | 22,611 | ||
637 | 700 | 913 | 1,092 | 1,505 | ||
Total Liabilities | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | |
332 | 259 | 211 | 170 | 123 | ||
CWIP | 2 | 1 | 1 | 1 | 5 | |
Investments | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | |
7,644 | 11,234 | 14,181 | 14,952 | 20,295 | ||
Total Assets | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 |
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% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 1d
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
1d - Newspaper publication regarding financial results for the quarter and year ended 31st March 2024
-
Announcement under Regulation 30 (LODR)-Investor Presentation
2d - Investor presentation regarding financial results for the quarter and year ended 31st March 2024
- Financial Results For The Quarter End And Year End 31-March-2024 2d
- Announcement under Regulation 30 (LODR)-Press Release / Media Release 2d
Concalls
-
Apr 2024TranscriptNotesPPT
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Mar 2024Transcript PPT
Leading Small Finance Bank[1] Jana Small Finance Bank is the fourth largest Small Finance Bank in terms of AUM and deposit size ending September 2023.