Jio Financial Services Ltd

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Jio Financial Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Jio Financial Services Ltd

₹ 220 -2.86%
28 Sep 3:59 p.m.
jfs.in BSE: 543940 NSE: JIOFIN F&O
About

JFSL was originally incorporated as Reliance Strategic Investments Private Limited in July, 1999 under the Companies Act 1956. Jio Financial Services Limited was incorporated in July, 23. JFSL is a NBFC-ND-SI registered with RBI. The company is a holding company and will operate its financial services business through its consumer-facing subsidiaries namely Jio Finance Limited (JFL), Jio Insurance Broking Limited (JIBL), and Jio Payment Solutions Limited (JPSL) and joint venture namely Jio Payments Bank Limited (JPBL).[1]

Key Points

Overview

The financial services business Reliance Industries Ltd got demerged into Jio Financial Services. [1] [2]
In July,24, the company received the final approval from the RBI to become a Core Investment Company - Non-Deposit taking - Systemically important Company from an NBFC. [3]

Website BSE NSE F&O
  • Market Cap ₹ 1,45,599 Cr.
  • Current Price ₹ 220
  • High / Low ₹ 317 / 219
  • Stock P/E 70.5
  • Book Value ₹ 211
  • Dividend Yield 0.27 %
  • ROCE 1.86 %
  • ROE 1.19 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.05 times its book value
  • Company is expected to give good quarter
  • Promoter holding has increased by 2.01% over last quarter.

Cons

  • Company has a low return on equity of 1.23% over last 3 years.

* 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 Finance Investment Company

Part of Nifty 50 BSE 500 BSE 100 BSE 200 BSE Dollex 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
414 608 414 418 418 694 438 493 612 981 901 1,019 2,004
38 66 94 98 74 140 125 155 156 293 346 414 607
Operating Profit 376 542 320 320 344 553 313 338 457 688 555 605 1,397
OPM % 91% 89% 77% 77% 82% 80% 71% 69% 75% 70% 62% 59% 70%
67 218 67 78 62 226 70 71 67 238 36 40 0
Interest 10 0 0 0 0 0 0 8 99 136 212 298 418
Depreciation 5 5 5 5 5 6 6 6 6 8 8 8 9
Profit before tax 427 754 381 393 400 773 377 396 419 783 371 339 970
Tax % 22% 11% 23% 21% 22% 11% 22% 20% 23% 11% 28% 20% 14%
332 668 294 311 313 689 295 316 325 695 269 272 830
EPS in Rs 1.05 0.46 0.49 0.49 1.08 0.46 0.50 0.51 1.09 0.42 0.43 1.26
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
45 1,855 2,043 3,521 4,905
6 296 495 1,208 1,660
Operating Profit 39 1,559 1,549 2,312 3,245
OPM % 88% 84% 76% 66% 66%
10 429 428 374 314
Interest 0 10 8 745 1,065
Depreciation 0 22 23 29 33
Profit before tax 49 1,956 1,947 1,912 2,462
Tax % 37% 18% 17% 18%
31 1,605 1,613 1,561 2,066
EPS in Rs 2.53 2.54 2.46 3.20
Dividend Payout % 0% 0% 20% 24%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 328%
TTM: 119%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 293%
TTM: 29%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -2%
1 Year: -25%
Return on Equity
10 Years: %
5 Years: %
3 Years: 1%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 2 6,353 6,353 6,353
Reserves 114,118 132,794 117,143 127,500
743 0 3,970 21,768
66 5,715 6,033 7,845
Total Liabilities 114,930 144,863 133,500 163,467
158 172 180 326
CWIP 38 3 14 105
Investments 108,141 133,292 118,910 133,089
6,593 11,395 14,395 29,947
Total Assets 114,930 144,863 133,500 163,467

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Mar 2024 Mar 2025 Mar 2026
2,055 -678 -10,089 -15,439
-1,110 1,441 6,406 -5,652
-889 -753 3,968 21,454
Net Cash Flow 56 11 285 363
Free Cash Flow 2,055 -678 -10,089 -15,439
CFO/OP 5,231% -22% -633% -656%

Ratios

Consolidated / View Standalone

Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 113 3 3 6
Inventory Days
Days Payable
Cash Conversion Cycle 113 3 3 6
Working Capital Days 3,644 21 -37 -112
ROCE % 2% 1% 2%

Insights

In beta
Mar 2024 Mar 2025 Mar 2026
Jio Insurance Broking Premium Facilitated
Rs. Cr ・Standalone data

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Jio Payment Solutions TPV
Rs. Cr ・Standalone data
Jio Payments Bank Deposits
Rs. Cr ・Standalone data
NBFC AUM (Jio Credit)
Rs. Cr ・Standalone data
Unique Users across all Digital Properties
million ・Standalone data
Jio Payments Bank CASA Customers
million ・Standalone data

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
46.77% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 47.12% 49.13%
21.58% 19.83% 19.45% 17.55% 16.88% 15.62% 11.66% 12.30% 11.85% 11.55% 12.31% 11.27%
13.64% 12.99% 12.50% 11.79% 11.39% 12.46% 14.21% 14.68% 14.78% 15.36% 14.26% 13.27%
0.13% 0.14% 0.14% 0.15% 0.15% 0.17% 0.17% 0.18% 0.18% 0.18% 0.18% 0.18%
17.86% 19.92% 20.77% 23.39% 24.46% 24.61% 26.83% 25.70% 26.07% 25.77% 26.11% 26.15%
No. of Shareholders 39,83,14440,83,12943,99,04148,02,85148,60,79549,78,98452,59,48351,18,34650,73,44249,61,99749,44,25649,65,496

* 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

Concalls