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Jio Financial Services
Large Cap•1,000 Employees•IPO 2023
Current Price
₹243.26
5.07 (2.13%)Updated
Valuation vs Sector
P/E Ratio
93.54vs 17.08
P/B Ratio
1.12vs 2.07
Div Yield
0.00%vs 0.62%
Today's Range
240.2
₹243.26
243.42
52 Week Range
52W Low₹223.30
52W High₹338.60
₹243.26
Downside8.94%
Upside39.19%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹1,66,674.67 Cr
Market Cap
Total market value of companyP/E Ratio
103.94
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.38
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹2.53
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
0.78%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
1.47%
ROCE
Return on Capital Employed. >15% is goodNet Margin
72.32%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
47.66%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
33.28%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
41.50%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
0.87%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.03
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹194.39
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
47.10%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Jio Financial Services demonstrates robust quarterly sales growth of 41.50%, reaching ₹981 crore. This indicates strong market demand and potential for sustained revenue expansion, reflecting a positive growth trajectory.
- •The company maintains a high operating profit margin of 71.10%, suggesting strong operational efficiency. This provides a solid foundation for profitability and potential for future earnings improvement through strategic cost management.
Weaknesses
5 points- •The company's high Price-to-Earnings (P/E) ratio of 122.00 suggests it might be overvalued compared to its current earnings, especially when compared to some industry peers. This warrants careful valuation assessment.
- •A low Return on Equity (ROE) of 1.23% indicates that the company is not efficiently generating profits from shareholder investments. This metric is significantly below industry benchmarks and needs improvement.
Opportunities
3 points- •Operating in the dynamic Financial Services sector, Jio Financial Services is well-positioned to capitalize on India's economic growth, increasing financial inclusion, and rising demand for diverse financial products.
- •Leveraging its strong brand and market presence, the company has an opportunity to expand into new financial product categories or underserved markets, driving further revenue and profit growth.
Threats
5 points- •The financial services sector is highly competitive, with numerous established players. Intense competition could pressure margins and market share, impacting Jio Financial Services' long-term profitability.
- •Changes in financial regulations or government policies could significantly impact the company's operations, compliance costs, and business model, posing a potential risk to its profitability and growth.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
Anuradha Sethuraman | 21 Apr 2025 | 25 Apr 2025 | 1.80 L | 20,000 | ₹249 | BUY |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹250.83 | +₹7.57 | +3.11% |
| R3 | ₹247.61 | +₹4.35 | +1.79% |
| R2 | ₹245.51 | +₹2.25 | +0.93% |
| R1 | ₹244.39 | +₹1.13 | +0.46% |
| PIVOT | ₹242.29 | -0.97 | -0.40% |
| CURRENT | ₹243.26 | - | - |
| S1 | ₹234.73 | -₹8.53 | -3.51% |
| S2 | ₹237.95 | -₹5.31 | -2.18% |
| S3 | ₹239.07 | -₹4.19 | -1.72% |
| S4 | ₹241.17 | -₹2.09 | -0.86% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-20.8% vs avg
13.52M
(22 May 2026)Delivery %-2.9% vs avg
36.6%
(22 May 2026)Avg Volume (20D)20-day average
17.07M
(24 Apr - 22 May)Avg Delivery %Trend ↓
39.5%
(24 Apr - 22 May)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finserv Ltd
3.27L ₹ Cr
Best Profit Growth
Bajaj Finserv Ltd
30.50 %
Highest Dividend Yield
L&T Finance Ltd
0.92 %
Peer Comparison
| Company Name |
|---|
 Aditya Birla Capital Ltd |
 Bajaj Finserv Ltd |
 L&T Finance Ltd |
 U. Y. Fincorp Ltd |
About
Jio Financial Services Ltd
Jio Financial Services Limited (JFSL) is a multifaceted financial services company operating primarily within India. Its core business revolves around providing a diverse range of financial products and services to both individual consumers and businesses, leveraging technology to deliver a comprehensive and integrated digital experience.
A significant aspect of JFSL's operations is its investment and financing activities. This includes consumer lending, catering to individual borrowing needs, and corporate and MSME (Micro, Small, and Medium Enterprises) lending, supporting the growth of businesses of varying sizes. The company also offers asset management services, helping clients manage their investments effectively.
JFSL's digital banking platform, JioFinance App, plays a central role in its strategy. This app acts as a one-stop shop for various financial transactions, including UPI (Unified Payments Interface) transactions, bill payments, and insurance advisory services. It also provides access to traditional banking services such as savings accounts, debit cards, current accounts, and digital wallets, enhancing customer convenience and accessibility.
Further expanding its reach, JFSL is involved in insurance broking, facilitating the distribution of life, non-life, and health insurance products to its customer base. It also functions as a payment bank and payment aggregator, processing transactions and facilitating seamless digital payments. The company utilizes a Device-as-a-Service model, offering operating lease solutions for devices to both consumers and businesses.
In summary, Jio Financial Services Limited's business model is built upon a foundation of integrated financial services, delivered through a technologically advanced digital platform. This multi-pronged approach allows the company to cater to a broad spectrum of financial needs across different customer segments within the Indian market.
COMPANY FACTS - JIOFIN
Registered Address
1st floor, Building 4NA, Maker Maxity, Bandra Kurla Complex, Bandra-East
Mumbai
MAHARASHTRA
IN
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 1,000
IPO Date: 21/08/2023
MANAGEMENT - JIOFIN
Shri. Kundapur Kamath
Non-Executive Independent Chairman of the Board
Shri. Hitesh Sethia
Chief Executive Officer, Managing Director, Executive Director
Shri. Abhishek Pathak
Group Chief Financial Officer
Ms. Mohana V
Group Company Secretary and Compliance Officer
Shri. Srinidhi Anantharaman
Chief Risk Officer
Ms. Isha Ambani
Non-Executive Director
Mr. Anshuman Thakur
Non-Executive Director
Shri. Rajiv Mehrishi
Non-Executive Independent Director
Shri. Sunil Mehta
Non-Executive Independent Director
Shri. Bimal Tanna
Non-Executive Independent Director
Ms. Rama Vedashree
Non-Executive Independent Director
Investor Questions Answered
Jio Financial Services Ltd (JIOFIN) Stock FAQs
Get answers to the most common questions about Jio Financial Services Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Jio Financial Services Ltd (JIOFIN) is ₹243.26. Today, the stock has gained by ₹5.07 (2.13%), trading in a range of ₹240.2 to ₹243.42. The stock opened at ₹241 with a trading volume of 34,64,119 shares.
Jio Financial Services Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,66,674.67 crores, P/E ratio of 103.94, ROE of 0.78%, and ROCE of 1.47%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Jio Financial Services Ltd (JIOFIN) is ₹338.6, while the 52-week low is ₹223.3. Currently trading at ₹243.26, the stock is 17.3% away from its 52-week low and 28.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Jio Financial Services Ltd stock at ₹243.26 depends on multiple factors. The stock is currently trading with a P/E ratio of 103.94 and P/B ratio of N/A. Today's performance shows a gain of 2.13%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Jio Financial Services Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹243.26, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Jio Financial Services Ltd's key financial metrics include: P/E Ratio: 103.94, P/B Ratio: N/A, ROE: 0.78%, ROCE: 1.47%, Dividend Yield: 0.00%, EPS: ₹2.53, Book Value: ₹194.39, Debt-to-Equity: 0.03, and Current Ratio: N/A. The company's market cap stands at ₹1,66,674.67 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Jio Financial Services Ltd stock opened at ₹241 and is currently trading at ₹243.26, showing a gain of ₹5.07 (2.13%). The intraday high is ₹243.42 and low is ₹240.2. The trading volume stands at 34,64,119 shares, indicating strong market participation today.
Jio Financial Services Ltd has a Price-to-Earnings (P/E) ratio of 103.94, which means investors are willing to pay ₹103.94 for every ₹1 of earnings. With an EPS of ₹2.53, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Jio Financial Services Ltd has a market capitalization of ₹1,66,674.67 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹243.26) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Jio Financial Services Ltd has a book value of ₹194.39 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹243.26, which is 25.1% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Jio Financial Services Ltd has a Return on Equity (ROE) of 0.78% and Return on Capital Employed (ROCE) of 1.47%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Jio Financial Services Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Jio Financial Services Ltd has a debt-to-equity ratio of 0.03, which measures the company's financial leverage by comparing total debt to shareholders' equity. A low ratio suggests conservative financing with minimal debt. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Jio Financial Services Ltd has an Earnings Per Share (EPS) of ₹2.53, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹243.26 and P/E ratio of 103.94, investors are paying 103.94 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Jio Financial Services Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Jio Financial Services Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Jio Financial Services Ltd stock, consider: 1) Fundamental Analysis - Review P/E (103.94), ROE (0.78%), debt-to-equity (0.03), and growth rates. 2) Technical Analysis - Check 52-week range (₹223.30 - ₹338.60), moving averages, and chart patterns. 3) Valuation - Compare current price (₹243.26) with book value (₹194.39) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Jio Financial Services Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹243.26 is 2333x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Jio Financial Services Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹223.30 - ₹338.60). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.03 indicates leverage. 4) Liquidity Risk - Based on trading volume of 34,64,119 shares. 5) Valuation Risk - P/E of 103.94 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Jio Financial Services Ltd operates in the industry with key metrics: P/E ratio of 103.94, ROE of 0.78%, market cap of ₹1,66,674.67 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.03), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Jio Financial Services Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹243.26, with a 52-week range of ₹223.30 to ₹338.60. Based on fundamentals like P/E (103.94), ROE (0.78%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Jio Financial Services Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹243.26. 2) Fundamental Deterioration - Declining ROE (currently 0.78%), increasing debt (D/E: 0.03), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Jio Financial Services Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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