Jana Small Finance Bank
Jana Small Finance Bank Ltd valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Jana Small Finance Bank Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Jana Small Finance Bank Ltd trades at a P/E of 15.52× and P/B of 1.13×, against the Financial Services sector median P/E of 17.67×.
Valuation
Profitability
Growth
Financial Health
Jana Small Finance Bank Ltd financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Jana Small Finance Bank Ltd, switchable between annual and quarterly views, consolidated or standalone.
Jana Small Finance Bank Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹5,023.98 Cr and reported EPS of ₹30.92.
Jana Small Finance Bank segment analysis: revenue and profit mix.
Disclosed business segments at Jana Small Finance Bank with their share of revenue and profit, switchable between consolidated and standalone reporting.
Jana Small Finance Bank discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Jana Small Finance Bank Ltd investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Jana Small Finance Bank Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Jana Small Finance Bank Ltd's investment case rests on 6 positive markers and 6 flagged concerns drawn from the latest reported filings.
What you're getting.
JSFB exhibits a low Price-to-Earnings (PE) ratio of 11.40, suggesting potential undervaluation relative to its earnings. This is complemented by a healthy Return on Equity (ROE) of 13.00%, indicating efficient use of shareholder capital and solid profitability.
The company maintains a robust Operating Profit Margin (OPM) of 40.70%, highlighting strong operational efficiency. Furthermore, it achieved a healthy quarterly sales growth of 11.90%, demonstrating consistent revenue generation and market demand for its services.
JSFB's Price-to-Book Value (P/BV) of 1.09 suggests the market might be undervaluing its assets. This, coupled with a Return on Assets (ROA) of 1.41%, indicates effective asset management and potential for future value appreciation.
As a Small Finance Bank, JSFB operates in a segment with significant growth potential, catering to underserved populations and micro-enterprises. Expanding financial inclusion initiatives could drive substantial demand for its services.
Having listed recently on 2024-02-14, JSFB has an opportunity to increase its market visibility and attract new investors as it establishes a longer track record. Enhanced investor awareness could lead to improved valuation.
What can break it.
JSFB carries a very high debt-to-equity ratio of 8.49, indicating substantial reliance on debt financing. This elevated leverage could expose the company to significant financial risk, especially during periods of rising interest rates or economic downturns.
The company experienced a notable decline in quarterly profit, with a variation of -22.50%. This significant drop raises concerns about short-term operational challenges and the bank's ability to sustain consistent profitability, warranting further investor scrutiny.
Promoter holding in JSFB is relatively low at 21.9%. This lower stake might signal reduced management confidence or commitment, potentially leading to concerns about future strategic direction or the possibility of shareholding dilution for existing investors.
JSFB operates in a highly competitive Small Finance Bank sector, facing established players like AU Small Finance and Ujjivan Small Finance. This intense competition could pressure margins and hinder market share expansion.
As a financial institution, JSFB is subject to stringent regulatory oversight. Any adverse changes in banking policies, capital adequacy norms, or lending regulations could significantly impact its operational flexibility and profitability.
What would change my mind.
Trim if P/E re-rates above 20 (~1.1× the sector multiple of 17.7). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 1.00. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Jana Small Finance Bank Ltd peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Jana Small Finance Bank Ltd is highlighted for quick read-across.
Quick Compare
Peer Comparison
Jana Small Finance Bank Ltd technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Jana Small Finance Bank Ltd — derived from the live tape, not yesterday's close.
Jana Small Finance Bank Ltd last traded at ₹479.75 with an intraday range of ₹463–₹483.25 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹479.75| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 528.17 | +48.42 | +10.09% |
| R3 | 507.92 | +28.17 | +5.87% |
| R2 | 495.58 | +15.83 | +3.30% |
| R1 | 487.67 | +7.92 | +1.65% |
| PIVOT | 475.33 | -4.42 | -0.92% |
| CURRENT | 479.75 | — | — |
| S1 | 426.92 | -52.83 | -11.01% |
| S2 | 447.17 | -32.58 | -6.79% |
| S3 | 455.08 | -24.67 | -5.14% |
| S4 | 467.42 | -12.33 | -2.57% |
JSFB is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 463 ~ 472.9
Trading Above opening range, showing Bullishness
Jana Small Finance Bank Ltd delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Jana Small Finance Bank Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Jana Small Finance Bank Ltd stood at 74.1% of traded volume, against a 20-day average of 56.8%.
Jana Small Finance Bank announcements: results, concalls, ratings, M&A.
Filings Jana Small Finance Bank sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Jana Small Finance Bank files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 169 documents below.
Amendment to AOA/MOA
Jana Small Finance Bank Limited has informed the Exchange regarding the Amendment to AOA/MOA of the company.
Shareholders meeting
Jana Small Finance Bank Limited has informed the Exchange regarding Proceedings of Extraordinary General Meeting held on Jun 11, 2026
Analysts/Institutional Investor Meet/Con. Call Updates
Jana Small Finance Bank Limited has informed the Exchange about Schedule of meet
General Updates
Jana Small Finance Bank Limited has informed the Exchange about General Updates
General Updates
Jana Small Finance Bank Limited has informed the Exchange about General Updates
Investor decks & rating reports.
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Investor Presentation
Credit Rating
Credit Rating
Credit Rating
Credit Rating- Revision
Credit Rating- New
Credit Rating
Jana Small Finance Bank dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Jana Small Finance Bank has declared, sequenced by announce and record date.
Jana Small Finance Bank corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Jana Small Finance Bank Ltd: business, sector, key facts.
What Jana Small Finance Bank Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Jana Small Finance Bank Ltd operates in the Financial Services, listed as NSE: JSFB, BSE: 544118.
Jana Small Finance Bank Limited (JSFB) is an Indian bank offering a diverse range of financial products and services to both individual and corporate clients. Their business model is segmented into four key areas: Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. This comprehensive approach allows them to cater to a broad spectrum of financial needs within the Indian market.
Within the Retail Banking segment, JSFB provides a standard suite of banking services including current and savings accounts, along with various deposit options such as fixed, recurring, and other deposit schemes. A significant portion of their business focuses on lending, offering a variety of loan products tailored to different customer segments. This includes two-wheeler loans, group loans for businesses, gold loans, home improvement loans, agricultural loans (both group and individual), and home loans. They actively engage in consumer education, particularly concerning loan overdue management.
Beyond traditional banking services, JSFB also acts as a financial intermediary, offering insurance products encompassing life, general, and health insurance. They further expand their service offerings to include cards (likely debit and credit cards), investment services, and payment processing solutions. To facilitate ease of access and management of accounts, JSFB provides convenient banking channels such as mobile banking, internet banking, and dedicated corporate internet banking services.
The bank's history traces back to 1999 when it was established as Janalakshmi Financial Services Limited. It underwent a significant transformation in March 2018, rebranding itself as Jana Small Finance Bank Limited, reflecting its evolution into a full-fledged bank. Headquartered in Bengaluru, India, JSFB operates across the country, serving a substantial customer base with its multifaceted financial services.
Questions investors ask about Jana Small Finance Bank Ltd (JSFB).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Jana Small Finance Bank Ltd (JSFB)?
The current share price of Jana Small Finance Bank Ltd (JSFB) is ₹479.75. Today, the stock has gained by ₹16.95 (3.66%), trading in a range of ₹463 to ₹483.25. The stock opened at ₹463 with a trading volume of 7,66,788 shares.
02Is Jana Small Finance Bank Ltd stock a good investment for long-term?
Jana Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹5,023.98 crores, P/E ratio of 15.52, ROE of 7.60%, and ROCE of 8.15%. 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.
03What is the 52-week high and low price of Jana Small Finance Bank Ltd stock?
The 52-week high price of Jana Small Finance Bank Ltd (JSFB) is ₹0, while the 52-week low is ₹0. Currently trading at ₹479.75, the stock is Infinity% away from its 52-week low and -Infinity% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Jana Small Finance Bank Ltd stock at the current price?
Whether to buy Jana Small Finance Bank Ltd stock at ₹479.75 depends on multiple factors. The stock is currently trading with a P/E ratio of 15.52 and P/B ratio of 1.13. Today's performance shows a gain of 3.66%. 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.
05What is the dividend yield of Jana Small Finance Bank Ltd and when is the next dividend?
Jana Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹479.75, 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.
06What are the key financial ratios and metrics of Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 15.52, P/B Ratio: 1.13, ROE: 7.60%, ROCE: 8.15%, Dividend Yield: 0.00%, EPS: ₹30.92, Book Value: ₹424.58, and Debt-to-Equity: 0.00. The company's market cap stands at ₹5,023.98 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Jana Small Finance Bank Ltd stock performing today in the market?
Jana Small Finance Bank Ltd stock opened at ₹463 and is currently trading at ₹479.75, showing a gain of ₹16.95 (3.66%). The intraday high is ₹483.25 and low is ₹463. The trading volume stands at 7,66,788 shares, indicating moderate market participation today.
08What is the P/E ratio of Jana Small Finance Bank Ltd and what does it indicate?
Jana Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 15.52, which means investors are willing to pay ₹15.52 for every ₹1 of earnings. With an EPS of ₹30.92, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Jana Small Finance Bank Ltd (JSFB) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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