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Jana Small Finance Bank Limited
Fundamental Score
Jana Small Finance Bank Limited Share Price & Market Analysis
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of JSFB across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (42.57%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 11.44 vs Industry: 17.28)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Consistent Growth Track Record (18.79% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (48.99% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (72.35% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Strong Cash Generation (₹4860.13 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
8 factors identified
Suboptimal ROCE (8.15%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-40.24%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Elevated Debt Levels (D/E: 8.01)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.17x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Low Promoter Commitment (21.88%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment and long-term vision alignment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for Jana Small Finance Bank Limited
About JSFB
Company Details
Market Information
Performance
JSFB Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of JSFB?
JSFB is currently trading at ₹471.10 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of JSFB shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of JSFB and what does it mean?
JSFB has a P/E ratio of 11.44x compared to the industry average of 17.28x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹11 for every ₹1 of annual earnings. This is lower than the industry average, which might indicate undervaluation or slower growth expectations.
How is JSFB performing according to Bull Run's analysis?
JSFB has a Bull Run fundamental score of 40.8/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 13.03%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does JSFB belong to?
JSFB operates in the Banks industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting Jana Small Finance Bank Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
What is Return on Equity (ROE) and why is it important for JSFB?
JSFB has an ROE of 13.03%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Jana Small Finance Bank Limited generates profits from shareholders' equity. An ROE of 13% means the company generates ₹13 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is JSFB's debt-to-equity ratio and what does it indicate?
JSFB has a debt-to-equity ratio of 8.01, which indicates high leverage that increases financial risk. This means the company has ₹801 of debt for every ₹100 of equity. Higher leverage can amplify returns during good times but increases bankruptcy risk during downturns.
What is JSFB's dividend yield and is it a good dividend stock?
JSFB offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
How has JSFB grown over the past 5 years?
JSFB has achieved 5-year growth rates of: Sales Growth 18.79%, Profit Growth 72.35%, and EPS Growth 48.99%. This consistent double-digit growth indicates a strong business model and competitive positioning. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
What is the promoter holding in JSFB and why does it matter?
Promoters hold 21.88% of JSFB shares, with 0.00% of promoter shares pledged. This promoter holding level suggests balanced ownership between management and public shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: -0.40%.
How does JSFB compare with its industry peers?
JSFB trades at P/E 11.44x vs industry average 17.28x, with ROE of 13.03% and ROCE of 8.15%. The stock appears undervalued relative to peers based on P/E ratio. Peer comparison helps identify whether JSFB is outperforming its competitive set in profitability, growth, and valuation metrics.
What is JSFB's market capitalization and what category does it fall into?
JSFB has a market capitalization of ₹4952 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for JSFB?
Key ratios for JSFB: ROE 13.03% (Good), ROCE 8.15%, P/E 11.44x, Debt-to-Equity 8.01, Interest Coverage 1.17x. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is JSFB stock and what is its beta?
JSFB has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for JSFB?
JSFB has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹471.10, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in JSFB?
Key risks for JSFB include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 8.01), and operational challenges. The stock has a Fundamental Score of 40.8/100, indicating higher risk requiring thorough due diligence. Sector-specific risks in Banks include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is JSFB's operating profit margin and how has it trended?
JSFB has a 5-year average Operating Profit Margin (OPM) of 42.57%, which is excellent and indicates strong pricing power and cost control. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. This strong margin indicates competitive advantages and operational leverage. Compare with industry peers to understand relative performance.
How is JSFB's quarterly performance in terms of sales and profit growth?
JSFB's recent quarterly performance shows YoY Sales Growth of 7.12% and YoY Profit Growth of -40.24%. Growth rates indicate the current business trajectory and market demand. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in JSFB?
JSFB has FII holding of 0.28% and DII holding of 16.03%, totaling 16.31% institutional ownership. This institutional participation level shows the confidence of professional money managers. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.