Jana Small Finance Bank Ltd Stock Price Today (NSE: JSFB)
Fundamental Score
Jana Small Finance Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Jana Small Finance Bank Ltd share price today is ₹584.85, up +3.82% on NSE/BSE as of 3 August 2026. Jana Small Finance Bank Ltd (JSFB) is a Mid-cap company in the Other Bank sector with a market capitalisation of ₹5.15K (Cr). The 52-week high for JSFB share price is ₹583.95 and the 52-week low is ₹330.00. At a P/E ratio of 13.56x, JSFB is currently trading below its industry average P/E of 18.38x. The company has a Return on Equity (ROE) of 7.63% and a debt-to-equity ratio of 9.31.
Jana Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Jana Small Finance Bank Ltd share price chart: 22.90% return over the past month. 52-week high ₹583.95, 52-week low ₹330.00.
Jana Small Finance Bank Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹564.00 | ₹583.95 | ₹563.00 | ₹575.00 | 8.40L (Cr) | |
| ₹561.80 | ₹580.00 | ₹561.20 | ₹563.35 | 11.04L (Cr) | |
| ₹534.70 | ₹581.00 | ₹527.20 | ₹572.35 | 33.05L (Cr) | |
| ₹539.95 | ₹544.95 | ₹527.85 | ₹531.10 | 4.11L (Cr) | |
| ₹544.00 | ₹559.60 | ₹532.00 | ₹537.25 | 4.28L (Cr) | |
| ₹539.70 | ₹545.00 | ₹525.00 | ₹536.95 | 5.90L (Cr) | |
| ₹535.75 | ₹569.80 | ₹531.60 | ₹561.60 | 30.47L (Cr) | |
| ₹496.70 | ₹536.00 | ₹493.25 | ₹531.60 | 42.30L (Cr) | |
| ₹502.25 | ₹504.55 | ₹487.85 | ₹493.00 | 6.27L (Cr) | |
| ₹502.00 | ₹521.05 | ₹494.15 | ₹497.70 | 63.94L (Cr) |
Jana Small Finance Bank Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹447.70 | ₹583.95 | ₹439.00 | ₹575.00 | +28.43% | |
| ₹500.00 | ₹500.00 | ₹446.65 | ₹468.75 | -6.25% | |
| ₹463.35 | ₹507.00 | ₹429.95 | ₹495.25 | +6.88% | |
| ₹370.00 | ₹501.00 | ₹356.00 | ₹458.15 | +23.82% | |
| ₹356.00 | ₹386.00 | ₹330.00 | ₹360.15 | +1.17% | |
| ₹359.00 | ₹411.80 | ₹338.90 | ₹370.80 | +3.29% | |
| ₹425.30 | ₹439.65 | ₹352.20 | ₹359.65 | -15.44% | |
| ₹452.00 | ₹456.60 | ₹412.30 | ₹425.30 | -5.91% | |
| ₹465.00 | ₹487.90 | ₹443.85 | ₹453.70 | -2.43% | |
| ₹478.30 | ₹490.60 | ₹418.40 | ₹465.70 | -2.63% | |
| ₹494.50 | ₹498.60 | ₹454.00 | ₹478.30 | -3.28% | |
| ₹460.10 | ₹501.95 | ₹453.55 | ₹490.65 | +6.64% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Jana Small Finance Bank is a value trap until they prove they can manage asset quality.
WHAT'S HAPPENING NOW (last 2-4 weeks)
No major catalysts found after live search. Jana Small Finance Bank (JSFB) shares are ~28.5% below their 52-week high of The stock hit an all-time low of on March 23, 2026.
CORE STORY (THE REAL GAME)
- Deposit growth is strong
- Valuation is cheap
- Focus on secured lending
- Better than expected NPA numbers
- Significant earnings beat
- Upgrade from a major brokerage
- Micro/SME focus = liquidity risk
- Plunging profits
- High debt/equity ratio
FII increased their shareholding to 4.11% in the December quarter, compared to 1.21% in September '25. DII decreased their holdings.
RBI is projecting India’s real GDP growth for the current fiscal at 6.9%, but the outlook is vulnerable to risks and uncertainty.
Yes - Free Cash Flow 5Y: ₹4860.13 Cr
Next 3-6 months hinge on NPA management and earnings stabilization. Need to see concrete evidence of turnaround before turning bullish.
Primary Thesis Risk
Asset quality deterioration will crush the stock.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Jana Small Finance Bank Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Jana Small Finance Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of JSFB across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Operating Margins (40.98%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 13.56 vs Industry: 18.38)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (52.29%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (22.08%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (16.47% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (28.81% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹4759.57 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.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Below-Average Return on Equity (7.63%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.45%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 9.31)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.13x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (16.94%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
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.
Jana Small Finance Bank Ltd vs Other Bank Peers
Peer Comparison - Other Bank
Compare Jana Small Finance Bank Ltd with 8 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
48.4/100 | ₹584.85₹585 | ₹5150.12₹5150.12 | 13.56Average 13.6 Average | 7.63%Poor 7.63% Poor | 7.45%Poor 7.45% Poor | 9.31Poor 9.3 Poor | 28.81%Excellent 28.81% Excellent | 16.47%Excellent 16.47% Excellent | 0.00% | |
AU Small Finance Bank LtdAU Small Financ... AUBANK • 540611 | 50.3/100 | ₹1047.30₹1047 | ₹77953.04₹77953.04 | 29.51Average 29.5 Average | 14.32%Average 14.32% Average | 7.66%Poor 7.66% Poor | 8.44Poor 8.4 Poor | 17.66%Excellent 17.66% Excellent | 30.36%Excellent 30.36% Excellent | 0.10% |
Ujjivan Small Finance Bank LtdUjjivan Small F... UJJIVANSFB • 542904 | 55.1/100 | ₹71.75₹72 | ₹12745.17₹12745.17 | 18.38Average 18.4 Average | 10.75%Average 10.75% Average | 7.73%Poor 7.73% Poor | 7.25Poor 7.3 Poor | 193.92%Excellent 193.92% Excellent | 19.82%Excellent 19.82% Excellent | 0.00% |
Equitas Small Finance Bank LimitedEquitas Small F... EQUITASBNK • 543243 | 26.7/100 | ₹75.21₹75 | ₹9135.16₹9135.16 | 88.62Average 88.6 Average | 1.69%Poor 1.69% Poor | 6.44%Poor 6.44% Poor | 8.54Poor 8.5 Poor | -23.14%Poor -23.14% Poor | 16.29%Excellent 16.29% Excellent | 0.00% |
Utkarsh Small Finance Bank LimitedUtkarsh Small F... UTKARSHBNK • 543942 | 19/100 | ₹14.62₹15 | ₹2662.17₹2662.17 | — — | -40.03%Poor -40.03% Poor | 1.46%Poor 1.46% Poor | 8.82Poor 8.8 Poor | — — | 16.40%Excellent 16.40% Excellent | 0.00% |
Suryoday Small Finance Bank LtdSuryoday Small ... SURYODAY • 543279 | 42.4/100 | ₹161.92₹162 | ₹2013.48₹2013.48 | 13.25Average 13.3 Average | 7.59%Poor 7.59% Poor | 7.33%Poor 7.33% Poor | 8.24Poor 8.2 Poor | 66.52%Excellent 66.52% Excellent | 22.72%Excellent 22.72% Excellent | 0.79% |
Esaf Small Finance Bank LtdEsaf Small Fina... ESAFSFB • 544020 | 34.9/100 | ₹42.05₹42 | ₹1851.39₹1851.39 | — — | -8.92%Poor -8.92% Poor | 5.64%Poor 5.64% Poor | 16.07Poor 16.1 Poor | — — | 16.60%Excellent 16.60% Excellent | 0.00% |
Fino Payments Bank LtdFino Payments B... FINOPB • 543386 | 37.8/100 | ₹159.09₹159 | ₹1416.30₹1416.30 | 25.35Average 25.4 Average | 7.37%Poor 7.37% Poor | 4.53%Poor 4.53% Poor | 5.08Poor 5.1 Poor | 21.49%Excellent 21.49% Excellent | 65.07%Excellent 65.07% Excellent | 0.00% |
Capital Small Finance Bank LtdCapital Small F... CAPITALSFB • 544120 | 40.7/100 | ₹291.70₹292 | ₹1351.01₹1351.01 | 9.56Average 9.6 Average | 10.09%Average 10.09% Average | 7.07%Poor 7.07% Poor | 7.20Poor 7.2 Poor | 28.23%Excellent 28.23% Excellent | 15.44%Excellent 15.44% Excellent | 1.69% |
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Jana Small Finance Bank Ltd PE Ratio History
Historical price-to-earnings ratio for JSFB — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹47.67 | ₹425.30 | 8.9x |
| FY 2024 | ₹90.72 | ₹394.95 | 4.4x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Jana Small Finance Bank Ltd Quarterly Performance
Latest quarterly metrics for JSFB — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
22.08%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
52.29%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
16.47%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
28.81%
Compounded annual net profit growth over 5 years
Jana Small Finance Bank Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for JSFB — calculated from daily price history
Momentum is strong — price may be stretched. Watch for pullbacks.
Technical indicators are for educational purposes only. Not investment advice.
Jana Small Finance Bank Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Jana Small Finance Bank Ltd (JSFB) — sourced from NSE/BSE filings.
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About JSFB (Jana Small Finance Bank Ltd)
Jana Small Finance Bank Ltd is a dynamic and customer-centric financial institution dedicated to serving the diverse banking needs of individuals and small businesses across India.... With a focus on financial inclusion, the bank operates through a network of branches and digital channels, offering a comprehensive suite of banking products and services. JSFB strives to empower its customers by providing accessible and affordable financial solutions that support their economic growth and prosperity. The bank distinguishes itself through its deep understanding of local markets and its commitment to building long-term relationships with its customers. JSFB aims to be a trusted partner in their financial journey. The bank's operational structure is strategically organized into distinct segments, each catering to specific customer needs. The Treasury segment oversees the bank's investment portfolio and liquidity management, while the Corporate/Wholesale Banking segment provides financial solutions to larger businesses and institutions. The Retail Banking segment focuses on serving individual customers and small businesses with a range of deposit and lending products. The Other Banking Operations segment encompasses various specialized services and initiatives that contribute to the bank's overall mission of financial inclusion. JSFB is committed to delivering efficient and reliable banking services to all its customers, regardless of their location or economic background. JSFB offers a diverse array of products and services designed to meet the evolving needs of its customers. From basic savings accounts to specialized loan products, the bank strives to provide tailored financial solutions that support their goals. The bank offers various deposit options, including current accounts, savings accounts, fixed deposits, and recurring deposits. JSFB also provides a range of loan products, such as two-wheeler loans, group loans, business loans, gold loans, home improvement loans, agri group and individual loans, and home loans. The bank is committed to educating its customers on responsible borrowing and financial literacy, helping them make informed decisions about their finances.
Company Details
Key Leadership
JSFB Share Price: Frequently Asked Questions
What is the current share price of Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd (JSFB) trades at ₹584.85 on NSE and BSE. Market cap ₹5.15K (Cr). Educational data only.
What is the P/E ratio of Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd has a P/E of 13.56x vs industry average 18.38x.
What is the Bull Run score for Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd has a Bull Run score of 48.4/100 based on 25+ financial parameters.
Does Jana Small Finance Bank Ltd pay dividends?
Jana Small Finance Bank Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd has ROE of 7.63%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Jana Small Finance Bank Ltd?
Jana Small Finance Bank Ltd has debt-to-equity of 9.31.
Is Jana Small Finance Bank Ltd a good investment?
Bull Run gives Jana Small Finance Bank Ltd a score of 48.4/100. This is not investment advice — consult a SEBI-registered advisor.