Jana Small Finance Bank Ltd Stock Price Today (NSE: JSFB)
Fundamental Score
Jana Small Finance Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Jana Small Finance Bank Ltd share price today is ₹395.00, up +0.00% on NSE/BSE as of 17 February 2026. Jana Small Finance Bank Ltd (JSFB) is a Small-cap company in the Other Bank sector with a market capitalisation of ₹4.72K (Cr). The 52-week high for JSFB share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 11.48x, JSFB is currently trading below its industry average P/E of 24.58x. The company has a Return on Equity (ROE) of 13.03% and a debt-to-equity ratio of 8.49.
Jana Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Jana Small Finance Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Jana Small Finance Bank Share Price: A Financial Risk Assessment
In the evolving landscape of small finance banks, a key differentiator observed across the sector is the effectiveness of loan recovery mechanisms, especially in microfinance portfolios. This directly influences asset quality and profitability. This analysis will delve into the financial stability of Jana Small Finance Bank Ltd, focusing on factors influencing its market performance. The current Jana Small Finance Bank share price stands at ₹352.200012. We will assess key metrics like the Price-to-Earnings (PE) ratio and Return on Capital Employed (ROCE) to provide a risk-based perspective on the bank's financial health.
Jana Small Finance Bank's PE ratio of 11.48 suggests a potentially reasonable valuation compared to earnings, but a deeper dive into its profitability and growth prospects is crucial. The Return on Capital Employed (ROCE) of 8.15% indicates the efficiency with which the bank generates profits from its invested capital. An ROCE of 8.15% indicates a moderate return, and in the long run impacts the company's moat because it gives only a limited margin of safety against errors. Improvement in ROCE may be a critical factor to evaluate Jana's sustainable competitive advantage.
Comparing Jana Small Finance Bank Ltd with its peers like
Utkarsh Small Finance Bank Limited, requires careful assessment of management quality. Publicly available information suggests that Utkarsh, for example, has demonstrated strong credit management experience, possibly leading to less volatility in loan portfolios. However, such observations are subject to change. Such comparison is for educational purposes only and no opinions on individual stocks are provided.This financial analysis is part of a comprehensive 80-parameter fundamental audit performed by Sweta Mishra and is based on currently available data. It is intended to provide an observational perspective on the financial stability of Jana Small Finance Bank. This analysis is for informational purposes only and should not be considered investment advice. The financial performance of the bank is subject to various market risks and regulatory changes.
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
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.
Attractive Valuation (P/E: 11.48 vs Industry: 24.58)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
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.
Excellent EPS Growth (48.99% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
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.
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.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Suboptimal ROCE (8.15%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-22.47%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 8.49)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.16x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (21.87%)
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 Financial Statements
Comprehensive financial data for Jana Small Finance Bank Ltd including income statement, balance sheet and cash flow
About JSFB (Jana Small Finance Bank Ltd)
Jana Small Finance Bank Ltd (JSFB) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹4.72K (Cr). Jana Small Finance Bank Ltd has delivered a Return on Equity (ROE) of 13.03% and a ROCE of 8.15%. The debt-to-equity ratio stands at 8.49, reflecting the company's capital structure. Investors tracking JSFB share price can monitor key metrics including P/E ratio, promoter holding of 21.87%, and quarterly earnings growth.
Company Details
Key Leadership
JSFB Share Price: Frequently Asked Questions
What is the current share price of Jana Small Finance Bank Ltd (JSFB)?
As of 17 Feb 2026, 10:14 am IST, Jana Small Finance Bank Ltd share price is ₹395.00. The JSFB stock has a market capitalisation of ₹4.72K (Cr) on NSE/BSE.
Is JSFB share price Overvalued or Undervalued?
JSFB share price is currently trading at a P/E ratio of 11.48x, compared to the industry average of 24.58x. Based on this relative valuation, the Jana Small Finance Bank Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of JSFB share price?
The 52-week high of JSFB share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Jana Small Finance Bank Ltd share price?
Key factors influencing JSFB share price include quarterly earnings growth (Sales Growth: 11.90%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Jana Small Finance Bank Ltd a good stock for long-term investment?
Jana Small Finance Bank Ltd shows a 5-year Profit Growth of 72.35% and an ROE of 13.03%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 8.49 before investing in JSFB shares.
How does Jana Small Finance Bank Ltd compare with its industry peers?
Jana Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare JSFB share price P/E of 11.48x and ROE of 13.03% against the industry averages to determine competitive standing.
What is the P/E ratio of JSFB and what does it mean?
JSFB share price has a P/E ratio of 11.48x compared to the industry average of 24.58x. Investors pay ₹11 for every ₹1 of annual earnings.
How is JSFB performing according to Bull Run's analysis?
JSFB has a Bull Run fundamental score of 45.4/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does JSFB belong to?
JSFB operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Jana Small Finance Bank Ltd share price.
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. ROE measures how efficiently Jana Small Finance Bank Ltd generates profits from shareholders capital.
How is JSFB debt-to-equity ratio and what does it indicate?
JSFB has a debt-to-equity ratio of 8.49, which indicates high leverage that increases financial risk.
What is JSFB dividend yield and is it a good dividend stock?
JSFB offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Jana Small Finance Bank Ltd shares.
How has JSFB share price 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%.
What is the promoter holding in JSFB and why does it matter?
Promoters hold 21.87% of JSFB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Jana Small Finance Bank Ltd.
What is JSFB market capitalisation category?
JSFB has a market capitalisation of ₹4718 crores, placing it in the Small-cap category.
How volatile is JSFB stock?
JSFB has a beta of N/A. A beta > 1 suggests the Jana Small Finance Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is JSFB operating profit margin trend?
JSFB has a 5-year average Operating Profit Margin (OPM) of 42.57%, indicating the company's operational efficiency.
How is JSFB quarterly performance?
Recent quarterly performance shows Jana Small Finance Bank Ltd YoY Sales Growth of 11.90% and YoY Profit Growth of -22.47%.
What is the institutional holding pattern in JSFB?
JSFB has FII holding of 1.21% and DII holding of 14.81%. Significant institutional holding often suggests professional confidence in the Jana Small Finance Bank Ltd stock.