Jio Financial Services Limited
Fundamental Score
Jio Financial Services Limited Share Price Live NSE/BSE
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 JIOFIN across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Revenue Growth (41.51%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Conservative Debt Levels (D/E: 0.08)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns and flexibility for growth investments.
Strong Interest Coverage (9.03x)
Observation: Earnings comfortably cover interest obligations.
Analysis: Interest coverage >5x indicates low financial distress risk and strong debt servicing capability.
Strong Institutional Confidence (FII+DII: 26.63%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
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
6 factors identified
Below-Average Return on Equity (1.23%)
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 (1.47%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Premium Valuation Risk (P/E: 120.35x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations. Consider entry timing carefully.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Very High P/E Ratio
Observation: Significant overvaluation risk present.
Analysis: Extremely high P/E ratios indicate potential bubble territory and high downside risk.
Financial Statements
Comprehensive financial data for Jio Financial Services Limited
About JIOFIN
Business Overview
Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India. The company provides loans, savings accounts, recharges, digital insurance, financial tracking, management tools, digital banking, unified payments interface transactions, bill payments, and insurance advisory; and asset and wealth management, and broking services, as well as operating lease solutions to consumers and businesses through a Device-as-a-Service model. It also provides insurance broking services, such as car, bike, health, term, investment, SMEs, MSMEs, property, cyber risk, commercial lines, corporate, and education. In addition, it offers digital banking services, including zero balance, savings, salary, wallet, and online and offline payment solutions; debit cards; payment systems, including aadhaar enabled payment and domestic money transfer; digital payment solutions. Further, it provides home loan; home loan against balance transfer; loan against property, mutual funds, and shares; solar financing; corporate loans and lease; and distribution of life, non-life, and health insurance products. The company was formerly known as Reliance Strategic Investments Limited and changed its name to Jio Financial Services Limited in July 2023. Jio Financial Services Limited was incorporated in 1999 and is based in Mumbai, India.
Company Details
Key Leadership
Corporate Events
Latest News
JIOFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Jio Financial Services Limited (JIOFIN)?
As of 29 Jan 2026, 10:38 am IST, Jio Financial Services Limited (JIOFIN) is currently trading at ₹254.50. The stock has a market capitalization of ₹1.94L (Cr).
Is JIOFIN share price Overvalued or Undervalued?
JIOFIN is currently trading at a P/E ratio of 120.35x, compared to the industry average of 31.61x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Jio Financial Services Limited share price?
Key factors influencing JIOFIN's price include its quarterly earnings growth (Sales Growth: 41.51%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Jio Financial Services Limited a good stock for long-term investment?
Jio Financial Services Limited shows a 5-year Profit Growth of N/A% and an ROE of 1.23%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.08 before investing.
How does Jio Financial Services Limited compare with its industry peers?
Jio Financial Services Limited competes with major peers in the Investment Company. Investors should compare JIOFIN's P/E of 120.35x and ROE of 1.23% against the industry averages to determine its competitive standing.
What is the P/E ratio of JIOFIN and what does it mean?
JIOFIN has a P/E ratio of 120.35x compared to the industry average of 31.61x. 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 ₹120 for every ₹1 of annual earnings.
How is JIOFIN performing according to Bull Run's analysis?
JIOFIN has a Bull Run fundamental score of 40.3/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does JIOFIN belong to?
JIOFIN operates in the Investment Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Jio Financial Services Limited.
What is Return on Equity (ROE) and why is it important for JIOFIN?
JIOFIN has an ROE of 1.23%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Jio Financial Services Limited generates profits from shareholders' equity.
How is JIOFIN's debt-to-equity ratio and what does it indicate?
JIOFIN has a debt-to-equity ratio of 0.08, which indicates conservative financing with low financial risk. A ratio below 1.0 generally indicates conservative financing.
What is JIOFIN's dividend yield and is it a good dividend stock?
JIOFIN offers a dividend yield of 0.16%, which means you receive ₹0.16 annual dividend for every ₹100 invested.
How has JIOFIN grown over the past 5 years?
JIOFIN has achieved 5-year growth rates of: Sales Growth N/A%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in JIOFIN and why does it matter?
Promoters hold 47.12% of JIOFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is JIOFIN's market capitalization category?
JIOFIN has a market capitalization of ₹193585 crores, placing it in the Large-cap category.
How volatile is JIOFIN stock?
JIOFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for JIOFIN?
JIOFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is JIOFIN's operating profit margin trend?
JIOFIN has a 5-year average Operating Profit Margin (OPM) of N/A%, indicating the company's operational efficiency.
How is JIOFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 41.51% and YoY Profit Growth of 0.87%.
What is the institutional holding pattern in JIOFIN?
JIOFIN has FII holding of 11.85% and DII holding of 14.78%. Significant institutional holding often suggests professional confidence in the stock.