Growth Ratio Summary

Growth Score : 8.00

Jana Small Finance Bank exhibits robust growth, primarily driven by revenue and operating profit improvements. This strong growth in revenue and profits positions the bank favorably for future expansion and increased market share. The weighted average calculation confirms a positive growth trend. The bank's ability to sustain this momentum will be critical for its long-term success.

Financial Ratio Summary

Financial Score : 2.60

The financial ratios for Jana Small Finance Bank reveal a need for improvement in earnings per share, book value per share, and capital expenditures. While the cash earnings per share is adequate, the adjusted earnings per share is low. The weighted average calculation highlights areas for optimization. Enhancing these ratios would strengthen the bank's overall financial health.

Profitability Ratio Summary

Profitability Score : 4.00

Jana Small Finance Bank's profitability ratios present a mixed picture. While the return on capital employed (ROCE) is strong, the gross profit margin, return on equity (ROE), return on assets (ROA), operating margin, and net margin are areas of concern. The weighted average calculation highlights the need for improved profitability management. Enhancing these ratios will contribute to the bank's long-term financial health.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios for Jana Small Finance Bank show mixed results. While the bank demonstrates good performance in managing its sales in inventory and receivable days, its fixed asset and capital turnover ratios indicate areas for improvement. The weighted average calculation highlights the need for better asset utilization. Enhancing these efficiencies would improve the bank's overall operational effectiveness.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios for Jana Small Finance Bank indicate some challenges in meeting its interest and dividend obligations. While the interest coverage ratio is adequate, the equity dividend coverage ratio is low. The weighted average calculation shows that there is a need for improvement. Enhancing these ratios would provide greater financial stability and investor confidence.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency ratios for Jana Small Finance Bank indicate a moderate level of risk. While the bank has a substantial amount of debt, its debt-to-asset ratio is within an acceptable range. The weighted average calculation shows a relatively stable debt structure. However, the equity ratio indicates that the bank has a limited amount of equity compared to its debt. Maintaining a balanced capital structure is crucial for long-term financial health.

Liquidity Ratio Summary

Liquidity Score : 2.00

The liquidity position reveals potential challenges for Jana Small Finance Bank. While maintaining sufficient cash flow is essential, the company needs to improve its ability to meet its short-term obligations. Enhancing current and quick ratios would strengthen its financial resilience. The weighted average calculation highlights the need for better liquidity management. This situation may affect investor confidence and the bank's operational flexibility.