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Banking And Finance | Small Cap
Health Score : 4.35Jana Small Finance Bank demonstrates a mixed financial performance. The bank exhibits strong growth trends, particularly in revenue, operating profit, and earnings per share. Its efficiency ratios are also noteworthy. However, the bank faces challenges in liquidity, solvency, and profitability. The bank's coverage ratios are also an area of concern. The financial ratios indicate some difficulties, but the return on capital employed provides a positive outlook. Overall, Jana Small Finance Bank shows potential for growth but needs to address its liquidity, solvency, and profitability issues to ensure long-term financial stability.
Health Score : 4.35Jana Small Finance Bank demonstrates a mixed financial performance. The bank exhibits strong growth trends, particularly in revenue, operating profit, and earnings per share. Its efficiency ratios are also noteworthy. However, the bank faces challenges in liquidity, solvency, and profitability. The bank's coverage ratios are also an area of concern. The financial ratios indicate some difficulties, but the return on capital employed provides a positive outlook. Overall, Jana Small Finance Bank shows potential for growth but needs to address its liquidity, solvency, and profitability issues to ensure long-term financial stability.
Overall Valuation Score
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Markets Today NSE
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Avg Price
0.00
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
17.10
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
17.10
P/B RATIO
1.26
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
1.06
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
2.82
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹529.8 as on Sep 1, 2026.
Growth Score : 8.00Jana 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.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellent
Net Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 9.17 | 12.76 | 30.54 | 17.34 | 13.65 |
| Operating Profit Growth Rate | -250 | -26.05 | 68.67 | -157.45 | -187.19 |
| Earnings Per Share (EPS) Growth | -93.56 | 4615.89 | 26.87 | -25.45 | -35.07 |
| Asset Growth Rate | 5.75 | 27.02 | 27.55 | 17.59 | 23.36 |
| Net Income Growth Rate | -94.05 | 5020 | 161.72 | -25.22 | -34.93 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Fino Payments Bank Ltd | 6.41 | 21.66 | Neutral | -1268.00 | 6.30 | 52.00 |
| 2 | Muthoot Microfin Ltd | 5.52 | 19.64 | Neutral | 241.00 | 9.99 | 170.00 |
| 3 | Equitas Small Finance Bank Ltd | 5.30 | 81.58 | Undervalued | -945.00 | 0.90 | 103.00 |
| 4 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 5 | Jana Small Finance Bank Ltd | 4.35 | 17.10 | Neutral | -695.00 | 30.99 | 326.00 |
| 6 | Utkarsh Small Finance Bank Ltd | 4.19 | -2.30 | Neutral | -1938.00 | -6.47 | -1151.00 |
| 7 | Fusion Finance Ltd | 3.63 | 226.34 | Neutral | -87.00 | 0.85 | 14.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤29th Apr 26
Audited Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
No Stock News Available at This Moment.
Jana Small Finance Bank Ltd. is a scheduled commercial bank serving underserved segments in India. It offers a diverse portfolio of loan products, including microfinance, MSME, affordable housing, and vehicle loans, alongside a range of deposit products, driving financial inclusion across various regions.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Jana Small Finance Bank Ltd's P/E ratio (TTM) is 17.10, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Jana Small Finance Bank Ltd's P/B ratio is 1.26, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Jana Small Finance Bank Ltd's P/S ratio is 1.06, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Jana Small Finance Bank Ltd's PEG ratio is 0.65.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Jana Small Finance Bank Ltd's EV/EBITDA ratio is 2.82.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Jana Small Finance Bank Ltd's ROE is 7.35%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Jana Small Finance Bank Ltd's ROA is -1.46%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Jana Small Finance Bank Ltd's ROCE is 69.61%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Jana Small Finance Bank Ltd's operating margin is -12.98%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Jana Small Finance Bank Ltd's net margin is 6.09%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Jana Small Finance Bank Ltd's current ratio is 21.60.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Jana Small Finance Bank Ltd's debt-to-equity ratio is 8.09.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Jana Small Finance Bank Ltd's interest coverage ratio is 1.12.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Jana Small Finance Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Jana Small Finance Bank Ltd's EPS is -35.07.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹529.80. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2006 (as Janalakshmi Financial Services Limited)
Headquarters: Bengaluru, Karnataka
Core Offerings: Microfinance Loans, MSME Loans, Affordable Housing Loans, Vehicle Loans, Deposits
Stock Listing: NSE (JSFB), BSE (544118)
Promoter: Jana Capital Limited and Jana Holdings Limited
Jana Small Finance Bank originated in 2006 as Janalakshmi Financial Services Limited, operating as a leading microfinance institution. In 2015, it received in-principle approval from the RBI to convert to a Small Finance Bank (SFB), commencing operations as Jana Small Finance Bank in 2018. The bank successfully completed its Initial Public Offering (IPO) and listed on Indian stock exchanges in February 2024.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Group Loans (Microfinance) | 30.5% (of GLP) | Operating Profit |
| Individual & MSME Loans | 26.5% (of GLP) | Operating Profit |
| Affordable Housing Loans | 19.3% (of GLP) | Operating Profit |
| Two-wheeler & Gold Loans | 13.5% (of GLP) | Operating Profit |
Group Loans (Microfinance): Focuses on small-ticket credit to women borrowers through a joint liability group model, primarily in rural and semi-urban areas.
Individual & MSME Loans: Provides secured and unsecured loans to micro, small, and medium enterprises, and individuals for business or personal needs.
Affordable Housing Loans: Offers home loans to individuals, especially those in low-income and middle-income groups for purchasing or constructing homes.
Vehicle & Gold Loans: Provides financing for two-wheelers and offers loans against gold jewellery, catering to immediate liquidity needs.
Mr. R. Gopalan (Part-time Chairman): An independent director and former Secretary, Department of Economic Affairs, Ministry of Finance, bringing extensive experience in policy and financial sector governance. Mr. Ajay Kanwal (MD & CEO): A seasoned banker with over 30 years of experience, having held leadership positions in major international banks like Standard Chartered, driving the bank's growth strategy.
No major subsidiaries reported.
Initial Public Offering (IPO) in February 2024, listing on NSE and BSE.
The Jana Small Finance Bank Ltd share price today is ₹529.80 on NSE (JSFB), as of 28 Sept 2026.
As of 28 Sept 2026, Jana Small Finance Bank Ltd share price is ₹529.80, with previous close ₹529.80. Today's range is ₹529.80 to ₹529.80. The 52-week range is ₹330 to ₹606.95.
As of today, Jana Small Finance Bank Ltd's market cap is ₹5,700.65 crore (Mid Cap).
Jana Small Finance Bank Ltd's current P/E ratio is 17.10, compared to the BANKING AND FINANCE sector average of 17.50.
Jana Small Finance Bank Ltd's current P/B ratio is 1.26.
Jana Small Finance Bank Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Jana Small Finance Bank Ltd's EPS (TTM) is ₹-35.07.
Jana Small Finance Bank Ltd. is a scheduled commercial bank serving underserved segments in India. It offers a diverse portfolio of loan products, including microfinance, MSME, affordable housing, and vehicle loans, alongside a range of deposit products, driving financial inclusion across various regions.
Jana Small Finance Bank Ltd is promoted by Jana Capital Limited and Jana Holdings Limited, holding 21.85% as of 28 Sept 2026.
Jana Small Finance Bank Ltd is listed on NSE (JSFB) and BSE (544118). Its next quarterly results are expected on July/August 2024.
Cash Earnings Per Share (Cash EPS)