JANA SMALL FINANCE BANK LIMITED
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was founded in 1999 and is headquartered in Bengaluru, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 15.0%
Concerns1
- Other income is 130.4% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 8 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ4.71 K Cr | β | βΉ501.00 Cr | β | β | β | 17.3% | -25.2% |
| Mar 2024 | βΉ4.01 K Cr | β | βΉ670.00 Cr | β | β | β | 30.5% | 161.7% |
| Mar 2023 | βΉ3.08 K Cr | β | βΉ256.00 Cr | β | β | β | 12.8% | 5020.0% |
| Mar 2022 | βΉ2.73 K Cr | β | βΉ5.00 Cr | β | β | β | 9.2% | -94.0% |
| Mar 2021 | βΉ2.50 K Cr | β | βΉ84.00 Cr | β | β | β | 25.4% | 180.0% |
| Mar 2020 | βΉ1.99 K Cr | β | βΉ30.00 Cr | β | β | β | 59.2% | -101.5% |
| Mar 2019 | βΉ1.25 K Cr | β | βΉ-1949.00 | β | β | β | -19.5% | -22.2% |
| Mar 2018 | βΉ1.55 K Cr | β | βΉ-2504.00 | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 4,934 |
| Finance Costs | 2,529 |
| Total Expenses | 2,926 |
| Financing Profit | -521 |
| Financing Margin % | -11% |
| Other Income | 923 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 402 |
| Tax % | - |
| Net Profit / PAT | 411 |
| EPS (βΉ) | 39.13 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| JANA SMALL FINANCE BANK LIMITEDthis co. | βΉ4.24 K Cr | βΉ4.71 K Cr | 10.30 | 0.99 | 0.00 | 17.3% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |