JANA SMALL FINANCE BANK LIMITED
₹372.35-₹21.15 (-5.4%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹4,242 Cr
- P/E
- 10.3x
- Revenue
- ₹4,710 Cr
Price chart
Technical chartScreen technicals →-17.7% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -23.9%
- 3M
- -34.0%
- 6M
- -18.7%
- 1Y
- -17.7%
- 5Y
- -11.1%
52-week range
Day change -₹21.15 (-5.4%) from ₹394 to ₹372 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in JSFB, bought on each weekday since 2024.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 15.0%
Concerns1
- Other income is 130.4% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 10.5 Cr shares
- ISIN
- INE953L01027
- BSE code
- 544118
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹4,242 Cr
- P/E
- 10.3x
- P/B
- 1.0x
- Earnings yield
- 9.7%
- 52-week high
- ₹585.15
- 52-week low
- ₹342.65
Profitability
- Dividend payout
- 0.0%
- Tax rate
- -30.0%
- Other income, % of PBT
- 130.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹4,710 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 17.3%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 15.0%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹670 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 7.2%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -25.2%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 86.1%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹708 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -162.3%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,421 Cr
Solvency and efficiency
- CFO / Net profit
- 1.06
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹4,710 Cr |
| Interest paid | ₹2,317 Cr |
| Expenses | ₹2,635 Cr |
| Financing profit | -₹242 Cr |
| Other income | ₹776 Cr |
| Depreciation | ₹61 Cr |
| Profit before tax | ₹474 Cr |
| Tax and other | -₹27 Cr |
| Net profit | ₹501 Cr |
Revenue and net profit
Revenue grew 17.3% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹2,498 Cr | ₹84 Cr |
| FY2022 | ₹2,727 Cr | ₹5 Cr |
| FY2023 | ₹3,075 Cr | ₹256 Cr |
| FY2024 | ₹4,014 Cr | ₹670 Cr |
| FY2025 | ₹4,710 Cr | ₹501 Cr |
Cash flows
FY2025: ₹4,073 Cr from operations, ₹3,752 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹615 Cr | -₹651 Cr |
| FY2022 | ₹859 Cr | -₹471 Cr |
| FY2023 | -₹1,137 Cr | -₹1,571 Cr |
| FY2024 | ₹708 Cr | -₹72 Cr |
| FY2025 | ₹4,073 Cr | ₹3,752 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹4,710 Cr+17.3%1Y
- Net profit
- ₹501 Cr-25.2%1Y
- Cash from operations
- ₹4,073 Cr+475.3%1Y
- Free cash flow
- ₹3,752 Cr
- Revenue CAGR, 5Y
- 15.0%
- EBITDA CAGR, 5Y
- 9.1%
- Net profit CAGR, 5Y
- 86.1%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹4,710 Cr | -₹242 Cr | — | ₹501 Cr | ₹4,073 Cr | ₹3,752 Cr | — | +17.3% | -25.2% |
Monthly returns
Month-by-month returns of JSFB across the years, with the seasonal pattern.
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
JSFB trades at 10.3x earnings against a peer median of 26.9x (a 62% discount).
Not shown (no positive earnings and no EV / Sales): IndoStar Capital Finance Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| JANA SMALL FINANCE BANK LIMITEDJSFBthis companyP/E ↓ discount | ₹4,242 Cr | 10.3x | 1.0x | — | — |
| Pilani Investment And Industries Corporation LimitedPILANIINVS | ₹5,445 Cr | 51.4x | 0.3x | 1.1% | 20.2x |
| INFIBEAM AVENUES LIMITEDCCAVENUE | ₹5,344 Cr | 41.1x | 1.1x | 4.8% | 19.1x |
| CARE Ratings LimitedCARERATING | ₹4,862 Cr | 30.5x | 5.3x | 17.2% | 27.8x |
| Northern Arc Capital Ltd.NORTHARC | ₹4,246 Cr | 12.2x | 1.2x | 10.1% | 10.2x |
| ZAGGLE PREPAID OCEAN SERVICES LIMITEDZAGGLE | ₹4,112 Cr | 36.9x | 3.1x | 7.0% | 49.8x |
| ANAND RATHI SHARE AND STOCK BROKERS LIMITEDARSSBL | ₹3,975 Cr | 40.0x | 3.0x | 20.6% | 18.7x |
| IndoStar Capital Finance LimitedINDOSTAR | ₹3,673 Cr | — | 0.8x | 1.5% | 12.1x |
| Indo Thai Securities LimitedINDOTHAI | ₹3,287 Cr | 85.8x | 15.3x | 5.0% | 148.9x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
JSFB since 1 January, against earlier years.
Historical volatility
JSFB's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -3.0% |
| FY2022 | -9.0% |
| FY2023 | -10.0% |
| FY2024 | -2.0% |
| FY2025 | -5.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹4,710 Cr |
| Costs | |
| Interest | ₹2,317 Cr |
| Expenses | ₹2,635 Cr |
| Financing profitFinancing Profit | -₹242 Cr |
| Financing marginFinancing Margin % | -5.0% |
| Other income and charges | |
| Profit before tax | ₹474 Cr |
| Tax | |
| Net profitNet Profit | ₹501 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹4,073 Cr |
| Investing cash flowCash from Investing Activity | -₹321 Cr |
| Financing cash flowCash from Financing Activity | -₹1,331 Cr |
| Change in cashNet Cash Flow | ₹2,421 Cr |
Learn while you research
Academy chapters picked for JANA SMALL FINANCE BANK LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Value InvestingA P/E of 10.3 could be a value opportunity, or a value trap. Know the difference.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read