NSE / BSEFinancial Services
β‚Ή237.10+0.95+0.40%
P/E258.0Mkt Capβ‚Ή1.81 L CrEV/EBITDA330.6

Jio Financial Services Limited

P/E258.0Mkt Capβ‚Ή1.81 L CrEV/EBITDA330.6
Company Profile

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.

Valuation

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
0.0x
β€”
EV / Sales
0.0x
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 22.83% over 1Y
Monthly Returns

Historically, Apr has averaged the highest return (+10.4%); Jan the lowest (-8.7%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-13.7%Negative MonthJan 2026: -13.73%+0.4%Neutral MonthFeb 2026: +0.35%-12.2%Negative MonthMar 2026: -12.22%+9.9%Positive MonthApr 2026: +9.93%-3.3%Negative MonthMay 2026: -3.35%-0.7%Neutral MonthJun 2026: -0.69%+0.3%*Neutral MonthJul 2026: +0.25%β€”β€”β€”β€”β€”
2025-19.0%Negative MonthJan 2025: -19.03%-14.1%Negative MonthFeb 2025: -14.14%+9.5%Positive MonthMar 2025: +9.48%+14.5%Positive MonthApr 2025: +14.49%+10.1%Positive MonthMay 2025: +10.10%+14.0%Positive MonthJun 2025: +14.02%+0.8%Neutral MonthJul 2025: +0.78%-5.4%Negative MonthAug 2025: -5.40%-5.9%Negative MonthSep 2025: -5.89%+4.6%Positive MonthOct 2025: +4.62%-0.2%Neutral MonthNov 2025: -0.18%-3.7%Negative MonthDec 2025: -3.69%
2024+6.5%Positive MonthJan 2024: +6.54%+24.9%Positive MonthFeb 2024: +24.93%+14.1%Positive MonthMar 2024: +14.06%+6.7%Positive MonthApr 2024: +6.67%-8.7%Negative MonthMay 2024: -8.74%+4.0%Positive MonthJun 2024: +3.98%-8.2%Negative MonthJul 2024: -8.24%-2.1%Negative MonthAug 2024: -2.08%+9.0%Positive MonthSep 2024: +9.00%-8.1%Negative MonthOct 2024: -8.08%+1.8%Neutral MonthNov 2024: +1.85%-9.0%Negative MonthDec 2024: -9.00%
2023β€”β€”β€”β€”β€”β€”β€”β€”-1.0%Neutral MonthSep 2023: -0.98%-5.2%Negative MonthOct 2023: -5.19%+4.6%Positive MonthNov 2023: +4.63%+1.5%Neutral MonthDec 2023: +1.55%
AvgΒ±SD-8.7%Β±11.0%+3.7%Β±16.1%+3.8%Β±11.5%+10.4%Β±3.2%-0.7%Β±7.9%+5.8%Β±6.1%-2.4%Β±4.1%-3.7%Β±1.7%+0.7%Β±6.2%-2.9%Β±5.4%+2.1%Β±2.0%-3.7%Β±4.3%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 4 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 0.804x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή806.00 Crβ–² 26.3%
EBITDA Growthβ€”
Net Profitβ‚Ή549.00 Crβ–² 43.7%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 20.0%
Revenue CAGR 5Y12.8%
EBITDA CAGR 5Y11.1%
Net Profit CAGR 5Y10.7%
NP Growth 1Y43.7%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή806.00 Crβ€”β‚Ή549.00 Crβ€”β€”2.2%26.3%43.7%
Mar 2024β‚Ή638.00 Crβ€”β‚Ή382.00 Crβ€”β€”1.6%1317.8%1132.3%
Mar 2023β‚Ή45.00 Crβ€”β‚Ή31.00 Crβ€”β€”0.1%-69.8%-81.5%
Mar 2022β‚Ή149.00 Crβ€”β‚Ή168.00 Crβ€”β€”7.5%-50.8%36.6%
Mar 2021β‚Ή303.00 Crβ€”β‚Ή123.00 Crβ€”β€”6.0%-13.2%-46.5%
Mar 2020β‚Ή349.00 Crβ€”β‚Ή230.00 Crβ€”β€”11.9%-432.4%-157.2%
Mar 2019β‚Ή-105.00β€”β‚Ή-402.00β€”β€”-23.6%-3600.0%-20200.0%
Mar 2018β‚Ή3.00 Crβ€”β‚Ή2.00 Crβ€”β€”9.5%β€”β€”

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue / Net Sales3-10534930314945638806944
Total Expenses01628827-494174186
EBIT / Operating Profit3-12132222114149544632758
OPM %94%-92%73%95%110%85%78%80%
Other Income000835003353
Finance Costs1248128111001000
Depreciation & Amortisation000000121213
Profit Before Tax2-36919411817749521653798
Tax %-15%9%-19%-4%5%37%27%16%-
Net Profit / PAT2-40223012316831382549700
EPS (β‚Ή)------0.600.861.10
Dividend Payout %0%0%0%0%0%0%0%58%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
Jio Financial Services Limitedthis co.β‚Ή1.81 L Crβ‚Ή806.00 Cr258.006.21330.5826.3%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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