Jana Small Finance Bank Ltd
JSFBJana Small Finance Bank Ltd
JSFB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
LowUndervalued compared to the market average
Growth
AvgFinancials growth has been moderate for a few years
Profitability
HighShowing good signs of profitability & efficiency
Entry point
AvgThe stock is overpriced but is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 6.11 | 1.24 | — |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.53 | 2.58 | 0.94% |
Forecast & Ratings
Detailed Forecast from 2 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Jana Small Finance Bank is an India-based small finance bank.
Investor Presentation
View olderPeers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Axis Bank Ltd
Kotak Mahindra Bank Ltd
IDBI Bank Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,784.54 | 2,978.26 | 1,597.05 | 1,368.27 | 2,424.77 | 2,732.79 | 3,050.30 | 3,699.87 | 4,684.06 | 5,166.17 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 4,616.51 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 275.49 | 517.02 | 674.98 | 602.27 | 623.74 | 618.46 | 698.99 | 777.58 | 974.67 | |||||||||||
| Selling & Administrative Expenses | 373.60 | 210.16 | 648.57 | 370.34 | 398.50 | 311.89 | 320.72 | 399.60 | 522.32 | |||||||||||
| Operating & Other expenses | 861.90 | 1,934.01 | 2,600.69 | 2,245.33 | 1,279.87 | 1,635.46 | 1,944.37 | 2,198.04 | 2,610.80 | |||||||||||
EBITDA | 273.55 | 317.07 | -2,327.19 | -1,849.67 | 122.66 | 166.98 | 86.22 | 324.65 | 576.27 | 549.66 | ||||||||||
| Depreciation/Amortization | 35.34 | 61.86 | 83.95 | 99.39 | 92.53 | 82.68 | 80.82 | 68.69 | 61.91 | — | ||||||||||
| PBIT | 238.21 | 255.21 | -2,411.14 | -1,949.06 | 30.13 | 84.30 | 5.40 | 255.96 | 514.36 | 549.66 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 238.21 | 255.21 | -2,411.14 | -1,949.06 | 30.13 | 84.30 | 5.40 | 255.96 | 514.36 | 549.66 | ||||||||||
| Taxes & Other Items | 77.92 | 85.11 | 92.66 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -155.19 | -173.96 | ||||||||||
| Net Income | 160.29 | 170.10 | -2,503.80 | -1,949.06 | 30.13 | 84.30 | 5.40 | 255.96 | 669.55 | 723.62 | ||||||||||
| EPS | 74.27 | 69.36 | -750.17 | -450.93 | 6.16 | 16.62 | 1.06 | 48.12 | 83.92 | 69.19 | ||||||||||
| DPS | 2.00 | 4.90 | 0.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||||
| Payout ratio | 0.03 | 0.07 | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Company Updates
Investor Presentation
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Jana Small Finance Bank Ltd | 6.60 | 1.24 | — |
| HDFC Bank Ltd | 22.29 | 3.04 | 1.04% |
| ICICI Bank Ltd | 21.22 | 3.48 | 0.75% |
| Axis Bank Ltd | 13.53 | 2.27 | 0.09% |
Price Comparison
Compare JSFB with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Feb 2024
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Increased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has increased by 2.01%
Top 5 Mutual Funds holding Jana Small Finance Bank Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Quant Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.2520% | Percentage of the fund’s portfolio invested in the stock 0.38% | Change in the portfolio weight of the stock over the last 3 months 0.02% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 79/98 (-11) |
Motilal Oswal Focused Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.2395% | Percentage of the fund’s portfolio invested in the stock 2.94% | Change in the portfolio weight of the stock over the last 3 months 2.24% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 11/25 (+13) |
Quant Active Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.1286% | Percentage of the fund’s portfolio invested in the stock 0.47% | Change in the portfolio weight of the stock over the last 3 months -0.12% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 54/69 (-6) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividends
JSFB has not given any dividends in last 5 years
Dividends
Corp. Actions
Announcements
Legal Orders
Dividends
Hmm, looks like data is unavailable here. Please come back after some timeJana Small Finance Bank has allotted 49,807 equity shares under ESOP on 21 November 2024. With the said allotment, the paid-up equity shares of the Bank shall stand increased from 104664147 shares of Rs. 10 each to 104713954 shares of Rs. 10 each.Powered by Capital Market - Live
Net profit of Jana Small Finance Bank declined 21.27% to Rs 96.72 crore in the quarter ended September 2024 as against Rs 122.85 crore during the previous quarter ended September 2023. Total Operating Income rose 19.10% to Rs 1166.05 crore in the quarter ended September 2024 as against Rs 979.03 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income1166.05979.03 19 OPM %41.5942.14 - PBDT88.38122.85 -28 PBT88.38122.85 -28 NP96.72122.85 -21 Powered by Capital Market - Live
Jana Small Finance Bank will hold a meeting of the Board of Directors of the Company on 21 October 2024.Powered by Capital Market - Live
Jana Small Finance Bank has appointed Dinesh C Patwari as an Additional Director in the capacity of Non-Executive Director (Independent Director) of the Bank for a period of 5 years with effect from 22nd July 2024. Powered by Capital Market - Live
Net profit of Jana Small Finance Bank rose 88.76% to Rs 170.56 crore in the quarter ended June 2024 as against Rs 90.36 crore during the previous quarter ended June 2023. Total Operating Income rose 31.88% to Rs 1167.06 crore in the quarter ended June 2024 as against Rs 884.91 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Total Operating Income1167.06884.91 32 OPM %45.2836.76 - PBDT160.1390.36 77 PBT160.1390.36 77 NP170.5690.36 89 Powered by Capital Market - Live
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 27.91%, vs industry avg of 16.68%
Increasing Market Share
Over the last 5 years, market share increased from 0.25% to 0.4%