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Jana Small Fin. Bank share price

Jana Small Finance Bank Ltd.

NSE: JSFB BSE: 544118 SECTOR: Bank - Private  48k   7   1

439.50
-2.95 (-0.67%)
BSE: Today, 04:00 PM

Price Summary

Today's High

₹ 444.35

Today's Low

₹ 422.1

52 Week High

₹ 489.4

52 Week Low

₹ 365

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

4596.74 Cr.

CASA %

20.21

No. of Shares

10.46 Cr.

P/E

17.96

P/B

1.35

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  324.87

Net Interest Income

1660.02 Cr.

Cost To Income %

56.22

Promoter Holding

22.54 %

EPS (TTM)

₹  24.47

CAR %

2.55

ROE

20.14 %

ROCE

9.7%

Profit Growth

1365.12 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 1 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year20.14%
3 Year9.94%
5 Year-31.49%

ROA%

1 Year1.12%
3 Year0.55%
5 Year-3.68%

Net NPA%

1 Year2.64%
3 Year3.97%
5 Year3.54%

 NIM

1 Year6.62%
3 Year6.84%
5 Year6.58%

CAR %

2.55

Cost of Liabilities %

6.25784004547072

PEG Ratio

0.01

Advances Growth %

36.5418630466174

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 22.54 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 6.8387620186113% since last 3 years.
  • The company has delivered good Profit growth of 104.047155296162% over the past 3 years.
  • Strong Advances growth of 21.2755861615804% in the last 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.54698985684413%
  • CASA Growth of -2.3157426253399% YoY, which is very low.
  • The Bank has a high NPA ; Average NPA of the last 3 years stands at 3.97333333333333%.
  • Low CASA Ratio of 20.2090961585932%.
  • High Cost to income ratio of 56.2177527534209%.
  • The company has very low Capital Adequacy Ratio of 2.55%.
  • Increase in Provision and contingencies of 30.7527739184046% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023
Interest Earned 1038.03
Other Income 139.52
Interest Expended 489.54
Operating Expenses 392.73
Total Provisions 160.63
Profit Before Tax 134.64
Tax 0
Net Profit 134.64
Net NPA % 0.71
Gross NPA % 2.19
Return on Assets % 1.84
NPM % 12.97

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 1250.54 1991.52 2497.73 2726.54 3075.01
Other Income 117.73 433.25 223.01 335.83 624.87
Interest Expended 813.63 980.16 1234.58 1336.75 1414.99
Operating Expenses 1131.19 1164.08 1047.31 1138.82 1284.51
Total Provisions 1372.51 250.4 366.59 569.32 744.4
Profit Before Tax -1949.06 30.13 72.26 17.47 255.97
Taxes 0 0 0 0 0
Net Profit -1949.06 30.13 72.26 17.47 255.97
Adjusted EPS (Rs.) -413.29 5.94 14.24 3.4 46.56

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 197.16 200.72 200.73 201.41 324.98
Total Reserves 463.71 826.59 900.04 983.15 1452.09
Deposits 4198.7 9651.95 12316.26 13536.49 16334.02
Borrowings 4086.47 2898.74 4815.32 4509.83 6277.46
Other Liabilities 487.49 550.31 832.27 941.68 1234.96
Total Liabilities 9446.3 14144.51 19078.66 20188.71 25643.69
Assets
Balance with RBI 1080.97 473.84 2125.29 1530.02 1010.94
Balance with Banks 87.59 506.46 134.48 7.07 1076.37
Investments 1468.13 2650.04 4697.79 5065.26 5221.23
Advances 6217.08 9956.62 11599.67 13006.67 17759.56
Net Block 332.02 259.42 210.81 170.47 122.61
Other Assets 258.07 297.54 309.37 408.03 447.85
Total Assets 9446.3 14144.51 19078.66 20188.71 25643.69
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024%
promoters 22.54
jana holdings limited 22.54
PARTICULARS Mar 2024%
investors 77.46
amansa holdings private l... 6.10
ananta capital ventures f... 1.57
anchorage capital fund - ... 1.59
bajaj allianz life insura... 1.15
barclays wealth trustees ... 1.74
bharti (satya) trustees p... 2.76
harbourvest partners co-i... 2.39
icici prudential life ins... 1.57
kotak mahindra life insur... 1.12
north haven private equit... 3.97
puran associates private ... 1.38
quant mutual fund - quant... 2.14
singularity growth opport... 1.24
tpg asia vi sf pte. ltd. 8.17
tree line asia master fun... 2.01
volrado venture partners ... 2.97

Annual Reports

No Annual reports exist for this company.Report us

Ratings & Research Reports

Company Presentations

Jana Small Fin. Bank Stock Price Analysis and Quick Research Report. Is Jana Small Fin. Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Jana Small Fin. Bank is performing and if it is the right time to buy the stock of Jana Small Fin. Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Jana Small Fin. Bank has earned Rs 3075.01 Cr. revenue in the latest financial year. Jana Small Fin. Bank has posted outstanding revenue growth of 15.5810559518209 % in last 3 Years.

  • In terms of advances, Jana Small Fin. Bank reported 36.5418630466174 % YOY,  rise . If you see 3 years advance growth, it stands at 21.2755861615804 %.

  • Currently, Jana Small Fin. Bank has a CASA ratio of 20.2090961585932 %. It’s overall cost of liability stands at 6.25784004547072 %. Also, the total deposits of Jana Small Fin. Bank from these accounts stood at Rs 16334.016 Cr.

  • Jana Small Fin. Bank has a average ROA track record. The ROA of Jana Small Fin. Bank is at 1.11698713392681 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.94 % and 2.64 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 30.7527739184046 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Jana Small Fin. Bank surged and is currently at Rs 624.865 Cr.

  • Jana Small Fin. Bank has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Jana Small Fin. Bank is trading at a P/B of 1.3573 . The historical average PB of Jana Small Fin. Bank was 0.

  • Share Price: - The current share price of Jana Small Fin. Bank is Rs 436.25. One can use valuation calculators of ticker to know if Jana Small Fin. Bank share price is undervalued or overvalued.

Last Updated on:
Brief about Jana Small Fin. Bank
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