Jana Small Fin. Bank
Ticker > Company >

Jana Small Fin. Bank share price

Jana Small Finance Bank Ltd.

NSE: JSFB BSE: 544118 SECTOR: Bank - Private  70k   32   1

409.00
-2.80 (-0.68%)
BSE: 22 Nov 04:00 PM

Price Summary

Today's High

₹ 419

Today's Low

₹ 408.6

52 Week High

₹ 760.85

52 Week Low

₹ 365

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
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

₹ 4282.8 Cr.

CASA %

19.7

No. of Shares

10.47 Cr.

P/E

5.92

P/B

1.12

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  366.51

Net Interest Income

₹ 2127.14 Cr.

Cost To Income %

57.35

Promoter Holding

22.38 %

EPS (TTM)

₹  69.1

CAR %

20.31

ROE

26.39 %

ROCE

11.18%

Profit Growth

161.57 %

Add Your Ratio

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

Your Added Ratios

Please login to Add & View your own added ratios.

Login

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* 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 Year26.39%
3 Year16.1%
5 Year12.11%

ROA%

1 Year2.29%
3 Year1.17%
5 Year0.84%

Net NPA%

1 Year0.56%
3 Year2.38%
5 Year2.78%

 NIM

1 Year6.67%
3 Year6.79%
5 Year6.93%

CAR %

20.31

Cost of Liabilities %

6.7881

PEG Ratio

0.16

Advances Growth %

30.1343

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 22.38 0.00
Jun 2024 22.54 0.00
Mar 2024 22.54 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.0985473627185%.
  • The company has been consistently maintaining a NIM of 6.79233695127925% since last 3 years.
  • Good Capital Adequacy Ratio of 20.31%.
  • The company has delivered good Profit growth of 110.035604849078% over the past 3 years.
  • Strong Advances growth of 25.8324674323428% in the last 3 years.

 Limitations

  • CASA Growth of -0.507394569383202% YoY, which is very low.
  • Low CASA Ratio of 19.7017%.
  • High Cost to income ratio of 57.3536%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 1038.03 1111.08 1167.06 1166.05
Other Income 139.52 179.87 189.01 175.56
Interest Expended 489.54 520.06 557.31 572.14
Operating Expenses 392.73 428.95 442.98 470.82
Total Provisions 160.63 175.45 195.65 210.28
Profit Before Tax 134.64 166.49 160.13 88.38
Tax 0 -155.19 -10.43 -8.34
Net Profit 134.64 321.68 170.56 96.72
Net NPA % 0.71 0.56 0.99 0.99
Gross NPA % 2.19 2.11 2.62 2.97
Return on Assets % 1.84 2.37 2.1 1.17
NPM % 12.97 28.95 14.61 8.29

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 1991.52 2497.73 2726.54 3075.01 4013.05
Other Income 433.25 223.01 335.83 624.86 671.01
Interest Expended 980.16 1234.58 1336.75 1414.99 1885.9
Operating Expenses 1164.08 1047.31 1138.82 1284.51 1604.84
Total Provisions 250.4 366.59 569.32 744.4 678.96
Profit Before Tax 30.13 72.26 17.47 255.97 514.35
Taxes 0 0 0 0 -155.19
Net Profit 30.13 72.26 17.47 255.97 669.54
Adjusted EPS (Rs.) 5.94 14.24 3.4 46.56 64.02

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 200.72 200.73 201.41 324.98 104.59
Total Reserves 826.59 900.04 983.15 1452.09 3461.91
Deposits 9651.95 12316.26 13536.49 16334.02 22571.25
Borrowings 2898.74 4815.32 4509.83 6277.46 5211.46
Other Liabilities 550.31 832.27 941.68 1234.96 1349.98
Total Liabilities 14144.51 19078.66 20188.71 25643.69 32709.78
Assets
Balance with RBI 473.84 2125.29 1530.02 1010.94 1025.59
Balance with Banks 506.46 134.48 7.07 1076.37 1028.54
Investments 2650.04 4697.79 5065.26 5221.22 6737.69
Advances 9956.62 11599.67 13006.67 17759.56 23111.27
Net Block 259.42 210.81 170.47 122.6 138.65
Other Assets 297.54 309.37 408.03 447.85 665.1
Total Assets 14144.51 19078.66 20188.71 25643.69 32709.78
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024%
promoters 22.54 22.54 22.38
jana holdings limited 22.54 22.54 22.38
PARTICULARS Mar 2024% Jun 2024% Sep 2024%
investors 77.46 77.46 77.62
amansa holdings private l... 6.10 6.10 6.10
ananta capital ventures f... 1.57 1.57 1.57
anchorage capital fund - ... 1.59 1.59 1.02
bajaj allianz life insura... - 1.15 1.15
barclays wealth trustees ... 1.74 1.74 1.74
bharti (satya) trustees p... 2.76 2.76 2.76
harbourvest partners co-i... 2.39 - 2.39
icici prudential life ins... - - 1.57
kotak mahindra life insur... - 1.12 1.12
north haven private equit... - - 3.97
puran associates private ... 1.38 1.38 1.38
qrg investments and holdi... - 2.00 2.00
quant mutual fund - quant... - 2.42 3.70
singularity growth opport... 1.24 1.24 1.24
sunil kant munjal - 3.73 3.73
tpg asia vi sf pte. ltd. 8.17 8.17 8.17
tree line asia master fun... 2.01 2.01 1.80
viral amal parikh - 1.12 1.12
volrado venture partners ... 2.97 2.97 2.80
harbourvest partners co-i... - 2.39 -
icici prudential life ins... 1.57 1.57 -
north haven private equit... 3.97 3.97 -
bajaj allianz life insura... 1.15 - -
kotak mahindra life insur... 1.12 - -
quant mutual fund - quant... 2.14 - -

Annual Reports

No Annual reports exist for this company.Report us

Ratings & Research Reports

Company Presentations

Company News

Jana Small Finance Bank informs about allotment of ESOP 21 Nov, 4:27 PM Jana Small Finance Bank informs about analyst meet 15 Nov, 11:16 AM Jana Small Finance Bank informs about audio recording of conference call 22 Oct, 9:52 AM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Fin. Bank - Quaterly Results 21 Oct, 4:08 PM Jana Small Finance Bank informs about analyst meet 16 Oct, 2:46 PM Jana Small Finance Bank launches ‘Liquid Plus Fixed Deposit’ 21 Sep, 11:45 AM Jana Small Finance Bank informs about change in senior management 9 Aug, 5:14 PM Jana Small Finance Bank informs about earnings call recordings 23 Jul, 3:04 PM Jana Small Finance Bank informs about appointment of director 23 Jul, 12:24 PM Jana Small Finance Bank informs about appointment of director 23 Jul, 12:12 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Fin. Bank - Quaterly Results 22 Jul, 3:37 PM Jana Small Finance Bank informs about certificate 9 Jul, 9:51 AM Jana Small Finance Bank informs about trading window closure 27 Jun, 1:17 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 3:56 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 3:56 PM Jana Small Fin. Bank - Quaterly Results 29 Apr, 3:56 PM Jana Small Finance Bank informs about RBI approval for joint statutory auditor appointment 16 Apr, 10:51 AM Jana Small Finance Bank partners with Kotak Mahindra Life Insurance Company 8 Apr, 3:30 PM Jana Small Finance Bank informs about half yearly statement 8 Apr, 1:00 PM Jana Small Finance Bank informs about credit rating 16 Mar, 3:42 PM Jana Small Finance Bank informs about credit rating 28 Feb, 5:26 PM Jana Small Finance Bank partners with Dvara Money 28 Feb, 11:44 AM Jana Small Finance Bank informs about press release 28 Feb, 10:29 AM Jana Small Finance Bank informs about newspaper publication 23 Feb, 5:02 PM Jana Small Finance Bank informs about outcome of board meeting 22 Feb, 5:29 PM Jana Small Fin. Bank - Quaterly Results 22 Feb, 4:44 PM Jana Small Fin. Bank - Quaterly Results 22 Feb, 4:44 PM Jana Small Fin. Bank - Quaterly Results 22 Feb, 4:44 PM Jana Small Finance Bank informs about trading window closure 19 Feb, 3:30 PM Jana Small Finance Bank informs about disclosure 17 Feb, 2:19 PM Jana Small Finance Bank coming with IPO to raise upto Rs 594.68 crore 6 Feb, 10:51 AM

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.

Jana Small Fin. Bank stock price today is Rs 411.15. 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 4013.0453 Cr. revenue in the latest financial year. Jana Small Fin. Bank has posted outstanding revenue growth of 17.1230266738881 % in last 3 Years.

  • In terms of advances, Jana Small Fin. Bank reported 30.1343 % YOY,  rise . If you see 3 years advance growth, it stands at 25.8324674323428 %.

  • Currently, Jana Small Fin. Bank has a CASA ratio of 19.7017 %. It’s overall cost of liability stands at 6.7881 %. Also, the total deposits of Jana Small Fin. Bank from these accounts stood at Rs 22571.2488 Cr.

  • Jana Small Fin. Bank has a healthy ROA track record. The ROA of Jana Small Fin. Bank is at 2.2948 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.11 % and 0.56 % 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 negative at -8.79114974250514 % which means it has decreased 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 671.011 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 1.1267 . The historical average PB of Jana Small Fin. Bank was 0.24082.

  • Share Price: - The current share price of Jana Small Fin. Bank is Rs 411.15. 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
X