Jio Financial Services Limited (JIOFIN) AI Stock Analysis

• Market Cap: ₹1.57T
• Dividend Yield: 0.17%
• Average Volume (3M): 778.45K
• Price to Earnings (P/E): 175.6
• Beta (1Y): 1.49
• Revenue Growth: 33.17%
• EPS Growth: 1.52%
• Country: IN
• Employees: 9
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.42
• Shares Outstanding: 6,353,141,600
• 10 Day Avg. Volume: 873,636
• 30 Day Avg. Volume: 778,448
• PEG Ratio: 229.51
• Price to Book (P/B): 1.18
• Price to Sales (P/S): 82.78
• P/FCF Ratio: -14.45
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 3.9
• Revenue Forecast (FY): ₹31.75B

• Rating: 62 Neutral
• Price Target: ₹249.00 ▼(-17.48% Downside)
• Action: Reiterated Date: 02/04/26
• Date: Action: Reiterated 02/04/26

The score is primarily supported by strong financial performance (high margins, strong growth, and a stable equity base), but is held back by weak technicals (trading below key moving averages with negative MACD) and an expensive valuation (very high P/E and low dividend yield).

Positive Factors

Digital-first, multi-segment financial platform

A diversified, digital-first business model across lending, payments and insurance creates durable cross‑sell and scale advantages. Technology-led distribution reduces marginal costs per customer and supports sustained revenue diversification as product penetration deepens over time.

Negative Factors

Negative free cash flow from heavy capex

Persistent negative free cash flow driven by heavy capex can erode liquidity and force external financing if not reversed. Over months, this pressure can constrain margins and limit organic expansion unless capex converts into durable revenue streams and improved cash generation.

Jio Financial Services Limited Business Overview & Revenue Model

Company Description

Jio Financial Services Limited operates as a non-deposit taking non-banking financial company in India. It offers digital financial products and services. The company was formerly known as Reliance Strategic Investments Limited and changed its nam...

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Jio Financial Services Limited operates as a non-deposit taking non-banking financial company in India. It offers digital financial products and services. The company was formerly known as Reliance Strategic Investments Limited and changed its nam...

How the Company Makes Money

Jio Financial Services Limited makes money primarily through financial-services income streams generated by its subsidiaries/ventures and investment activities. Key revenue sources generally include: (1) Lending/financing income: interest income e...

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Jio Financial Services Limited makes money primarily through financial-services income streams generated by its subsidiaries/ventures and investment activities. Key revenue sources generally include: (1) Lending/financing income: interest income e...

Jio Financial Services Limited Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	25.89B	17.67B	17.98B	234.80M	1.90B	3.05B
Gross Profit	22.37B	17.20B	17.50B	234.80M	1.90B	3.05B
EBITDA	20.00B	19.77B	19.88B	493.40M	1.77B	2.29B
Net Income	16.31B	16.13B	16.05B	312.50M	1.68B	1.23B
Balance Sheet
Total Assets	1.52T	1.34T	1.45T	1.15T	222.81M	20.60B
Cash, Cash Equivalents and Short-Term Investments	8.10B	39.59B	165.19B	60.44B	51.00K	3.60M
Total Debt	105.06B	9.83B	1.31B	7.43B	404.00M	0.00
Total Liabilities	177.13B	100.13B	57.15B	8.09B	900.00K	2.40M
Stockholders Equity	1.35T	1.23T	1.39T	1.14T	22.28B	20.60B
Cash Flow
Free Cash Flow	-46.64B	-101.25B	-6.78B	20.55B	12.30M	243.41M
Operating Cash Flow	-46.15B	-100.83B	-6.78B	20.55B	12.30M	243.41M
Investing Cash Flow	-55.54B	64.06B	14.41B	-11.66B	-12.29M	16.32M
Financing Cash Flow	98.80B	39.62B	-7.53B	-8.89B	0.00	-259.75M

Jio Financial Services Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 301.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:JIOFIN, the sentiment is Neutral. The current price of 301.75 is above the 20-day moving average (MA) of 235.75, above the 50-day MA of 249.34, and above the 200-day MA of 293.37, indicating a neutral trend. The MACD of -4.21 indicates Negative momentum. The RSI at 54.47 is Neutral, neither overbought nor oversold. The STOCH value of 73.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:JIOFIN.

Jio Financial Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CHOLAFIN	73 Outperform	₹1.32T	27.83	―	0.12%	27.30%	20.42%
SHRIRAMFIN	70 Outperform	₹1.93T	18.52	―	1.08%	21.24%	22.61%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAJAJFINSV	65 Neutral	₹2.86T	36.52	―	0.05%	16.27%	13.70%
PFC	65 Neutral	₹1.38T	4.66	―	4.62%	13.05%	16.78%
JIOFIN	62 Neutral	₹1.57T	175.57	―	0.17%	33.17%	1.52%
BAJAJHLDNG	59 Neutral	₹1.11T	15.63	―	0.82%	-36.61%	15.01%

Jio Financial Services Limited Corporate Events