Jana Small Finance Bank Ltd (IN:JSFB)
:JSFB
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JSFB Stock Chart & Stats
₹414.60
₹6.15(1.54%)
At close: 4:00 PM EST
₹414.60
₹6.15(1.54%)
Day’s Range― - ―
52-Week Range₹330.30 - ₹552.90
Previous CloseN/A
Volume470.93K
Average Volume (3M)5.69K
Market Cap
₹47.85B
Enterprise Value₹77.63B
Total Cash (Recent Filing)₹26.83B
Total Debt (Recent Filing)₹38.10B
Price to Earnings (P/E)7.0
Beta0.80
Next Earnings
Jul 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)39.15
Shares Outstanding105,324,554
10 Day Avg. Volume4,739
30 Day Avg. Volume5,692
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)0.87
Price to Sales (P/S)0.61
P/FCF Ratio8.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)58.5
Revenue Forecast (FY)₹42.84B
Bulls Say, Bears Say
Bulls Say
Focused Retail/mass-market FranchiseJana's concentrated model serving underbanked and mass-market customers is structurally durable. A branch-led network plus digital channels and broad retail loan mix (microfinance, MSME, housing, vehicle) supports steady deposit gathering, deep customer relationships and cross-sell over multiple cycles.
Consistent Revenue And Asset GrowthSustained top-line and asset growth indicate expanding customer penetration and scale economies. Persistent revenue growth supports diversification of income, the ability to spread fixed branch costs over higher volumes, and underpins long-term capacity to invest in product distribution and risk management.
Improved Leverage And Resumed Cash GenerationA return to positive operating and free cash flow in 2026, alongside prior leverage improvement, strengthens financial flexibility. Positive cash conversion supports internal funding of lending growth, cushions provisioning needs and reduces short-term reliance on market financing when sustained.
Bears Say
Declining Profitability And ROEA multi-year fall in ROE and deteriorating net income reflect margin compression and weakening capital efficiency. Lower profitability constrains retained earnings, raises the cost of capital, and can limit sustainable growth unless margins or credit performance materially improve over the medium term.
Volatile Cash GenerationLarge year-to-year swings in operating and free cash flow increase uncertainty in funding and planning. Volatility raises the probability of external funding needs in down cycles, complicates provisioning and capital allocation, and weakens confidence in the bank's ability to consistently self-fund growth.
Meaningful Absolute Debt BurdenDespite improved leverage ratios, a substantial absolute debt stock of ~55B limits financial flexibility given weaker profitability. High debt levels increase interest and refinancing risk, reduce headroom for incremental lending during stress, and could pressure capital metrics if credit costs rise.
Jana Small Finance Bank Ltd News
JSFB FAQ
What was Jana Small Finance Bank Ltd’s price range in the past 12 months?
Jana Small Finance Bank Ltd lowest stock price was ₹330.30 and its highest was ₹552.90 in the past 12 months.
What is Jana Small Finance Bank Ltd’s market cap?
Jana Small Finance Bank Ltd’s market cap is ₹47.85B.
When is Jana Small Finance Bank Ltd’s upcoming earnings report date?
Jana Small Finance Bank Ltd’s upcoming earnings report date is Jul 28, 2026 which is in 76 days.
How were Jana Small Finance Bank Ltd’s earnings last quarter?
Jana Small Finance Bank Ltd released its earnings results on Apr 29, 2026. The company reported ₹13.28 earnings per share for the quarter, beating the consensus estimate of N/A by ₹13.28.
Is Jana Small Finance Bank Ltd overvalued?
According to Wall Street analysts Jana Small Finance Bank Ltd’s price is currently Overvalued.
Does Jana Small Finance Bank Ltd pay dividends?
Jana Small Finance Bank Ltd does not currently pay dividends.
What is Jana Small Finance Bank Ltd’s EPS estimate?
Jana Small Finance Bank Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Jana Small Finance Bank Ltd have?
Jana Small Finance Bank Ltd has 105,324,554 shares outstanding.
What happened to Jana Small Finance Bank Ltd’s price movement after its last earnings report?
Jana Small Finance Bank Ltd reported an EPS of ₹13.28 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -5.207%.
Which hedge fund is a major shareholder of Jana Small Finance Bank Ltd?
Currently, no hedge funds are holding shares in IN:JSFB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Jana Small Finance Bank Ltd
Jana Small Finance Bank Limited provides various banking products and services to individuals and enterprises in India. It operates through Treasury, Retail Banking, Corporate/Wholesale Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. The company was founded in 1999 and is based in Bengaluru, India.
Technical Analysis
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