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Jana Small Finance Bank Ltd (IN:JSFB)
:JSFB
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₹340.05 - ₹552.90
Previous CloseN/A
Volume470.93K
Average Volume (3M)5.69K
Market Cap
₹36.80B
Enterprise Value₹37.84B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)9.2
Beta1.33
Next Earnings
Feb 19, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)7.13
Shares Outstanding105,273,690
10 Day Avg. Volume4,739
30 Day Avg. Volume5,692
Financial Highlights & Ratios
PEG Ratio-0.18
Price to Book (P/B)1.06
Price to Sales (P/S)0.81
P/FCF Ratio-1.71
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)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Financial Inclusion NicheJana’s core business targets underserved retail, microfinance and small business clients, a structural market with persistent demand and limited mainstream competition. This niche supports steady loan origination, high customer stickiness, and long-term cross-sell opportunities as financial inclusion deepens.
Improving Leverage ManagementA lower and stable debt-to-equity ratio indicates better leverage control, reducing refinancing risk and improving capital flexibility. Over months this strengthens balance-sheet resilience, enabling the bank to sustain lending through cycles and invest in growth or capital buffers without over-reliance on volatile funding.
High Gross Margins From Lending ModelVery high gross margins reflect an efficient interest spread and low direct cost base for core lending activities. Structurally, strong spreads in micro and small-business lending can sustain profitability even with higher provisioning, supporting long-term earnings power if credit quality is maintained and scale is rebuilt.
Bears Say
Sharp Revenue ContractionA meaningful revenue decline undermines scale economics and puts pressure on fee and interest income sustainability. Persisting over months, this reduces ability to absorb operating costs, limits reinvestment in distribution and technology, and risks compounding profitability weakness without clear recovery drivers.
Operating Cash Flow WeaknessNegative operating cash flow signals cash generation problems from core operations, forcing reliance on external funding or asset sales to support lending. Over a medium horizon this raises liquidity and funding-cost risks, constraining growth, capital expenditures, and the bank's ability to withstand credit or macro shocks.
Declining Return On EquityA falling ROE over the latest year indicates declining efficiency in converting equity into profits. If persistent, lower ROE harms shareholder returns and limits the bank’s capacity to raise equity on favorable terms, potentially forcing tougher trade-offs between growth, dividends, and capital conservation.
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 ₹340.05 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 ₹36.80B.
When is Jana Small Finance Bank Ltd’s upcoming earnings report date?
Jana Small Finance Bank Ltd’s upcoming earnings report date is Feb 19, 2026 which is in 15 days.
How were Jana Small Finance Bank Ltd’s earnings last quarter?
Jana Small Finance Bank Ltd released its earnings results on Oct 17, 2025. The company reported ₹7.13 earnings per share for the quarter, beating the consensus estimate of N/A by ₹7.13.
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 105,273,690 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 ₹7.13 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.483%.
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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