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Jana Small Finance Bank Ltd (IN:JSFB)
:JSFB
India Market
JSFB
Jana Small Finance Bank Ltd
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Jana Small Finance Bank Ltd (JSFB) Ratios

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Jana Small Finance Bank Ltd Ratios

IN:JSFB's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:JSFB's free cash flow was decreased by ₹ and operating cash flow was ₹0.05. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.07 0.07 0.15 0.46 6.96
Quick Ratio
 0.07 0.07 0.15 0.46 6.96
Cash Ratio
 0.07 0.07 0.15 0.37 6.21
Solvency Ratio
 <0.01 <0.01 0.02 0.03 0.01
Operating Cash Flow Ratio
 -0.07 0.02 -0.09 0.25 -3.68
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -1.06 7.11 -15.59
Net Current Asset Value
₹ -404.19B₹ -404.19B₹ -298.86B₹ -265.58B₹ -216.97B
Leverage Ratios
Debt-to-Assets Ratio
 0.12 0.12 0.10 0.34 0.39
Debt-to-Equity Ratio
 1.23 1.23 0.94 3.10 5.56
Debt-to-Capital Ratio
 0.55 0.55 0.48 0.76 0.85
Long-Term Debt-to-Capital Ratio
 0.55 0.55 0.48 0.00 0.75
Financial Leverage Ratio
 10.61 10.61 9.34 9.14 14.27
Debt Service Coverage Ratio
 0.16 0.15 0.12 0.35 0.22
Interest Coverage Ratio
 0.16 0.12 0.20 0.27 0.18
Debt to Market Cap
 1.15 1.41 1.42 0.06 2.52
Interest Debt Per Share
 719.02 784.60 587.87 1.76K 1.90K
Net Debt to EBITDA
 9.00 7.31 -1.11 15.75 24.86
Profitability Margins
Gross Profit Margin
39.09%43.54%56.83%58.19%61.02%
EBIT Margin
5.09%5.12%8.83%11.40%7.05%
EBITDA Margin
5.09%6.30%9.96%12.78%8.94%
Operating Profit Margin
5.09%5.12%8.83%11.40%7.05%
Pretax Profit Margin
5.09%5.12%8.83%11.40%7.05%
Net Profit Margin
5.09%5.12%9.34%14.84%7.05%
Continuous Operations Profit Margin
5.09%5.12%9.34%14.84%7.05%
Net Income Per EBT
100.00%100.00%105.86%130.17%100.00%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.69%0.69%1.30%2.05%1.00%
Return on Equity (ROE)
7.58%7.30%12.18%18.72%14.24%
Return on Capital Employed (ROCE)
2.80%2.80%5.07%1.89%1.01%
Return on Invested Capital (ROIC)
2.80%2.80%4.06%1.88%3.52%
Return on Tangible Assets
0.69%0.69%1.30%2.05%1.00%
Earnings Yield
6.84%8.40%11.51%21.65%11.61%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 8.26 15.59
Payables Turnover
 0.00 0.00 0.00 4.18 4.58
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 32.25 32.08 35.03 31.86 28.42
Asset Turnover
 0.14 0.13 0.14 0.14 0.14
Working Capital Turnover Ratio
 -0.41 -0.22 -0.39 -8.01 2.09
Cash Conversion Cycle
 0.00 0.00 0.00 -43.18 -56.20
Days of Sales Outstanding
 0.00 0.00 0.00 44.20 23.42
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 87.38 79.62
Operating Cycle
 0.00 0.00 0.00 44.20 23.42
Cash Flow Ratios
Operating Cash Flow Per Share
 -244.08 56.41 -235.33 185.79 -189.84
Free Cash Flow Per Share
 -248.11 44.80 -242.30 175.35 -194.19
CapEx Per Share
 4.02 11.61 6.97 10.44 4.35
Free Cash Flow to Operating Cash Flow
 1.02 0.79 1.03 0.94 1.02
Dividend Paid and CapEx Coverage Ratio
 -60.70 4.86 -33.74 17.80 -43.66
Capital Expenditure Coverage Ratio
 -60.70 4.86 -33.74 17.80 -43.66
Operating Cash Flow Coverage Ratio
 -0.47 0.11 -0.64 0.12 -0.11
Operating Cash Flow to Sales Ratio
 -0.40 0.09 -0.46 0.30 -0.31
Free Cash Flow Yield
-54.72%12.13%-58.49%41.78%-52.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.62 11.91 8.69 4.62 8.62
Price-to-Sales (P/S) Ratio
 0.75 0.61 0.81 0.69 0.61
Price-to-Book (P/B) Ratio
 1.07 0.87 1.06 0.86 1.23
Price-to-Free Cash Flow (P/FCF) Ratio
 -1.83 8.24 -1.71 2.39 -1.90
Price-to-Operating Cash Flow Ratio
 -1.86 6.55 -1.76 2.26 -1.94
Price-to-Earnings Growth (PEG) Ratio
 -0.41 -0.34 -0.18 0.05 <0.01
Price-to-Fair Value
 1.07 0.87 1.06 0.86 1.23
Enterprise Value Multiple
 23.63 16.98 7.05 21.12 31.65
Enterprise Value
 77.12B 68.25B 37.65B 121.71B 102.75B
EV to EBITDA
 23.63 16.98 7.05 21.12 31.65
EV to Sales
 1.20 1.07 0.70 2.70 2.83
EV to Free Cash Flow
 -2.95 14.47 -1.48 9.42 -8.83
EV to Operating Cash Flow
 -3.00 11.50 -1.52 8.89 -9.04
Tangible Book Value Per Share
 424.58 424.80 391.53 485.38 300.03
Shareholders’ Equity Per Share
 424.58 424.80 391.53 485.38 300.03
Tax and Other Ratios
Effective Tax Rate
 0.00 0.00 -0.06 -0.30 0.00
Revenue Per Share
 608.58 605.78 510.20 612.07 606.02
Net Income Per Share
 31.00 31.02 47.67 90.85 42.73
Tax Burden
 1.00 1.00 1.06 1.30 1.00
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.06 0.23 0.05 0.05 0.04
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
 -5.01 1.82 -4.94 2.04 -4.44
Currency in INR