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STOCKS

Jana Small Finance Bank Ltd (IN:JSFB)

:JSFB

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 Q4 2025 was ₹1.00. For the 2025 fiscal year, IN:JSFB's free cash flow was decreased by ₹ and operating cash flow was ₹0.18. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 23	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.46	0.46	6.96	7.94
Quick Ratio	0.00	0.46	0.46	6.96	7.94
Cash Ratio	0.00	0.37	0.37	6.21	6.52
Solvency Ratio	0.01	0.03	0.03	0.01	<0.01
Operating Cash Flow Ratio	0.00	0.22	0.22	-3.68	3.64
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -343.45B	₹ -265.58B	₹ -265.58B	₹ -216.97B	₹ -171.18B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.13	0.13	0.21	0.18
Debt-to-Equity Ratio	0.94	1.23	1.23	3.05	3.09
Debt-to-Capital Ratio	0.48	0.55	0.55	0.75	0.76
Long-Term Debt-to-Capital Ratio	0.48	0.00	0.00	0.71	0.74
Financial Leverage Ratio	9.34	9.14	9.14	14.27	16.81
Debt Service Coverage Ratio	0.18	0.47	0.47	0.23	0.06
Interest Coverage Ratio	0.24	0.54	0.54	0.18	0.01
Debt to Market Cap	0.79	0.00	0.00	1.13	0.91
Interest Debt Per Share	597.15	854.49	854.49	659.00	482.51
Net Debt to EBITDA	-1.40	3.26	3.26	10.97	25.21
Profitability Margins
Gross Profit Margin	71.36%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	9.69%	25.51%	25.51%	11.56%	0.32%
EBITDA Margin	9.69%	27.87%	27.87%	14.66%	5.17%
Operating Profit Margin	13.75%	38.86%	38.86%	11.56%	1.05%
Pretax Profit Margin	9.69%	19.60%	19.60%	11.56%	1.05%
Net Profit Margin	10.10%	25.51%	25.51%	11.56%	1.05%
Continuous Operations Profit Margin	10.10%	25.51%	25.51%	11.56%	1.05%
Net Income Per EBT	104.17%	130.17%	130.17%	100.00%	100.00%
EBT Per EBIT	70.51%	50.43%	50.43%	100.00%	100.00%
Return on Assets (ROA)	1.13%	2.05%	2.05%	1.00%	0.09%
Return on Equity (ROE)	11.23%	18.72%	18.72%	14.24%	1.46%
Return on Capital Employed (ROCE)	1.53%	3.75%	3.75%	1.01%	0.09%
Return on Invested Capital (ROIC)	1.57%	4.88%	4.88%	3.56%	0.25%
Return on Tangible Assets	1.13%	2.05%	2.05%	1.00%	0.09%
Earnings Yield	8.89%	21.65%	21.65%	6.65%	0.45%
Efficiency Ratios
Receivables Turnover	0.00	4.81	4.81	9.51	4.99
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	27.98	18.54	18.54	17.34	9.72
Asset Turnover	0.11	0.08	0.08	0.09	0.08
Working Capital Turnover Ratio	0.00	-4.66	-4.66	1.27	0.92
Cash Conversion Cycle	0.00	75.95	75.95	38.37	73.08
Days of Sales Outstanding	0.00	75.95	75.95	38.37	73.08
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	75.95	75.95	38.37	73.08
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	166.98	166.98	-108.73	82.09
Free Cash Flow Per Share	0.00	85.48	85.48	-111.22	78.19
CapEx Per Share	0.00	10.44	10.44	2.49	3.90
Free Cash Flow to Operating Cash Flow	0.00	0.51	0.51	1.02	0.95
Dividend Paid and CapEx Coverage Ratio	0.00	16.00	16.00	-43.66	21.02
Capital Expenditure Coverage Ratio	0.00	16.00	16.00	-43.66	21.02
Operating Cash Flow Coverage Ratio	0.00	0.28	0.28	-0.21	0.23
Operating Cash Flow to Sales Ratio	0.00	0.47	0.47	-0.51	0.51
Free Cash Flow Yield	0.00%	20.37%	20.37%	-30.21%	21.24%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.25	4.62	4.62	15.04	220.39
Price-to-Sales (P/S) Ratio	1.14	1.18	1.18	1.74	2.31
Price-to-Book (P/B) Ratio	1.18	0.86	0.86	2.14	3.21
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	4.91	4.91	-3.31	4.71
Price-to-Operating Cash Flow Ratio	0.00	2.51	2.51	-3.39	4.48
Price-to-Earnings Growth (PEG) Ratio	-0.81	0.02	0.02	0.01	-2.91
Price-to-Fair Value	1.18	0.86	0.86	2.14	3.21
Enterprise Value Multiple	10.32	7.49	7.49	22.83	69.87
Enterprise Value	42.87B	54.76B	54.76B	74.12B	60.24B
EV to EBITDA	10.32	7.49	7.49	22.83	69.87
EV to Sales	1.00	2.09	2.09	3.35	3.61
EV to Free Cash Flow	0.00	8.69	8.69	-6.37	7.37
EV to Operating Cash Flow	0.00	4.45	4.45	-6.52	7.02
Tangible Book Value Per Share	391.53	485.38	485.38	171.84	114.80
Shareholders’ Equity Per Share	391.53	485.38	485.38	171.84	114.80
Tax and Other Ratios
Effective Tax Rate	-0.02	-0.30	-0.30	<0.01	0.00
Revenue Per Share	407.42	356.17	356.17	211.80	159.52
Net Income Per Share	41.14	90.85	90.85	24.47	1.67
Tax Burden	1.04	1.30	1.30	1.00	1.00
Interest Burden	1.00	0.77	0.77	1.00	3.23
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.08	0.08	0.07	0.07
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.00	1.84	1.84	-4.44	49.14

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