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Jana Small Finance Bank Ltd (IN:JSFB)
:JSFB
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Jana Small Finance Bank Ltd (JSFB) AI Stock Analysis

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IN:JSFB

Jana Small Finance Bank Ltd

(JSFB)

Rating:62Neutral
Price Target:
₹495.00
▲(0.80% Upside)
Jana Small Finance Bank Ltd's overall stock score is primarily influenced by its mixed financial performance and reasonable valuation. The lack of strong technical momentum and cash flow challenges are significant concerns. The absence of earnings call data and corporate events limits further insights.

Jana Small Finance Bank Ltd (JSFB) vs. iShares MSCI India ETF (INDA)

Jana Small Finance Bank Ltd Business Overview & Revenue Model

Company DescriptionJana Small Finance Bank Ltd (JSFB) is a prominent player in the Indian banking sector, primarily focused on providing financial services to underserved and unbanked segments of the population. Established with the aim of promoting financial inclusion, JSFB offers a range of products including savings accounts, fixed deposits, loans, and microfinance services. The bank operates in various sectors such as retail banking, small business financing, and microcredit, catering to both individual and small enterprise needs.
How the Company Makes MoneyJana Small Finance Bank generates revenue primarily through the interest earned on loans and advances provided to customers. The bank offers various loan products, including personal loans, business loans, and microloans, which typically carry higher interest rates compared to traditional banks due to the higher risk associated with lending to underserved populations. Additionally, JSFB earns income from fees and charges related to account maintenance, transaction services, and other banking services. The bank may also receive income from investments in government securities and other financial instruments. Strategic partnerships with microfinance institutions and non-banking financial companies (NBFCs) further enhance its customer base and loan distribution, contributing to its overall revenue generation.

Jana Small Finance Bank Ltd Financial Statement Overview

Summary
Jana Small Finance Bank Ltd's financial performance is mixed. Strong gross profit margins are overshadowed by declining revenue growth and profitability margins. The balance sheet shows improved leverage, but cash flow challenges indicate potential liquidity issues.
Income Statement
65
Positive
Jana Small Finance Bank Ltd has shown a mixed performance in its income statement. The gross profit margin remains strong at 100%, indicating efficient cost management. However, the net profit margin has decreased from 25.5% in 2024 to 20.8% in 2025, reflecting a decline in profitability. The revenue growth rate is negative at -34% for 2025, which is a significant concern. EBIT and EBITDA margins have also decreased, indicating pressure on operational efficiency.
Balance Sheet
70
Positive
The balance sheet shows a stable debt-to-equity ratio of 0.94 in 2025, which is an improvement from previous years, indicating better leverage management. Return on equity has decreased to 12.2% from 18.7% in 2024, suggesting reduced efficiency in generating profits from shareholders' equity. The equity ratio is not provided, but the overall leverage position seems to be improving.
Cash Flow
50
Neutral
The cash flow statement reveals challenges, with negative operating and free cash flow in 2025. The free cash flow to net income ratio is positive at 1.03, indicating that free cash flow covers net income, but the operating cash flow to net income ratio is negative, highlighting cash flow management issues. The free cash flow growth rate is not calculable due to negative values, suggesting volatility in cash generation.
BreakdownTTMDec 2025Dec 2023Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue35.68B24.16B22.15B26.25B16.68B14.41B
Gross Profit29.96B24.16B22.15B26.25B16.68B14.41B
EBITDA4.74B5.34B3.25B7.31B862.21M1.67B
Net Income5.01B5.01B2.56B6.70B174.71M722.60M
Balance Sheet
Total Assets384.64B384.64B256.44B327.10B201.89B190.79B
Cash, Cash Equivalents and Short-Term Investments44.59B44.59B19.16B20.28B15.36B21.42B
Total Debt38.67B38.67B54.77B44.11B37.10B48.15B
Total Liabilities343.45B343.45B238.46B291.33B189.88B179.64B
Stockholders Equity41.18B41.18B17.97B35.77B12.01B11.15B
Cash Flow
Free Cash Flow0.00-25.49B-11.63B6.30B8.18B5.73B
Operating Cash Flow0.00-24.75B-11.37B12.31B8.59B6.15B
Investing Cash Flow0.00-3.21B-4.34B-7.80B-13.30B-12.66B
Financing Cash Flow0.0052.17B21.04B334.76M-2.40B19.17B

Jana Small Finance Bank Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price491.05
Price Trends
50DMA
483.54
Positive
100DMA
487.46
Positive
200DMA
451.63
Positive
Market Momentum
MACD
3.16
Negative
RSI
57.05
Neutral
STOCH
74.29
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:JSFB, the sentiment is Positive. The current price of 491.05 is above the 20-day moving average (MA) of 473.77, above the 50-day MA of 483.54, and above the 200-day MA of 451.63, indicating a bullish trend. The MACD of 3.16 indicates Negative momentum. The RSI at 57.05 is Neutral, neither overbought nor oversold. The STOCH value of 74.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:JSFB.

Jana Small Finance Bank Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
₹166.49B23.34
1.99%3.62%-9.49%
68
Neutral
$17.79B11.6410.28%3.76%9.64%1.17%
68
Neutral
₹6.82B8.82
0.84%21.83%7.14%
62
Neutral
₹51.64B11.90
13.66%-52.10%
46
Neutral
₹58.52B44.89
1.95%13.47%-115.98%
41
Neutral
₹15.16B66.17
2.38%-4.34%-285.53%
₹13.23B16.39
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:JSFB
Jana Small Finance Bank Ltd
490.55
-88.35
-15.26%
IN:CSLFINANCE
CSL Finance Limited
298.95
-166.26
-35.74%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
51.46
-31.56
-38.01%
IN:ESAFSFB
ESAF Small Finance Bank Limited
29.28
-20.85
-41.59%
IN:SURYODAY
Suryoday Small Finance Bank Limited
124.45
-62.95
-33.59%
IN:UTIAMC
UTI Asset Management Co. Ltd.
1,349.05
198.90
17.29%

Jana Small Finance Bank Ltd Corporate Events

Jana Small Finance Bank Schedules Investor Meeting for Q1 Performance Update
Aug 6, 2025

Jana Small Finance Bank Ltd has announced a scheduled investor meeting to discuss the bank’s performance update for the first quarter of the financial year 2025-26. The meeting, which will be attended by the bank’s MD & CEO, CFO, and Head of Investor Relations, is set to take place physically at the bank’s head office in Bangalore. This engagement reflects the bank’s commitment to transparency and maintaining strong communication with its investors, which could potentially impact its market positioning and stakeholder relations.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 22, 2025