Jana Small Finance Bank Ltd (JSFB) AI Stock Analysis

• Market Cap: ₹42.22B
• Dividend Yield: N/A
• Average Volume (3M): 5.69K
• Price to Earnings (P/E): 115.5
• Beta (1Y): 1.00
• Revenue Growth: 13.36%
• EPS Growth: -50.07%
• Country: IN
• Employees: 21,800
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.92
• Shares Outstanding: 105,324,554
• 10 Day Avg. Volume: 4,739
• 30 Day Avg. Volume: 5,692
• 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 Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 72
• Revenue Forecast (FY): ₹41.70B

• Rating: 58 Neutral
• Price Target: ₹358.00 ▼(-13.65% Downside)
• Action: Reiterated Date: 02/10/26
• Date: Action: Reiterated 02/10/26

The score is primarily held back by weaker financial performance—especially the -34% revenue decline, margin compression, and negative operating/free cash flow—despite improved leverage. Technicals are weak-to-neutral with price below key longer-term moving averages and a negative MACD. Valuation is reasonable on P/E, but lack of dividend yield data limits additional support.

Positive Factors

Improved leverage

A lower debt-to-equity (0.94) indicates better leverage management, improving financial flexibility and reducing funding strain. This durable improvement helps the bank absorb credit stress, lower interest burden on operations and supports measured growth without over-reliance on external debt.

Negative Factors

Revenue contraction

A large revenue decline (-34% in 2025) is a structural concern: it weakens scale economies, limits fee income and reduces the base for restoring margins. Prolonged revenue contraction can force cost cuts, slow branch/digital investments and impede long-term market share gains.

Jana Small Finance Bank Ltd Business Overview & Revenue Model

Company Description

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 o...

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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 o...

How the Company Makes Money

JSFB primarily makes money through (1) interest income from lending and (2) fee and other income from banking services, with profitability driven by the spread between what it earns on loans and what it pays on deposits and borrowings. 1) Net int...

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JSFB primarily makes money through (1) interest income from lending and (2) fee and other income from banking services, with profitability driven by the spread between what it earns on loans and what it pays on deposits and borrowings. 1) Net int...

Jana Small Finance Bank Ltd Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	57.37B	53.67B	45.11B	36.30B	30.05B	26.76B
Gross Profit	23.43B	30.50B	26.25B	22.15B	16.68B	14.41B
EBITDA	4.02B	5.34B	5.76B	3.25B	982.86M	1.55B
Net Income	4.11B	5.01B	6.70B	2.56B	174.71M	722.60M
Balance Sheet
Total Assets	421.88B	384.64B	327.10B	256.44B	201.89B	190.79B
Cash, Cash Equivalents and Short-Term Investments	26.83B	44.59B	20.28B	19.16B	15.36B	21.42B
Total Debt	38.10B	38.67B	111.06B	99.86B	71.13B	48.15B
Total Liabilities	378.73B	343.45B	291.33B	238.46B	189.88B	179.64B
Stockholders Equity	43.14B	41.18B	35.77B	17.97B	12.01B	11.15B
Cash Flow
Free Cash Flow	-26.12B	-25.49B	12.92B	-11.63B	8.18B	5.73B
Operating Cash Flow	-25.70B	-24.75B	13.69B	-11.37B	8.59B	6.15B
Investing Cash Flow	-25.72B	-3.21B	-7.80B	-4.34B	-13.30B	-12.66B
Financing Cash Flow	33.64B	52.17B	334.76M	49.01B	9.11B	19.17B

Jana Small Finance Bank Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 414.60
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 414.6 is above the 20-day moving average (MA) of 362.55, above the 50-day MA of 368.99, and below the 200-day MA of 438.49, indicating a neutral trend. The MACD of 5.10 indicates Negative momentum. The RSI at 63.04 is Neutral, neither overbought nor oversold. The STOCH value of 93.92 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CSLFINANCE	66 Neutral	₹5.58B	8.12	―	0.93%	17.32%	13.66%
UTIAMC	65 Neutral	₹124.01B	29.94	―	2.30%	-9.65%	-30.52%
JSFB	58 Neutral	₹42.22B	115.46	―	―	13.36%	-50.07%
EQUITASBNK	56 Neutral	₹69.64B	19.93	―	1.63%	10.02%	-120.18%
SURYODAY	51 Neutral	₹14.65B	10.24	―	―	―	―
ESAFSFB	44 Neutral	₹12.37B	48.24	―	2.64%	-8.71%	-2192.08%

Jana Small Finance Bank Ltd Corporate Events