āagman

Not investment advice. Data and computed figures, for information only.

Jio Financial Services Ltd

NSE: JIOFINF&O
₹219.01
+₹0.01 (+0.00%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹1,41,717 Cr
CMP
₹219.01
52-wk High / Low
₹317 / 209
P/E
68.6
P/B
1.0
Book Value
₹211.0
Div Yield
0.28%
ROCE
2.0%
ROE
1.2%
Face Value
₹10
D/E
0.16

Price−28.9% over 1Y

āagman read

Computed by āagman
Derived from 4 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹108
√(22.5 × EPS × book value per share)
ROIC
1.2%
vs 10.0% sector median
Cash flow to profit
−9.89
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Margin change
−496
bps OPM YoY
Operating margin vs the same quarter last year
Sustainable growth
1.0%
ROE × earnings retention ratio
ROE stability
0.5
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +2.01FII −1.04DII −0.99
Latest quarter vs the previous one
Cash-accrual divergence
11.4%
of assets
Low = accruals track cash flow
Strengths
Watch-outs
−Latest ROCE of 2% trails the sector median of 9.4%
−Price trades below its 200-day moving average (0.9x)
−Price is 30.9% below its 52-week high
−Piotroski F-Score of 3/9 is in the weak band (≤3)
−Balance-sheet accruals of 11.4% of average assets — earnings are not cash-backed

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales4146084144184186944384936129819011,0192,004
Expenses3866949874140125155156293346414607
Operating Profit3765423203203445533133384576885556051,397
OPM %90.8%89.1%77.3%76.6%82.3%79.7%71.5%68.6%74.7%70.1%61.6%59.4%69.7%
Other Income6721867786222670716723836400
Interest10000000899136212298418
Depreciation5555566668889
Profit before tax427754381393400773377396419783371339970
Net Profit332668294311313689295316325695269272830
EPS (₹)—1.050.460.490.491.080.460.500.511.090.420.431.26

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 4 years + TTM
Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales451,8552,0433,5214,905
Expenses62964951,2081,660
Operating Profit391,5591,5492,3123,245
OPM %86.7%84.0%75.8%65.7%66.2%
Other Income10429428374314
Interest01087451,065
Depreciation022232933
Profit before tax491,9561,9471,9122,462
Net Profit311,6051,6131,5612,066
EPS (₹)—2.532.542.463.20

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital26,3536,3536,353—
Reserves1,14,1181,32,7941,17,1431,27,500—
Borrowings74303,97021,768—
Other Liabilities665,7156,0337,845—
Total Liabilities1,14,9301,44,8631,33,5001,63,467—
Fixed Assets158172180326—
CWIP38314105—
Investments1,08,1411,33,2921,18,9101,33,089—
Other Assets6,59311,39514,39529,947—
Total Assets1,14,9301,44,8631,33,5001,63,467—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity2,055−678−10,089−15,439
Cash from Investing Activity−1,1101,4416,406−5,652
Cash from Financing Activity−889−7533,96821,454
Net Cash Flow5611285363

Ratios

As of 31 Mar 2026
4 periods
Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %—2.01.02.0
ROE %———1.2
EPS (₹)—2.532.542.46
Book Value (₹)———211.0
Face Value (₹)———10
P/E———68.6
Div Yield %———0.28
NPM %56.470.365.340.1
OPM %88.084.076.066.0
D/E0.010.000.030.16
P/B———1.0

Growth

As of 11 Oct 2026
Compounded sales growth
3 years+328.0%
TTM+119.0%
Compounded profit growth
3 years+293.0%
TTM+29.0%
Stock price CAGR
3 years−2.0%
Last year−30.0%
Return on equity
3 years1.0%
Last year1.0%

Shareholding pattern

As of 30 Jun 2024
Sep 2023Dec 2023Mar 2024Jun 2024
Promoters47.12%47.12%47.12%49.13%
FIIs19.45%11.66%12.31%11.27%
DIIs12.50%14.21%14.26%13.27%
Government0.14%0.17%0.18%0.18%
Public20.77%26.83%26.11%26.15%
No. of shareholders43,99,04152,59,48349,44,25649,65,496
Change since Sep 2023 (pp)
Promoters +2.01FIIs −8.18DIIs +0.77Public +5.38

Documents

As of 11 Oct 2026
Announcements
Board Meeting Intimation for Considering And Approving The Standalone And Consolidated Unaudited Financial Results Of The Company For The Quarter And Half Year Ended September 30, 2026Announcement under Regulation 30 (LODR)-AcquisitionClosure of Trading WindowUpdate On Institutional Investors' MeetingAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingApr 2026TranscriptApr 2026PPTApr 2026RecordingJan 2026TranscriptJan 2026PPTJan 2026RecordingNov 2025TranscriptNov 2025RecordingOct 2025PPT

Corporate actions

As of 10 Aug 2026
10 Aug 2026DIVIDENDDividend - Rs 0.60 Per Share—
11 Aug 2025DIVIDENDDividend - Re 0.50 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman