āagmanLoginNot investment advice. Data and computed figures, for information only.
Jana Small Finance Bank Ltd
₹480.35
−₹23.85 (−4.73%)
NSE · 15 Oct 2026, close
Market Cap
₹5,178 Cr
CMP
₹480.35
52-wk High / Low
₹607 / 330
P/E
13.6
P/B
1.2
Book Value
₹424.0
Div Yield
0.00%
ROCE
7.5%
ROE
8.0%
Face Value
₹10
D/E
9.24
Price+1.5% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
4
/ 9
4 of 9 F-score tests passed
Graham Number
₹544
√(22.5 × EPS × book value per share)
Cash flow to profit
1.82
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
8.0%
ROE × earnings retention ratio
ROE stability
6.6
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom −4.98FII +0.79DII +1.99
Latest quarter vs the previous one
Cash-accrual divergence
−0.6%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.1x)
+PE of 13.6x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 7.5% trails the sector median of 9.4%
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 885 | 979 | 1,038 | 1,112 | 1,167 | 1,166 | 1,177 | 1,184 | 1,241 | 1,305 | 1,374 | 1,445 | 1,515 |
| Expenses | 560 | 566 | 553 | 604 | 639 | 681 | 665 | 696 | 750 | 791 | 899 | 861 | 854 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 188 | 164 | 140 | 179 | 189 | 176 | 177 | 234 | 266 | 247 | 245 | 266 | 227 |
| Interest | 423 | 453 | 490 | 520 | 557 | 572 | 585 | 602 | 655 | 686 | 709 | 709 | 732 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 90 | 123 | 135 | 166 | 160 | 88 | 105 | 120 | 102 | 75 | 10 | 140 | 155 |
| Net Profit | 90 | 123 | 135 | 322 | 171 | 97 | 111 | 123 | 102 | 75 | 10 | 140 | 155 |
| EPS (₹) | 17.81 | 24.22 | 26.54 | 30.76 | 16.31 | 9.25 | 10.56 | 11.75 | 9.69 | 7.13 | 0.92 | 13.28 | 14.74 |
Profit & Loss
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,555 | 1,251 | 1,992 | 2,498 | 2,727 | 3,075 | 4,014 | 4,671 | 5,353 | 5,637 |
| Expenses | 2,844 | 2,399 | 1,322 | 1,331 | 1,627 | 1,960 | 2,222 | 2,596 | 3,213 | 3,406 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — |
| Other Income | 42 | 113 | 433 | 235 | 324 | 625 | 670 | 776 | 1,022 | 985 |
| Interest | 1,164 | 814 | 980 | 1,235 | 1,337 | 1,415 | 1,886 | 2,317 | 2,760 | 2,837 |
| Depreciation | 0 | 99 | 93 | 83 | 81 | 69 | 62 | 61 | 75 | 0 |
| Profit before tax | −2,411 | −1,949 | 30 | 84 | 5 | 256 | 514 | 474 | 326 | 380 |
| Net Profit | −2,504 | −1,949 | 30 | 84 | 5 | 256 | 670 | 501 | 326 | 380 |
| EPS (₹) | −637.29 | −413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 | 36.07 |
Balance Sheet
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 39 | 47 | 51 | 51 | 51 | 55 | 105 | 105 | 105 | — |
| Reserves | 1,490 | 476 | 843 | 926 | 999 | 1,472 | 3,473 | 4,013 | 4,365 | — |
| Other Liabilities | 558 | 487 | 550 | 763 | 938 | 1,235 | 1,350 | 1,362 | 1,696 | — |
| Total Liabilities | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,467 | 47,448 | — |
| Fixed Assets | 385 | 332 | 259 | 211 | 170 | 123 | 139 | 150 | 191 | — |
| CWIP | 0 | 2 | 1 | 1 | 1 | 5 | 3 | 3 | 8 | — |
| Investments | 1,997 | 1,468 | 2,650 | 4,698 | 5,065 | 5,221 | 6,738 | 5,945 | 9,812 | — |
| Other Assets | 7,367 | 7,644 | 11,234 | 14,181 | 14,952 | 20,295 | 25,831 | 32,369 | 37,437 | — |
| Total Assets | 9,749 | 9,446 | 14,145 | 19,091 | 20,189 | 25,644 | 32,710 | 38,467 | 47,448 | — |
| Deposits | 0 | 4,199 | 9,652 | 12,386 | 13,540 | 16,334 | 22,571 | 29,120 | 35,784 | — |
| Borrowing | 7,662 | 4,236 | 3,049 | 4,965 | 4,660 | 6,547 | 5,211 | 3,867 | 5,497 | — |
Cash Flows
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | — | 2,771 | 949 | 615 | 859 | −1,137 | 708 | 4,073 | 594 |
| Cash from Investing Activity | — | −231 | −285 | −1,266 | −1,330 | −434 | −780 | −321 | −4,133 |
| Cash from Financing Activity | — | −2,489 | −852 | 1,917 | −240 | 2,104 | 33 | −1,331 | 1,641 |
| Net Cash Flow | — | 51 | −188 | 1,266 | −711 | 532 | −39 | 2,421 | −1,898 |
Ratios
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | — | — | 7.5 |
| ROE % | −164.0 | −189.0 | 5.0 | 10.0 | 1.0 | 20.0 | 26.0 | 13.0 | 8.0 |
| EPS (₹) | −637.29 | −413.32 | 5.94 | 16.62 | 1.07 | 50.46 | 64.02 | 47.73 | 30.99 |
| Book Value (₹) | — | — | — | — | — | — | — | — | 424.0 |
| Face Value (₹) | — | — | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | — | — | 13.6 |
| Div Yield % | — | — | — | — | — | — | — | — | 0.00 |
| NPM % | −156.8 | −142.9 | 1.2 | 3.1 | 0.2 | 6.9 | 14.3 | 9.2 | 5.1 |
| OPM % | — | — | — | — | — | — | — | — | — |
| D/E | 5.01 | 16.13 | 14.21 | 17.76 | 17.33 | 14.98 | 7.76 | 8.01 | 9.24 |
| P/B | — | — | — | — | — | — | — | — | 1.2 |
Growth
Compounded sales growth
5 years+16.0%
3 years+20.0%
TTM+18.0%
Compounded profit growth
5 years+29.0%
3 years+8.0%
TTM−12.0%
Stock price CAGR
Last year+3.0%
Return on equity
5 years14.0%
3 years14.0%
Last year8.0%
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Corporate actions
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman