JANA SMALL FIN BANK LTD
JSFB · General/Diversified · NSE
₹433
Current Market Price
Fair Value (DCF)
₹1,746
Margin of Safety
+303.1%
Updated 2d ago
YieldIQ Score
63/100
Piotroski F-Score
5/9
Economic Moat
Narrow
Confidence
55%
ROE
—
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹4,562 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.08×
Revenue per ₹ of assets
Revenue CAGR (3Y)
22.3%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹433.1
Bear case
₹1,658.48
MoS +73.9%
Base case
₹1,745.77
MoS +75.2%
Bull case
₹7,322.04
MoS +94.1%
Ratio Trends
JSFB · last 4 annual periods
ROE
12.2%
ROCE
—
Operating Margin
—
Debt / Equity
0.82×
PE
—
EV / EBITDA
—
Historical Financials
JSFB · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹1668 Cr | ₹2215 Cr | — | ₹3050 Cr | +22.3% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹17.5 Cr | ₹256 Cr | — | ₹501 Cr | +206.2% |
| EPS (diluted) | — | — | ₹34.50 | — | +0.0% |
| CFO | ₹859 Cr | ₹-1137 Cr | — | ₹4073 Cr | +68.0% |
| CapEx | ₹-40.8 Cr | ₹-26.0 Cr | — | ₹-73.4 Cr | — |
| FCF | ₹818 Cr | ₹-1163 Cr | — | ₹4000 Cr | +69.7% |
| Total Assets | ₹20.2K Cr | ₹25.6K Cr | ₹32.7K Cr | ₹38.5K Cr | +24.0% |
| Total Debt | ₹3710 Cr | ₹5477 Cr | — | ₹3377 Cr | -3.1% |
| Shareholders' Equity | ₹1201 Cr | ₹1797 Cr | — | ₹4118 Cr | +50.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
JSFB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| UTKARSHBNK UTKARSH SMALL FIN BANK L | +15.0% | 38 | Fairly valued | 0.8% | — |
| SURYODAY SURYODAY | — | — | Pending | 6.0% | — |
| ESAFSFB ESAFSFB | — | — | Pending | -26.8% | — |
| FINOPB FINOPB | — | — | Pending | 12.4% | — |
| CAPITALSFB CAPITALSFB | — | — | Pending | 9.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for JSFB in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of JSFB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for JSFB →
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Head-to-head with peers
Compare JSFB side by side →
Run Full Interactive Analysis
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Analyse JSFBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.