Jana Small Finance Bank, 544118, JSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

4,922.87
11.37
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,973.63
N/A
1.17

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
14.92
-3.91

EBITDA CAGR (%)

10 Years
5 Years
3 Years

12.08
42.84
25.12

PAT CAGR (%)

10 Years
5 Years
3 Years

1.39
1.39

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Interest Earned 1,250.16 1,167.06 7.12% 1,199.28 1,111.85 7.86% 1,177.41 1,038.03 13.43% 1,166.05 979.03 19.10%
Interest Exp. 655.06 557.31 17.54% 602.38 520.06 15.83% 584.83 489.54 19.47% 572.14 453.27 26.22%
Net Interest Income 595.10 609.74 -2.40% 596.90 591.78 0.87% 592.59 548.49 8.04% 593.91 525.76 12.96%
NIM 6.90 8.00 -13.75% 7.40 8.00 -7.50% 7.30 0.00 0 7.80 7.90 -1.27%
Other Income 265.99 189.01 40.73% 233.88 179.10 30.59% 177.40 139.52 27.15% 175.56 163.55 7.34%
Total Income 1,516.15 1,356.07 11.80% 1,433.16 1,290.95 11.02% 1,354.82 1,177.54 15.06% 1,341.61 1,142.58 17.42%
Operating Exp. 562.95 442.98 27.08% 537.93 428.95 25.41% 490.90 392.73 25.00% 470.82 406.23 15.90%
Operating Profit 298.14 355.78 -16.20% 292.85 341.94 -14.36% 279.09 295.27 -5.48% 298.65 283.09 5.50%
Provision 196.21 195.65 0.29% 173.01 175.45 -1.39% 173.75 160.63 8.17% 210.28 160.23 31.24%
PBT 101.92 160.13 -36.35% 119.84 166.49 -28.02% 105.34 134.64 -21.76% 88.38 122.85 -28.06%
PBTM 8.15 13.72 -40.60% 9.99 14.97 -33.27% 8.95 12.97 -30.99% 7.58 12.55 -39.60%
TAX 0.00 -10.43 - -3.64 -155.19 - -5.32 0.00 - -8.34 0.00 -
PAT 101.92 170.56 -40.24% 123.48 321.68 -61.61% 110.66 134.64 -17.81% 96.72 122.85 -21.27%
PATM 8.15% 14.61% 10.30% 28.93% 9.40% 12.97% 8.29% 12.55%
EPS 9.69 16.31 -40.59% 11.75 30.76 -61.80% 10.56 18.29 -42.26% 9.25 16.71 -44.64%
Gross NPA 824.93 645.93 27.71% 749.60 494.33 51.64% 757.81 487.21 55.54% 754.65 521.31 44.76%
Gross NPA% 2.91 2.62 11.07% 2.71 2.11 28.44% 2.80 2.19 27.85% 2.97 2.44 21.72%
Net NPA 262.74 240.75 9.13% 254.19 130.02 95.50% 250.51 156.42 60.15% 247.28 182.89 35.21%
Net NPA% 0.94 0.99 -5.05% 0.94 0.56 67.86% 0.94 0.71 32.39% 0.99 0.87 13.79%
CASA 17.80 20.40 -12.75% 18.00 19.70 -8.63% 18.43 18.80 -1.97% 20.10 0.00 0

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Net Interest Income 2,378.49 2,393.13 2,127.91 1,660.02 1,389.78 1,263.13 -1,231.74 -755.10 -319.47 -160.40 0.00 Interest Earned 4,792.90 4,709.79 4,013.81 3,075.01 2,726.53 2,497.71 0.00 0.00 0.00 0.00 0.00 Interest Expended 2,414.41 2,316.66 1,885.90 1,414.99 1,336.75 1,234.58 1,231.74 755.10 319.47 160.40 0.00 Int. income Growth 4.51% 12.46% 28.19% 19.44% 10.03% 202.55% -63.12% -136.36% -99.17% 0 Other Income 852.83 775.86 670.24 624.86 335.83 235.08 158.17 152.24 69.02 25.68 13.55 Total Income 5,645.74 3,168.99 2,798.15 2,284.88 1,725.61 1,498.21 -1,073.57 -602.86 -250.45 -134.72 13.55 Total Expenditure 2,062.60 2,634.76 2,221.90 1,960.22 1,627.33 1,331.22 -13.98 -34.55 -19.34 -1.15 -2.91 Employee Cost - 1,210.42 974.67 777.58 698.99 617.50 486.69 275.49 123.02 67.62 0.00 % Of Sales - 25.70% 24.28% 25.29% 25.64% 24.72% 0 0 0 0 0 Opt. & Establishment Exp. - 792.77 692.09 575.62 520.64 512.49 -541.87 -347.39 -141.66 -71.69 2.91 % Of Sales - 16.83% 17.24% 18.72% 19.10% 20.52% 0 0 0 0 0 Provisions - 752.69 678.96 744.40 569.32 366.59 164.92 108.03 31.72 18.30 0.00 % Of Sales - 15.98% 16.92% 24.21% 20.88% 14.68% 0 0 0 0 0 EBITDA 1,168.72 534.23 576.25 324.66 98.28 166.99 13.98 34.55 19.34 1.15 2.91 EBITDA Margin 56.97% 22.32% 27.08% 19.56% 7.07% 13.22% 0 0 0 0 0 Depreciation 0.00 60.56 61.91 68.69 80.81 82.68 61.86 35.34 16.21 7.69 2.91 PBT 415.48 473.68 514.35 255.97 17.47 84.31 255.22 238.21 108.50 73.96 10.64 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 -150.00 0.00 1.35 0.00 0.00 Provision for Tax -17.30 -27.74 -155.19 0.00 0.00 0.00 85.11 77.92 33.08 23.33 -7.42 Tax Rate -4.16% -5.86% -30.17% 0.00% 0.00% 0.00% 80.89% 32.71% 30.11% 31.54% -69.74% PAT 432.78 501.42 669.54 255.97 17.47 84.31 170.11 160.29 75.41 50.63 18.06 PAT before Minority Interest 432.78 501.42 669.54 255.97 17.47 84.31 170.11 160.29 75.41 50.63 18.06 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 13.39% 15.82% 23.93% 11.20% 1.01% 5.63% 0 0 0 0 133.28% PAT Growth -42.28% -25.11% 161.57% 1365.20% -79.28% -50.44% 6.13% 112.56% 48.94% 180.34% EPS 41.14 47.66 63.64 24.33 1.66 8.01 16.17 15.24 7.17 4.81 1.72

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 4,118.35 3,577.10 1,797.26 1,200.70 1,126.86 513.96 190.70 95.59 43.17 Share Capital 105.06 104.59 324.98 201.41 200.73 63.56 7.41 0.99 0.71 Total Reserves 3,986.55 3,461.91 1,452.09 983.15 912.09 450.40 183.28 94.60 42.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 29,119.78 22,571.25 16,334.02 13,536.49 12,385.93 0.00 0.00 0.00 0.00 Borrowings 3,866.82 5,211.46 6,277.46 4,509.83 4,815.32 0.00 0.00 0.00 0.00 Other Liabilities & Provisions 1,358.67 1,349.98 1,234.96 941.68 753.07 0.00 0.00 0.00 0.00 Total Liabilities 38,463.62 32,709.79 25,643.70 20,188.70 19,081.18 513.96 190.70 95.59 43.17 Net Block 149.96 138.65 122.60 170.47 210.82 31.04 9.17 7.87 8.58 Gross Block 722.81 688.05 633.86 668.62 644.03 48.33 18.81 14.60 12.24 Accumulated Depreciation 572.84 549.41 511.25 498.15 433.21 17.29 9.64 6.73 3.66 Total Non-Current Assets 37,712.55 32,043.24 25,195.83 19,780.67 18,781.72 580.68 239.57 90.98 33.84 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 3.21 2.94 5.14 1.18 1.24 0.00 0.00 0.00 0.01 Cash and balance with RBI 2,816.06 1,025.59 1,010.94 1,530.02 462.47 0.00 0.00 0.00 0.00 Balance with banks and money at call 1,643.26 1,027.10 1,076.37 7.07 1,797.48 0.00 0.00 0.00 0.00 Investments 5,944.58 6,737.69 5,221.22 5,065.26 4,697.79 549.64 230.40 83.11 25.25 Advances 27,155.48 23,111.27 17,759.56 13,006.67 11,611.92 0.00 0.00 0.00 0.00 Other Assets 751.06 666.54 447.85 408.03 299.46 0.00 0.00 0.00 0.00 Total Assets 38,463.61 32,709.78 25,643.68 20,188.70 19,081.18 580.68 239.57 90.98 33.84 Contingent Liabilities 209.97 263.50 77.18 41.74 47.46 0.00 0.00 0.00 0.00 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 389.47 341.00 274.12 201.23 189.79 80.86 257.18 969.93 603.91

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 4,073.25 707.82 -1,137.18 858.61 628.80 -1,026.63 -543.99 -168.80 -64.00 PBT 473.68 514.35 255.97 17.47 84.31 73.96 23.61 1.22 -2.18 Adjustment 841.70 755.96 821.56 654.65 463.75 5.61 -0.73 3.32 1.16 Adjustments for Liabilities & Assets 2,775.13 -545.12 -2,205.35 189.25 84.88 -1,079.67 -559.45 -173.65 -63.05 Refund/(Payment) of direct taxes -17.25 -17.38 -9.36 -2.77 -4.14 -26.53 -7.42 0.31 0.08 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -321.02 -780.09 -434.46 -1,330.37 -1,265.74 -15.54 -4.24 -0.73 25.93 Net Fixed Assets -35.03 -51.99 30.80 -24.53 -596.94 -29.52 -4.21 -2.35 Other Investment Activity -1506.11 -1125.45 -1969.37 -1935.54 -660.81 -52.57 -19.54 11.33 Cash from Financing Activity -1,331.44 33.48 2,103.62 -239.52 1,916.59 1,338.04 615.93 234.95 56.94 Closing Cash & Equivalent 4,447.82 2,027.03 2,066.88 1,534.91 2,259.95 438.83 142.96 75.26 27.26 Net Cash Inflow / Outflow 2,420.79 -38.79 531.97 -711.28 1,279.65 295.87 67.70 65.42 18.87 Opening Cash & Equivalents 2,027.03 2,065.83 1,534.91 2,246.19 980.30 142.96 75.26 9.83 8.40

Financial Ratios

Standalone

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 17 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 389.47 341.00 274.12 201.23 189.79 872.79 80.86 257.18 969.93 603.91 NIM 6.37 6.67 6.62 7.09 6.80 11.17 0.00 0.00 0.00 0.00 Yield on Advances 17.34 17.37 17.31 20.96 21.51 24.30 0.00 0.00 0.00 0.00 Yield on Investments 6.73 5.32 6.29 5.14 4.10 7.35 0.00 0.00 0.00 0.00 Cost of Liabilities 7.02 6.79 6.26 7.41 7.18 10.54 0.00 0.00 0.00 0.00 Interest Spread 10.32 10.58 11.06 13.56 14.33 13.76 0.00 0.00 0.00 0.00 ROCE 9.74% 11.18% 9.70% 7.28% 9.08% 9.49% 1.41% 1.51% 0.34% -1.43% Cost Income Ratio 61.30 57.35 56.22 66.00 69.90 68.01 0.00 0.00 0.00 0.00 Core Cost Income Ratio 61.75 57.54 56.29 66.17 70.89 68.41 0.00 0.00 0.00 0.00 Operating Costs to Assets 5.05 4.91 5.01 5.64 5.49 8.00 0.00 0.00 0.00 0.00 Loans/Deposits 0.13 0.23 0.38 0.33 0.39 0.00 0.00 0.00 0.00 0.00 Cash/Deposits 0.10 0.05 0.06 0.11 0.04 0.00 0.00 0.00 0.00 0.00 Investment/Deposits 0.20 0.30 0.32 0.37 0.38 0.00 0.00 0.00 0.00 0.00 Inc Loan/Deposits 13.28% 23.09% 38.43% 33.32% 38.88% 0.00% 0.00% 0.00% 0.00% 0.00% Credit Deposits 93.25% 102.39% 108.73% 96.09% 93.75% 0.00% 0.00% 0.00% 0.00% 0.00% Interest Expended / Interest earned 49.19% 46.99% 46.02% 49.03% 49.43% 43.56% 0.00% 0.00% 0.00% 0.00% Interest income / Total funds 12.24% 12.27% 11.99% 13.51% 13.09% 18.97% 0.00% 0.00% 0.00% 0.00% Interest Expended / Total funds 6.02% 5.77% 5.52% 6.62% 6.47% 8.27% 0.00% 0.00% 0.00% 0.00% CASA 17.98% 19.70% 20.21% 22.52% 16.76% 0.00% 0.00% 0.00% 0.00% 0.00%