Jana Small Finance Bank Ltd (IN:JSFB)
:JSFB
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JSFB Stock Chart & Stats
₹414.60
₹6.15(1.54%)
At close: 4:00 PM EST
₹414.60
₹6.15(1.54%)
Day’s Range― - ―
52-Week Range₹330.30 - ₹528.00
Previous CloseN/A
Volume470.93K
Average Volume (3M)5.69K
Market Cap
₹49.05B
Enterprise Value₹81.55B
Total Cash (Recent Filing)₹26.83B
Total Debt (Recent Filing)₹38.10B
Price to Earnings (P/E)15.1
Beta0.68
Next Earnings
Jul 28, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)39.15
Shares Outstanding105,341,050
10 Day Avg. Volume4,739
30 Day Avg. Volume5,692
Financial Highlights & Ratios
PEG Ratio-0.34
Price to Book (P/B)0.87
Price to Sales (P/S)0.61
P/FCF Ratio8.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)58.15
Revenue Forecast (FY)₹43.02B
Bulls Say, Bears Say
Bulls Say
Consistent Revenue And Asset GrowthSustained top-line and balance-sheet expansion indicates the bank is scaling its core franchise. Growing assets and revenues support higher net interest income potential, broader deposit mobilisation and product cross-sell, underpinning durable earnings capacity over the medium term.
Improving Leverage And Balance Sheet ResilienceMarked reduction in leverage improved financial flexibility and regulatory resilience. Lower debt-to-equity reduces funding stress and increases room to originate loans or absorb shocks, enabling steadier growth and a stronger capital position over the coming quarters.
Business Model Focused On Underbanked SegmentsConcentrated exposure to underbanked retail, microfinance and MSME markets provides structural demand and customer stickiness. Diverse product mix across secured and unsecured lending plus branch and digital channels supports resilient deposit sourcing and long-term market penetration.
Bears Say
Weakened Profitability And Margin CompressionSharp decline in net income signals margin pressure and deteriorating earnings quality. Persistent profit contraction constrains retained earnings, limits capital build-up and curtails the bank's ability to fund growth or absorb credit shocks without external capital over the medium term.
Volatile Cash GenerationLarge year-to-year swings in operating and free cash flow reduce predictability of internal funding. This volatility can increase reliance on wholesale funding or deposits at sensitive times, making long-term planning, investment and loan growth more difficult and riskier.
Declining Capital Efficiency And Meaningful Absolute DebtHigh absolute borrowings coupled with a steep ROE decline point to weakening capital efficiency. Lower returns on equity reduce shareholder upside and indicate the bank may need to improve underwriting, pricing or cost structure to restore long-term profitability and justify incremental leverage.
Jana Small Finance Bank Ltd News
JSFB FAQ
What was Jana Small Finance Bank Ltd’s price range in the past 12 months?
Jana Small Finance Bank Ltd lowest stock price was ₹330.30 and its highest was ₹528.00 in the past 12 months.
What is Jana Small Finance Bank Ltd’s market cap?
Jana Small Finance Bank Ltd’s market cap is ₹49.05B.
When is Jana Small Finance Bank Ltd’s upcoming earnings report date?
Jana Small Finance Bank Ltd’s upcoming earnings report date is Jul 28, 2026 which is in 47 days.
How were Jana Small Finance Bank Ltd’s earnings last quarter?
Jana Small Finance Bank Ltd released its earnings results on Apr 29, 2026. The company reported ₹13.28 earnings per share for the quarter, beating the consensus estimate of N/A by ₹13.28.
Is Jana Small Finance Bank Ltd overvalued?
According to Wall Street analysts Jana Small Finance Bank Ltd’s price is currently Overvalued.
Does Jana Small Finance Bank Ltd pay dividends?
Jana Small Finance Bank Ltd does not currently pay dividends.
What is Jana Small Finance Bank Ltd’s EPS estimate?
Jana Small Finance Bank Ltd’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Jana Small Finance Bank Ltd have?
Jana Small Finance Bank Ltd has 105,341,050 shares outstanding.
What happened to Jana Small Finance Bank Ltd’s price movement after its last earnings report?
Jana Small Finance Bank Ltd reported an EPS of ₹13.28 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -5.207%.
Which hedge fund is a major shareholder of Jana Small Finance Bank Ltd?
Currently, no hedge funds are holding shares in IN:JSFB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Jana Small Finance Bank Ltd
Based in Bengaluru, India, Jana Small Finance Bank Limited delivers a wide array of financial products and services to both individual clients and corporate entities throughout the nation. Its operations are structured across several key segments: Treasury, Retail Banking, Corporate/Wholesale Banking, and other banking activities. The bank offers diverse deposit options, including current, savings, fixed, and recurring accounts. Its lending solutions span two-wheeler, group, business, gold, home improvement, and agricultural loans (both for groups and individuals), alongside standard home loans, and also provides educational resources on managing loan repayments. Additionally, the bank extends life, general, and health insurance products, provides various card services, and facilitates investment and payment solutions. Customers can conveniently access its services via mobile, internet, and corporate internet banking platforms. The institution, which commenced operations in 1999, adopted its current name in March 2018, having previously been known as Janalakshmi Financial Services Limited.
Technical Analysis
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