Jana Small Finance Bank Ltd(IN:JSFB)
₹426.85+23.60 (+5.85%)
IN:JSFB
Jana Small Finance Bank Ltd financials statements
₹426.85
At close:+23.60 (+5.85%)
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Jana Small Finance Bank Ltd (JSFB) Ratios
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Jana Small Finance Bank Ltd Ratios
IN:JSFB's free cash flow for Q2 2027 was ₹0.00. For the 2027 fiscal year, IN:JSFB's free cash flow was increased by ₹0.00 and operating cash flow was ₹0.00. See a summary of the company’s cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.07 | 0.15 | 0.46 | 6.96 | 7.94 |
| Quick Ratio | 0.07 | 0.15 | 0.46 | 6.96 | 7.94 |
| Cash Ratio | 0.07 | 0.15 | 0.37 | 6.21 | 6.52 |
| Solvency Ratio | 0.01 | 0.02 | 0.03 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.02 | -0.08 | 0.25 | -3.68 | 3.64 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 7.11 | -15.59 | 12.40 |
| Net Current Asset Value | ₹ -404.19B | ₹ -298.86B | ₹ -265.58B | ₹ -216.97B | ₹ -171.18B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.12 | 0.09 | 0.34 | 0.39 | 0.35 |
| Debt-to-Equity Ratio | 1.23 | 0.82 | 3.10 | 5.56 | 5.92 |
| Debt-to-Capital Ratio | 0.55 | 0.45 | 0.76 | 0.85 | 0.86 |
| Long-Term Debt-to-Capital Ratio | 0.55 | 0.45 | 0.00 | 0.75 | 0.74 |
| Financial Leverage Ratio | 10.61 | 9.34 | 9.14 | 14.27 | 16.81 |
| Debt Service Coverage Ratio | 0.15 | 0.24 | 0.35 | 0.22 | 0.07 |
| Interest Coverage Ratio | 0.12 | 0.20 | 0.27 | 0.18 | 0.01 |
| Debt to Market Cap | 1.45 | 0.77 | 0.06 | 2.52 | 1.81 |
| Interest Debt Per Share | 784.60 | 541.28 | 1762.90 | 1903.29 | 1581.82 |
| Net Debt to EBITDA | 7.31 | -2.03 | 15.75 | 24.86 | 56.74 |
| Profitability Margins | |||||
| Gross Profit Margin | 43.54% | 56.83% | 58.19% | 61.02% | 55.52% |
| EBIT Margin | 5.12% | 8.83% | 11.40% | 7.05% | 0.58% |
| EBITDA Margin | 6.30% | 9.96% | 12.78% | 8.94% | 3.27% |
| Operating Profit Margin | 5.12% | 8.83% | 11.40% | 7.05% | 0.58% |
| Pretax Profit Margin | 5.12% | 8.83% | 11.40% | 7.05% | 0.58% |
| Net Profit Margin | 5.12% | 9.34% | 14.84% | 7.05% | 0.58% |
| Continuous Operations Profit Margin | 5.12% | 9.34% | 14.84% | 7.05% | 0.58% |
| Net Income Per EBT | 100.00% | 105.86% | 130.17% | 100.00% | 100.00% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.69% | 1.30% | 2.05% | 1.00% | 0.09% |
| Return on Equity (ROE) | 7.30% | 12.18% | 18.72% | 14.24% | 1.46% |
| Return on Capital Employed (ROCE) | 2.80% | 5.62% | 1.89% | 1.01% | 0.09% |
| Return on Invested Capital (ROIC) | 2.80% | 5.68% | 1.88% | 3.52% | 0.25% |
| Return on Tangible Assets | 0.69% | 1.30% | 2.05% | 1.00% | 0.09% |
| Earnings Yield | 8.61% | 11.51% | 21.65% | 11.61% | 0.89% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 0.00 | 8.26 | 15.59 | 9.00 |
| Payables Turnover | 0.00 | 2.34 | 4.18 | 4.58 | 4.33 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 32.08 | 35.03 | 31.86 | 28.42 | 17.51 |
| Asset Turnover | 0.13 | 0.14 | 0.14 | 0.14 | 0.15 |
| Working Capital Turnover Ratio | -0.22 | -0.23 | -8.01 | 2.09 | -0.69 |
| Cash Conversion Cycle | 0.00 | -155.86 | -43.18 | -56.20 | -43.70 |
| Days of Sales Outstanding | 0.00 | 0.00 | 44.20 | 23.42 | 40.57 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 155.86 | 87.38 | 79.62 | 84.28 |
| Operating Cycle | 0.00 | 0.00 | 44.20 | 23.42 | 40.57 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 56.41 | -235.33 | 185.79 | -189.84 | 160.74 |
| Free Cash Flow Per Share | 44.80 | -242.30 | 175.35 | -194.19 | 153.09 |
| Dividend Paid and CapEx Coverage Ratio | 4.86 | -33.74 | 17.80 | -43.66 | 21.02 |
| Capital Expenditure Coverage Ratio | 4.86 | -33.74 | 17.80 | -43.66 | 21.02 |
| Operating Cash Flow Coverage Ratio | 0.11 | -0.73 | 0.12 | -0.11 | 0.12 |
| Operating Cash Flow to Sales Ratio | 0.09 | -0.46 | 0.30 | -0.31 | 0.29 |
| Free Cash Flow Yield | 12.44% | -58.49% | 41.78% | -52.75% | 41.58% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.61 | 8.65 | 4.62 | 8.62 | 112.56 |
| Price-to-Sales (P/S) Ratio | 0.59 | 0.81 | 0.69 | 0.61 | 0.65 |
| Price-to-Book (P/B) Ratio | 0.85 | 1.06 | 0.86 | 1.23 | 1.64 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.04 | -1.71 | 2.39 | -1.90 | 2.40 |
| Price-to-Operating Cash Flow Ratio | 6.38 | -1.76 | 2.26 | -1.94 | 2.29 |
| Price-to-Earnings Growth (PEG) Ratio | -0.33 | -0.18 | 0.05 | 0.00 | -1.20 |
| Enterprise Value Multiple | 16.74 | 6.13 | 21.12 | 31.65 | 76.75 |
| Enterprise Value | 67.29B | 32.75B | 121.71B | 102.75B | 75.43B |
| EV to EBITDA | 16.74 | 6.13 | 21.12 | 31.65 | 76.75 |
| EV to Sales | 1.06 | 0.61 | 2.70 | 2.83 | 2.51 |
| EV to Free Cash Flow | 14.27 | -1.28 | 9.42 | -8.83 | 9.22 |
| EV to Operating Cash Flow | 11.33 | -1.32 | 8.89 | -9.04 | 8.79 |
| Tangible Book Value Per Share | 424.80 | 391.53 | 485.38 | 300.03 | 224.78 |
| Shareholders’ Equity Per Share | 424.80 | 391.53 | 485.38 | 300.03 | 224.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.00 | -0.06 | -0.30 | 0.00 | 0.00 |
| Revenue Per Share | 605.78 | 510.20 | 612.07 | 606.02 | 562.58 |
| Net Income Per Share | 31.02 | 47.67 | 90.85 | 42.73 | 3.27 |
| Tax Burden | 1.00 | 1.06 | 1.30 | 1.00 | 1.00 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.23 | 0.05 | 0.05 | 0.04 | 0.04 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.82 | -4.94 | 2.04 | -4.44 | 49.14 |
Currency in INR
