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Swing Capital

Jana Small Finance Bank Ltd

NSE: JSFB BSE: 544118Banking

Incorporated in 2006, Jana Small Finance Bank Ltd provides a wide range of banking and financial services[1]

₹461
52W: ₹330 — ₹553
PE 14.9 · Book ₹421 · +10% vs book
Market Cap₹4,852 Cr
Stock P/E14.9Price to Earnings
ROCE7.45%Return on Capital
ROE7.63%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 1.13 times its book value

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Promoter holding is low: 21.8%
  • −Tax rate seems low
  • −Earnings include an other income of Rs.1,022 Cr.

Shareholding Pattern

Promoters21.85%
FIIs4.31%
DIIs14.29%
Public57.57%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters22.54%22.38%▼0.222.35%▼0.022.28%▼0.121.88%▼0.421.87%▼0.021.86%▼0.021.85%▼0.0
FIIs1.02%1.09%▲0.10.51%▼0.60.89%▲0.40.28%▼0.61.21%▲0.94.11%▲2.94.31%▲0.2
DIIs17.73%17.99%▲0.318.47%▲0.515.89%▼2.616.03%▲0.114.81%▼1.212.92%▼1.914.29%▲1.4
Public58.71%58.53%▼0.258.67%▲0.160.94%▲2.361.81%▲0.962.12%▲0.359.14%▼3.057.57%▼1.6

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses553604639681665696759791899861
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit135322171971111231027510140
EPS ₹26.5430.7616.319.2510.5611.759.697.130.9213.28

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 14.29% (-3.41pp change). FIIs: 4.31% (+3.16pp change). Promoters hold 21.85%.

Margin & Efficiency

ROCE improving from 0% (Mar 2018) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 14.9x with 7.45% ROCE. Price is 10% above book value of ₹421. Dividend yield: 0%.

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