Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
JSFB.NS
HoldHot AirJana Small Finance Bank Limited · Financial Services · India · $602M · Avg Vol: $4M/d
56
StockRankGet insider-trade alerts
Q
32
V
46
M
73
P/E (TTM)
14.9x
ROE
7.3%
D/E
1.0x
Dividend %
—
COMPANY DESCRIPTION
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 22.2B | 26.2B | 30.1B | 33.5B | 14.8% | 29.6B | 39.3B | 46.3B | 17.5% |
| EPS (INR) | 24.47 | 90.85 | 47.89 | 31.02 | 8.2% | 36.11 | 65.33 | 68.00 | 48.1% |
| Shares | 104.6M | 104.6M | 105.1M | 105.3M | +0.7% | 105.8M | — | — | — |
| Debt | 54.8B | 44.1B | 33.8B | 45.5B | -6.0% | 55.2B | — | — | — |
| Equity | 18.0B | 35.8B | 41.2B | 44.7B | 35.5% | — | — | — | — |
| Op CF | -11.4B | 7.1B | 40.7B | 5.9B | -8.4% | 6.0B | — | — | — |
| Inv CF | -4.3B | -7.8B | -3.2B | -41.3B | — | — | — | — | — |
| Fin CF | 21.0B | 334.8M | -13.3B | 16.4B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-10.5%
SMA 50SMA 200
Close
$5.39
RSI (14)
16.3
52W High
$6.35
From 52W High
0.8%
SCORE BREAKDOWN
Quality
32
ROIC (ROA)
0.7%*27.7
ROE
7.3%35.6
GP/Assets
6.2%N/A
Op. Margin
18.7%35.0
FCF/Assets
1.0%N/A
Piotroski
320.9
Int. Cover
—50.0
D/E Ratio
1.02xN/A
Current Ratio
bankN/A
Value
46
P/E (TTM)
14.9x39.2
EV/EBITDA
bankN/A
P/FCF
12.1xN/A
P/B
1.3x47.0
P/S
1.9x76.4
Div Yield
—N/A
Momentum
73
52W High %
85%35.0
RS 6M
50%97.0
SMA 50/200
1.19x92.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+89%81.6
Q Growth
52%74.1
FUNDAMENTALS
Market Cap
$602M
P/E (Forward)
7.9x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of JSFB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| JSFB.NS | Jana Small Finance Bank Limited(you) | $602M | 56 | Hold |
| CSBBANK.NS | CSB Bank Limited | $559M | 43 | Hold |
| UJJIVANSFB.NS | Ujjivan Small Finance Bank Limited | $1.3B | 62 | Hold |
| EQUITASBNK.NS | Equitas Small Finance Bank Limited | $875M | 36 | Hold |
| J&KBANK.NS | Jammu and Kashmir Bank Limited | $1.7B | 66 | Buy |
| CENTRALBK.NS | Central Bank of India | $3.0B | 57 | Hold |
| DCBBANK.NS | DCB Bank Limited | $780M | 88 | Strong Buy |
| CUB.NS | City Union Bank Limited | $2.4B | 47 | Hold |
| SOUTHBANK.NS | The South Indian Bank Limited | $1.3B | 81 | Strong Buy |
| ESAFSFB.NS | ESAF Small Finance Bank | $226M | 36 | Hold |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%