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Jana Small Finan

  • Market Cap: Small Cap
  • Industry: Bank - Private
  • ISIN: INE953L01027
  • NSEID: JSFB
  • BSEID: 544118
INR
452.90
8.55 (1.92%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 1.36 lacs

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

445.05469.35

52 Week

364.00760.85
Valuation
Technical
Day's Volume

CASH

1.36 lacs (-11.55%) Volume

Shareholding (Dec 2024)

FII

0.51%

Held by 14 FIIs

DII

18.46%

Held by 15 DIIs

Promoter

22.35%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets

  • Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
  • The bank has been able to generate a Return on Assets (avg) of 0% signifying low profitability per unit of total assets
2

Negative results in Dec 24

3

Stock is technically in a Mildly Bearish range

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Bank - Private

stock-summary
Market cap

INR 4,758 Cr (Small Cap)

stock-summary
Dividend Yield

0.00%

stock-summary
CAR

0.00%

stock-summary
Return on Assets

2.22%

stock-summary
Net NPA

0.94%

stock-summary
Gross NPA

2.80%

Revenue and Profits (1 Year):
Int. Earned:
1,177.41 Cr
(Quarterly Results - Dec 2024)
Net Profit:
111 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-18.84%
0%
-18.84%
1 Year
-1.25%
0%
-1.25%
2 Years
0%
0%
0.0%
3 Years
0%
0%
0.0%
4 Years
0%
0%
0.0%
5 Years
0%
0%
0.0%

Jana Small Finan for the last several years.

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Net Interest Income Growth (5y)
20.59%
Net Profit Growth (5y)
99.24%
Advance to Deposit
110.94%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.80%
Gross NPA (avg)
2.50%
Coverage Ratio (avg)
67.42%
Cost to Income (avg)
58.98%
Net Interest Margin (avg)
7.83%
Operating Profit to Assets (avg)
10.96%
ROA (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
7
Price to Book Value
1.22
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
18.24%
ROA (Latest)
2.22%
Net NPA to Book Value
6.53
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Non Institution

Pledged Promoter Holdings

None

Mutual Funds

Held by 7 Schemes (6.07%)

FIIs

Held by 14 FIIs (0.51%)

Promoter with highest holding

Jana Holdings Limited (22.35%)

Highest Public shareholder

Tpg Asia Vi Sf Pte. Ltd. (8.15%)

Individual Investors Holdings

19.2%

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Standalone) - Dec'24 - QoQ",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 0.97% vs -0.09% in Sep 2024",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2024 is 14.41% vs -43.29% in Sep 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Sep'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 1177.41,
          "val2": 1166.05,
          "chgp": "0.97%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "279.09",
          "val2": "298.65",
          "chgp": "-6.55%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.94%",
          "val2": "0.99%",
          "chgp": "-0.05%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.80%",
          "val2": "2.97%",
          "chgp": "-0.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "110.66",
          "val2": "96.72",
          "chgp": "14.41%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Standalone) - Sep'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": " Growth in half year ended Sep 2024 is 25.17% vs 33.5% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 25.35% vs 283.28% in Sep 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 2333.1,
          "val2": 1863.94,
          "chgp": "25.17%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "654.43",
          "val2": "556.10",
          "chgp": "17.68%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.99%",
          "val2": "0.00%",
          "chgp": "0.99%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.97%",
          "val2": "0.00%",
          "chgp": "2.97%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "267.28",
          "val2": "213.22",
          "chgp": "25.35%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Standalone) - Dec'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 20.97% vs 31.61% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 8.65% vs 98.81% in Dec 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Interest Earned",
          "val1": 3510.51,
          "val2": 2901.96,
          "chgp": "20.97%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "933.52",
          "val2": "851.37",
          "chgp": "9.65%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.94%",
          "val2": "0.71%",
          "chgp": "0.23%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.80%",
          "val2": "2.19%",
          "chgp": "0.61%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "377.94",
          "val2": "347.86",
          "chgp": "8.65%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Standalone) - Mar'24",
    "rhs": [
      {
        "prefix": "Interest Earned ",
        "suffix": "YoY Growth in year ended Mar 2024 is 30.51% vs 12.78% in Mar 2023",
        "dir": 1
      },
      {
        "prefix": "Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 161.57% vs 4,631.42% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
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          "field": "Interest Earned",
          "val1": 4013.05,
          "val2": 3075.01,
          "chgp": "30.51%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT)",
          "val1": "1,193.31",
          "val2": "1,000.37",
          "chgp": "19.29%",
          "chgp_class": "positive"
        },
        {
          "field": "% of Net NPAs",
          "val1": "0.56%",
          "val2": "0.00%",
          "chgp": "0.56%",
          "chgp_class": "negative"
        },
        {
          "field": "% of Gross NPAs",
          "val1": "2.11%",
          "val2": "0.00%",
          "chgp": "2.11%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Net Profit",
          "val1": "669.54",
          "val2": "255.97",
          "chgp": "161.57%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Standalone) - Dec'24 - QoQstock-summary
Dec'24
Sep'24
Change(%)
Interest Earned
1177.41
1166.05
0.97%
Operating Profit (PBDIT)
279.09
298.65
-6.55%
% of Net NPAs
0.94%
0.99%
-0.05%
% of Gross NPAs
2.80%
2.97%
-0.17%
Exceptional Items
0.00
0.00
Net Profit
110.66
96.72
14.41%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

QoQ Growth in quarter ended Dec 2024 is 0.97% vs -0.09% in Sep 2024

Direction Arrows
Net Profit

QoQ Growth in quarter ended Dec 2024 is 14.41% vs -43.29% in Sep 2024

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Standalone) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Interest Earned
2333.1
1863.94
25.17%
Operating Profit (PBDIT)
654.43
556.10
17.68%
% of Net NPAs
0.99%
0.00%
0.99%
% of Gross NPAs
2.97%
0.00%
2.97%
Exceptional Items
0.00
0.00
Net Profit
267.28
213.22
25.35%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

Growth in half year ended Sep 2024 is 25.17% vs 33.5% in Sep 2023

Direction Arrows
Net Profit

Growth in half year ended Sep 2024 is 25.35% vs 283.28% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Standalone) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Interest Earned
3510.51
2901.96
20.97%
Operating Profit (PBDIT)
933.52
851.37
9.65%
% of Net NPAs
0.94%
0.71%
0.23%
% of Gross NPAs
2.80%
2.19%
0.61%
Exceptional Items
0.00
0.00
Net Profit
377.94
347.86
8.65%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in nine months ended Dec 2024 is 20.97% vs 31.61% in Dec 2023

Direction Arrows
Net Profit

YoY Growth in nine months ended Dec 2024 is 8.65% vs 98.81% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Standalone) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Interest Earned
4013.05
3075.01
30.51%
Operating Profit (PBDIT)
1,193.31
1,000.37
19.29%
% of Net NPAs
0.56%
0.00%
0.56%
% of Gross NPAs
2.11%
0.00%
2.11%
Exceptional Items
0.00
0.00
Net Profit
669.54
255.97
161.57%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Interest Earned

YoY Growth in year ended Mar 2024 is 30.51% vs 12.78% in Mar 2023

Direction Arrows
Net Profit

YoY Growth in year ended Mar 2024 is 161.57% vs 4,631.42% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About Jana Small Finance Bank Ltd stock-summary
stock-summary
Jana Small Finance Bank Ltd
Small Cap
Bank - Private
Jana Small Finance Bank Limited was incorporated as `Janalakshmi Financial Services Private Limited' on July 24, 2006 by the RoC at Bengaluru, Karnataka as a Private Company. Subsequently, the Bank converted to a Public Company effective from August 10, 2015, and name of the Bank was changed to `Janalakshmi Financial Services Limited', on September 18, 2015. Thereafter, it received final approval, dated April 28, 2017 from the RBI, to establish and carry on business as an SFB.
Company Coordinates stock-summary
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