ScoreWhy is Jana Small Finance Bank Ltd ?
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
- PBT LESS OI(Q) At Rs -72.06 cr has Fallen at -114.6 %
- PAT(Q) At Rs 110.66 cr has Fallen at -38.8 %
- OPERATING PROFIT TO NET SALES(Q) Lowest at 8.64%
3
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 27-Mar-25 and has generated 12.43% returns since then
- A key technical factor - RSI has been Bearish since 27 Mar 2025
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Bank - Private)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Jana Small Finan for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Jana Small Finan
-1.25%
-0.04
54.96%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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
ValuationValuation 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
Loading Valuation Snapshot...
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 1,177.41 cr
-11What is not working for the Company
PBT LESS OI(Q)
At Rs -72.06 cr has Fallen at -114.6 %
PAT(Q)
At Rs 110.66 cr has Fallen at -38.8 %
OPERATING PROFIT TO NET SALES(Q)
Lowest at 8.64%
PBDIT(Q)
Lowest at Rs 101.69 cr.
NON-OPERATING INCOME(Q)
is 168.41 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Jana Small Finan
Interest Earned - Quarterly
Highest at Rs 1,177.41 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Here's what is not working for Jana Small Finan
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -72.06 cr has Fallen at -114.6 %
over average PBT of the previous four quarters of Rs -33.58 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 110.66 cr has Fallen at -38.8 %
over average PAT of the previous four quarters of Rs 180.90 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Operating Profit Margin - Quarterly
Lowest at 8.64% and Fallen
each quarter in the last five quartersMOJO Watch
Company's efficiency has deteriorated
Operating Profit to Sales
Operating Profit (PBDIT) - Quarterly
Lowest at Rs 101.69 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (Rs Cr)
Non Operating Income - Quarterly
is 168.41 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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