Jana Small Finance Bank, 544118, JSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

4,415.66
6.31
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,601.53
N/A
1.12

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
-13.22

EBITDA CAGR (%)

10 Years
5 Years
3 Years

24.40
-
237.15

PAT CAGR (%)

10 Years
5 Years
3 Years

1.48
1.48

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 1,177.41 1,038.03 13.43% 1,166.05 979.03 19.10% 1,167.06 884.91 31.88% 1,111.08 848.53 30.94%
Interest Exp. 584.83 489.54 19.47% 572.14 453.27 26.22% 557.31 423.04 31.74% 520.06 381.21 36.42%
Net Interest Income 592.59 548.49 8.04% 593.91 525.76 12.96% 609.74 461.87 32.02% 591.02 467.32 26.47%
NIM 7.30 0.00 0 7.80 7.90 -1.27% 8.00 0.00 0 8.00 7.80 2.56%
Other Income 177.40 139.52 27.15% 175.56 163.55 7.34% 189.01 188.08 0.49% 179.87 161.25 11.55%
Total Income 1,354.82 1,177.54 15.06% 1,341.61 1,142.58 17.42% 1,356.07 1,072.99 26.38% 1,290.95 1,009.78 27.84%
Operating Exp. 490.90 392.73 25.00% 470.82 406.23 15.90% 442.98 376.93 17.52% 428.95 347.91 23.29%
Operating Profit 279.09 295.27 -5.48% 298.65 283.09 5.50% 355.78 273.02 30.31% 341.94 280.66 21.83%
Provision 173.75 160.63 8.17% 210.28 160.23 31.24% 195.65 182.65 7.12% 175.45 199.66 -12.13%
PBT 105.34 134.64 -21.76% 88.38 122.85 -28.06% 160.13 90.36 77.21% 166.49 81.00 105.54%
PBTM 8.95 12.97 -30.99% 7.58 12.55 -39.60% 13.72 10.21 34.38% 14.98 9.55 56.86%
TAX -5.32 0.00 - -8.34 0.00 - -10.43 0.00 - -155.19 0.00 -
PAT 110.66 134.64 -17.81% 96.72 122.85 -21.27% 170.56 90.36 88.76% 321.68 81.00 297.14%
PATM 9.40% 12.97% 8.29% 12.55% 14.61% 10.21% 28.95% 9.55%
EPS 10.56 18.29 -42.26% 9.25 16.71 -44.64% 16.31 12.94 26.04% 30.76 14.73 108.83%
Gross NPA 757.81 487.21 55.54% 754.65 521.31 44.76% 645.93 552.66 16.88% 494.33 709.19 -30.30%
Gross NPA% 2.80 2.19 27.85% 2.97 2.44 21.72% 2.62 2.94 -10.88% 2.11 3.94 -46.45%
Net NPA 250.51 156.42 60.15% 247.28 182.89 35.21% 240.75 220.62 9.12% 130.02 468.00 -72.22%
Net NPA% 0.94 0.71 32.39% 0.99 0.87 13.79% 0.99 1.19 -16.81% 0.56 2.64 -78.79%
CASA 18.43 18.80 -1.97% 20.10 0.00 0 20.40 0.00 0 19.70 20.21 -2.52%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12
Net Interest Income 2,387.26 2,127.15 1,660.02 1,389.78 1,263.13 -1,231.74 -755.10 -319.47 -160.40 0.00 0.00 Interest Earned 4,621.60 4,013.05 3,075.01 2,726.53 2,497.71 0.00 0.00 0.00 0.00 0.00 0.00 Interest Expended 2,234.34 1,885.90 1,414.99 1,336.75 1,234.58 1,231.74 755.10 319.47 160.40 0.00 0.00 Int. income Growth 19.16% 28.14% 19.44% 10.03% 202.55% -63.12% -136.36% -99.17% 0 0 Other Income 721.84 671.01 624.86 335.83 235.08 158.17 152.24 69.02 25.68 13.55 3.99 Total Income 5,343.45 2,798.16 2,284.88 1,725.61 1,498.21 -1,073.57 -602.86 -250.45 -134.72 13.55 3.99 Total Expenditure 1,833.65 2,221.90 1,960.22 1,627.33 1,331.22 -13.98 -34.55 -19.34 -1.15 -2.91 -3.08 Employee Cost - 974.67 777.58 698.99 617.50 486.69 275.49 123.02 67.62 0.00 0.00 % Of Sales - 24.29% 25.29% 25.64% 24.72% 0 0 0 0 0 0 Opt. & Establishment Exp. - 692.09 575.62 520.64 512.49 -541.87 -347.39 -141.66 -71.69 2.91 3.08 % Of Sales - 17.25% 18.72% 19.10% 20.52% 0 0 0 0 0 0 Provisions - 678.96 744.40 569.32 366.59 164.92 108.03 31.72 18.30 0.00 0.00 % Of Sales - 16.92% 24.21% 20.88% 14.68% 0 0 0 0 0 0 EBITDA 1,275.45 576.26 324.66 98.28 166.99 13.98 34.55 19.34 1.15 2.91 3.08 EBITDA Margin 60.32% 27.09% 19.56% 7.07% 13.22% 0 0 0 0 0 0 Depreciation 0.00 61.91 68.69 80.81 82.68 61.86 35.34 16.21 7.69 2.91 3.08 PBT 520.34 514.35 255.97 17.47 84.31 255.22 238.21 108.50 73.96 10.64 0.91 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 -150.00 0.00 1.35 0.00 0.00 0.00 Provision for Tax -179.28 -155.19 0.00 0.00 0.00 85.11 77.92 33.08 23.33 -7.42 -0.31 Tax Rate -34.45% -30.17% 0.00% 0.00% 0.00% 80.89% 32.71% 30.11% 31.54% -69.74% -34.07% PAT 699.62 669.54 255.97 17.47 84.31 170.11 160.29 75.41 50.63 18.06 1.22 PAT before Minority Interest 699.62 669.54 255.97 17.47 84.31 170.11 160.29 75.41 50.63 18.06 1.22 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 22.50% 23.93% 11.20% 1.01% 5.63% 0 0 0 0 133.28% 30.58% PAT Growth 63.14% 161.57% 1365.20% -79.28% -50.44% 6.13% 112.56% 48.94% 180.34% 1380.33% EPS 66.82 63.95 24.45 1.67 8.05 16.25 15.31 7.20 4.84 1.72 0.12

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11
Shareholder's Funds 3,577.10 1,797.26 1,200.70 1,126.86 513.96 190.70 95.59 43.17 Share Capital 104.59 324.98 201.41 200.73 63.56 7.41 0.99 0.71 Total Reserves 3,461.91 1,452.09 983.15 912.09 450.40 183.28 94.60 42.45 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 22,571.25 16,334.02 13,536.49 12,385.93 0.00 0.00 0.00 0.00 Borrowings 5,211.46 6,277.46 4,509.83 4,815.32 0.00 0.00 0.00 0.00 Other Liabilities & Provisions 1,349.98 1,234.96 941.68 753.07 0.00 0.00 0.00 0.00 Total Liabilities 32,709.79 25,643.70 20,188.70 19,081.18 513.96 190.70 95.59 43.17 Net Block 138.65 122.60 170.47 210.82 31.04 9.17 7.87 8.58 Gross Block 688.05 633.86 668.62 644.03 48.33 18.81 14.60 12.24 Accumulated Depreciation 549.41 511.25 498.15 433.21 17.29 9.64 6.73 3.66 Total Non-Current Assets 32,044.68 25,195.83 19,780.67 18,781.72 580.68 239.57 90.98 33.84 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 2.94 5.14 1.18 1.24 0.00 0.00 0.00 0.01 Cash and balance with RBI 1,025.59 1,010.94 1,530.02 462.47 0.00 0.00 0.00 0.00 Balance with banks and money at call 1,028.54 1,076.37 7.07 1,797.48 0.00 0.00 0.00 0.00 Investments 6,737.69 5,221.22 5,065.26 4,697.79 549.64 230.40 83.11 25.25 Advances 23,111.27 17,759.56 13,006.67 11,611.92 0.00 0.00 0.00 0.00 Other Assets 665.10 447.85 408.03 299.46 0.00 0.00 0.00 0.00 Total Assets 32,709.78 25,643.68 20,188.70 19,081.18 580.68 239.57 90.98 33.84 Contingent Liabilities 263.50 77.18 41.74 47.46 0.00 0.00 0.00 0.00 Bills for collection 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 341.00 274.12 201.23 189.79 80.86 257.18 969.93 603.91

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 14 Mar 13 Mar 12 Mar 11
Cash From Operating Activity 706.90 -1,137.18 858.61 628.80 -1,026.63 -543.99 -168.80 -64.00 PBT 514.35 255.97 17.47 84.31 73.96 23.61 1.22 -2.18 Adjustment 618.30 821.56 654.65 463.75 5.61 -0.73 3.32 1.16 Adjustments for Liabilities & Assets -253.19 -2,205.35 189.25 84.88 -1,079.67 -559.45 -173.65 -63.05 Refund/(Payment) of direct taxes -172.57 -9.36 -2.77 -4.14 -26.53 -7.42 0.31 0.08 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -780.09 -434.46 -1,330.37 -1,265.74 -15.54 -4.24 -0.73 25.93 Net Fixed Assets -51.99 30.80 -24.53 -596.94 -29.52 -4.21 -2.35 Other Investment Activity -1125.45 -1969.37 -1935.54 -660.81 -52.57 -19.54 11.33 Cash from Financing Activity 33.48 2,103.62 -239.52 1,916.59 1,338.04 615.93 234.95 56.94 Closing Cash & Equivalent 2,027.17 2,066.88 1,534.91 2,259.95 438.83 142.96 75.26 27.26 Net Cash Inflow / Outflow -39.71 531.97 -711.28 1,279.65 295.87 67.70 65.42 18.87 Opening Cash & Equivalents 2,066.88 1,534.91 2,246.19 980.30 142.96 75.26 9.83 8.40

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 17 Mar 14 Mar 13 Mar 12 Mar 11
Book Value 341.00 274.12 201.23 189.79 872.79 80.86 257.18 969.93 603.91 NIM 6.67 6.62 7.09 6.80 11.17 0.00 0.00 0.00 0.00 Yield on Advances 17.36 17.31 20.96 21.51 24.30 0.00 0.00 0.00 0.00 Yield on Investments 5.46 6.29 5.14 4.10 7.35 0.00 0.00 0.00 0.00 Cost of Liabilities 6.79 6.26 7.41 7.18 10.54 0.00 0.00 0.00 0.00 Interest Spread 10.58 11.06 13.56 14.33 13.76 0.00 0.00 0.00 0.00 ROCE 11.18% 9.70% 7.28% 9.08% 9.49% 1.41% 1.51% 0.34% -1.43% Cost Income Ratio 57.35 56.22 66.00 69.90 68.01 0.00 0.00 0.00 0.00 Core Cost Income Ratio 57.54 56.29 66.17 70.89 68.41 0.00 0.00 0.00 0.00 Operating Costs to Assets 4.91 5.01 5.64 5.49 8.00 0.00 0.00 0.00 0.00 Loans/Deposits 0.23 0.38 0.33 0.39 0.00 0.00 0.00 0.00 0.00 Cash/Deposits 0.05 0.06 0.11 0.04 0.00 0.00 0.00 0.00 0.00 Investment/Deposits 0.30 0.32 0.37 0.38 0.00 0.00 0.00 0.00 0.00 Inc Loan/Deposits 23.09% 38.43% 33.32% 38.88% 0.00% 0.00% 0.00% 0.00% 0.00% Credit Deposits 102.39% 108.73% 96.09% 93.75% 0.00% 0.00% 0.00% 0.00% 0.00% Interest Expended / Interest earned 46.99% 46.02% 49.03% 49.43% 43.56% 0.00% 0.00% 0.00% 0.00% Interest income / Total funds 12.27% 11.99% 13.51% 13.09% 18.97% 0.00% 0.00% 0.00% 0.00% Interest Expended / Total funds 5.77% 5.52% 6.62% 6.47% 8.27% 0.00% 0.00% 0.00% 0.00% CASA 19.70% 20.21% 22.52% 16.76% 0.00% 0.00% 0.00% 0.00% 0.00%