Jana Small Finance Bank Ltd

Jana Small Finan Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Jana Small Finance Bank Ltd

₹ 413 -0.49%
21 Nov - close price
janabank.com BSE: 544118 NSE: JSFB
About

Incorporated in July 2006, Jana Small Finance Bank Limited is a NBFC primarily engaged in providing MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans.[1]

Key Points

Leading Small Finance Bank[1] Jana Small Finance Bank is the fourth largest Small Finance Bank in terms of AUM and deposit size ending September 2023.

Website BSE NSE
  • Market Cap ₹ 4,327 Cr.
  • Current Price ₹ 413
  • High / Low ₹ 761 / 365
  • Stock P/E 5.98
  • Book Value ₹ 342
  • Dividend Yield 0.00 %
  • ROCE 8.61 %
  • ROE 26.2 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 18.6% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 22.4%
  • Tax rate seems low
  • Earnings include an other income of Rs.684 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE IPO BSE SmallCap Nifty Total Market Nifty Microcap 250 BSE Allcap

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Quarterly Results

Figures in Rs. Crores

Mar 2021 Dec 2021 Mar 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 587 699 694 809 849 885 979 1,038 1,111 1,167 1,166
Interest 317 341 313 368 381 423 453 490 520 557 572
403 438 480 492 548 560 566 553 604 639 681
Financing Profit -134 -79 -100 -51 -80 -98 -41 -5 -13 -29 -87
Financing Margin % -23% -11% -14% -6% -9% -11% -4% -0% -1% -2% -7%
91 73 101 170 161 188 164 140 180 189 176
Depreciation 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -43 -6 1 119 81 90 123 135 166 160 88
Tax % 0% 0% 0% 0% 0% 0% 0% 0% -93% -7% -9%
-43 -6 1 119 81 90 123 135 322 171 97
EPS in Rs -8.40 -1.21 0.25 23.53 15.97 17.81 24.22 26.54 30.76 16.31 9.25
Gross NPA % 6.38% 3.94% 2.94% 2.44% 2.19% 2.11% 2.62% 2.97%
Net NPA % 3.62% 2.64% 1.19% 0.87% 0.71% 0.56% 0.99% 0.99%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 1,251 1,992 2,498 2,727 3,075 4,013 4,482
Interest 814 980 1,235 1,337 1,415 1,886 2,139
2,399 1,322 1,331 1,627 1,960 2,222 2,477
Financing Profit -1,963 -311 -68 -238 -300 -95 -134
Financing Margin % -157% -16% -3% -9% -10% -2% -3%
113 433 235 324 625 671 684
Depreciation 99 93 83 81 69 62 0
Profit before tax -1,949 30 84 5 256 514 550
Tax % 0% 0% 0% 0% 0% -30%
-1,949 30 84 5 256 670 724
EPS in Rs -413.32 5.94 16.62 1.07 50.46 64.02 82.86
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 26%
3 Years: 17%
TTM: 27%
Compounded Profit Growth
10 Years: %
5 Years: 19%
3 Years: 94%
TTM: 75%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 19%
Last Year: 26%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 47 51 51 51 55 105
Reserves 476 843 926 999 1,472 3,473
8,435 12,701 17,351 18,196 22,881 27,783
487 550 763 942 1,235 1,350
Total Liabilities 9,446 14,145 19,091 20,189 25,644 32,710
332 259 211 170 123 139
CWIP 2 1 1 1 5 3
Investments 1,468 2,650 4,698 5,065 5,221 6,738
7,644 11,234 14,181 14,952 20,295 25,831
Total Assets 9,446 14,145 19,091 20,189 25,644 32,710

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2,771 949 615 859 -1,137 707
-231 -285 -1,266 -1,330 -434 -780
-2,489 -852 1,917 -240 2,104 33
Net Cash Flow 51 -188 1,266 -711 532 -40

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 5% 10% 1% 20% 26%

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2024Jun 2024Sep 2024
22.54% 22.54% 22.38%
1.15% 1.02% 1.09%
17.70% 17.73% 17.99%
58.62% 58.71% 58.53%
No. of Shareholders 72,04249,17851,033

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls