Jana Small Finan

Why is Jana Small Finance Bank Ltd falling/rising?

As of 06-Aug, Jana Small Finance Bank Ltd's stock price is declining, currently at 560.50, reflecting a 2.1% decrease and underperforming its sector. Investor interest has waned significantly, and concerns about valuation and promoter confidence contribute to the stock's downward trend.

As of 06-Aug, Jana Small Finance Bank Ltd's stock price is falling, currently at 560.50, which reflects a decrease of 12.05 or 2.1%. The stock has been underperforming, having lost 4.64% over the last three days and has consistently fallen for three consecutive days. Today's performance indicates that it has underperformed its sector by 2.51%. Additionally, the stock touched an intraday low of Rs 557.8, showing a decline of 2.58%.<BR><BR>Investor participation has also decreased significantly, with delivery volume dropping by 81.44% compared to the five-day average, indicating reduced interest from investors. Although the stock has shown strong long-term growth with a net profit increase of 68.08% annually and a return of 18.44% over the past year, concerns about its valuation persist. The stock is trading at a premium with a Price to Book Value of 1.3, and despite its positive performance, profits have fallen by 12.3% over the past year.<BR><BR>Moreover, there is a notable reduction in promoter confidence, as promoters have decreased their stake by 4.91% in the last quarter, which may signal concerns about the company's future prospects. These factors combined contribute to the current decline in the stock price of Jana Small Finance Bank Ltd.

Which are the latest news on Jana Small Finan?

Should I buy, sell or hold Jana Small Finance Bank Ltd?

Are Jana Small Finance Bank Ltd latest results good or bad?

Jana Small Finance Bank Ltd's latest Q1 FY27 results are positive, with a net profit of ₹155.23 crore, a 52.29% year-on-year increase, and a net interest margin of 7.50%. However, investors should be cautious about the recent decline in promoter holding despite the strong financial performance.

Jana Small Finance Bank Ltd's latest results for Q1 FY27 can be considered quite positive. The bank reported a net profit of ₹155.23 crore, which marks a significant increase of 52.29% year-on-year and an 11.02% growth compared to the previous quarter. This growth is supported by a record net interest income of ₹782.47 crore, reflecting a robust year-on-year increase of 33.62%.<BR><BR>Additionally, the bank achieved a net interest margin of 7.50%, the highest since March 2025, indicating effective asset-liability management and improved profitability. The gross non-performing asset (NPA) ratio also improved to 2.39%, down from 2.46% in the previous quarter, showcasing better asset quality.<BR><BR>Overall, the financial performance indicates strong operational momentum, with the bank's stock showing impressive gains over recent months, outperforming broader market indices. However, investors should remain cautious about the recent decline in promoter holding, which could raise questions about long-term confidence in the bank.

When is the next results date for Jana Small Finance Bank Ltd?

The next results date for Jana Small Finance Bank Ltd is July 15, 2026.

The next results date for Jana Small Finance Bank Ltd is scheduled for July 15, 2026.

What does Jana Small Finan do?

Jana Small Finance Bank Ltd is a small finance bank that provides various financial services, having transitioned from Janalakshmi Financial Services in 2017. As of March 2026, it reported net sales of ₹1,444.59 crore and a net profit of ₹140 crore, with a market capitalization of ₹4,972 crore.

Overview:<BR>Jana Small Finance Bank Ltd operates in the banking sector as a small finance bank, focusing on providing financial services.<BR><BR>History:<BR>Jana Small Finance Bank Ltd was incorporated as 'Janalakshmi Financial Services Private Limited' on July 24, 2006. It transitioned to a public company on August 10, 2015, and changed its name to 'Janalakshmi Financial Services Limited' on September 18, 2015. The bank received final approval from the RBI to operate as a small finance bank on April 28, 2017. The most recent quarterly results reported are for March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 1,444.59 Cr (Quarterly Results - Mar 2026)<BR>Most recent Net Profit: 140 Cr (Quarterly Results - Mar 2026)<BR>Market-cap value: INR 4,972 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: N/A<BR>Industry P/E: N/A<BR>Dividend Yield: 0.00%<BR>Debt-Equity: N/A<BR>ROE: N/A<BR>Price-to-Book: N/A<BR><BR>Contact Details:<BR>Registrar Address: Not available.

How big is Jana Small Finan?

As of 10th June, Jana Small Finance Bank Ltd has a market capitalization of 4,972.00 Cr and total assets valued at 38,463.62 Cr, with a net profit of 326.43 Cr for the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Jana Small Finance Bank Ltd has a market capitalization of 4,972.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported net sales of 0.00 Cr for the latest quarters, indicating no valid data found for summing. The net profit for the latest four quarters is 326.43 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is for March 2025, with shareholder's funds amounting to 4,118.35 Cr and total assets valued at 38,463.62 Cr.

Who are the peers of the Jana Small Finan?

Jana Small Finan's peers include AU Small Finance, Ujjivan Small, Equitas Small Finance, Utkarsh Small Finance, Suryoday Small, ESAF Small Finance, and Capital Small. In terms of management risk, growth, and capital structure, AU Small Finance and Ujjivan Small are the strongest, while Jana Small Finan shows below-average capital structure and a 1-year return of -11.16%.

Peers: The peers of Jana Small Finan are AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., Suryoday Small, ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance and Suryoday Small, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, and Jana Small Finan. Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. For Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, and Suryoday Small, while Average growth is seen at Equitas Sma. Fin and the rest. Below Average growth is observed at Utkarsh Small F. and ESAF Small Fin. In terms of Capital Structure, Excellent capital structure is attributed to AU Small Finance, Ujjivan Small, Equitas Sma. Fin, and Suryoday Small, while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small, with Average capital structure at Utkarsh Small F.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while Utkarsh Small F. has the lowest at -50.06%. Jana Small Finan's 1-year return is -11.16%, which is higher than Utkarsh Small F. but lower than all other peers. Additionally, Utkarsh Small F. and ESAF Small Fin have negative six-month returns.

Is Jana Small Finan technically bullish or bearish?

As of November 17, 2025, Jana Small Finance's trend has shifted to a moderate bearish stance, supported by bearish signals from the weekly MACD, Bollinger Bands, and daily moving averages, while the RSI remains neutral.

As of 17 November 2025, the technical trend has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. Key indicators driving this include the weekly MACD and Bollinger Bands both indicating bearish conditions, along with daily moving averages also showing bearish signals. The RSI is neutral with no signals on both weekly and monthly time frames. Overall, the lack of upward momentum and the prevailing bearish indicators suggest a continued downward trend for Jana Small Finan.

How has been the historical performance of Jana Small Finan?

Jana Small Finan has demonstrated significant growth from March 2019 to March 2025, with interest earned increasing from 1,250.54 crore to 4,709.79 crore and total income rising from 1,368.27 crore to 5,485.65 crore, despite a decline in profit after tax from 669.54 crore in March 2024 to 501.42 crore in March 2025. Total liabilities and deposits also grew substantially during this period.

Answer:<BR>The historical performance of Jana Small Finan shows significant growth in various financial metrics over the years, particularly from March 2019 to March 2025.<BR><BR>Breakdown:<BR>Jana Small Finan's interest earned has increased from 1,250.54 crore in March 2019 to 4,709.79 crore in March 2025, demonstrating a robust upward trend. The total income has also risen substantially, from 1,368.27 crore in March 2019 to 5,485.65 crore in March 2025. Net interest income followed a similar trajectory, growing from 436.91 crore in March 2019 to 2,393.13 crore in March 2025. However, profit before tax peaked at 514.35 crore in March 2024 before declining to 473.68 crore in March 2025, while profit after tax showed a decrease from 669.54 crore in March 2024 to 501.42 crore in March 2025. Total liabilities increased from 14,144.51 crore in March 2019 to 38,463.62 crore in March 2025, with deposits rising from 9,651.95 crore to 29,119.78 crore in the same period. The cash flow position improved significantly, with a net increase in cash and cash equivalents reaching 2,420 crore in March 2025, compared to a decrease of 38 crore in March 2024. Overall, Jana Small Finan has shown a strong growth trajectory in income and deposits, despite some fluctuations in profitability in recent years.

Is Jana Small Finan overvalued or undervalued?

As of October 17, 2025, Jana Small Finan is fairly valued with a PE ratio of 10.93, a Price to Book Value of 1.16, and a ROE of 10.58%, showing lower valuation compared to peers like HDFC Bank and ICICI Bank, while also underperforming the Sensex with a stock return of -16.48%.

As of 17 October 2025, the valuation grade for Jana Small Finan has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key ratios include a PE ratio of 10.93, a Price to Book Value of 1.16, and a ROE of 10.58%. <BR><BR>In comparison to its peers, Jana Small Finan's PE ratio is significantly lower than that of HDFC Bank, which is considered expensive at 22.22, and ICICI Bank, which is fairly valued at 20.98. Additionally, the company has a PEG ratio of 0.00, suggesting potential growth opportunities that are not yet reflected in its current price. Notably, Jana Small Finan has underperformed compared to the Sensex over the past year, with a stock return of -16.48% versus the Sensex's 3.64%, reinforcing the notion that it is currently fairly valued within its market context.

Who are the top shareholders of the Jana Small Finan?

The top shareholders of Jana Small Finance include Jana Holdings Limited with 21.88%, Tpg Asia Vi Sf Pte. Ltd. at 8.12%, and individual investors holding 21.75%. Additionally, mutual funds hold 5.33% and foreign institutional investors have 0.28%, with no pledged promoter holdings reported.

The top shareholders of Jana Small Finance include several key players. The largest promoter is Jana Holdings Limited, which holds 21.88% of the shares. Following that, Tpg Asia Vi Sf Pte. Ltd. is the highest public shareholder with an 8.12% stake. Additionally, individual investors collectively hold 21.75% of the shares. The company also has mutual funds involved, with 8 schemes holding a total of 5.33%, and 19 foreign institutional investors (FIIs) holding 0.28%. There are no pledged promoter holdings reported.

Has Jana Small Finan declared dividend?

No Dividend History Available