ScoreWhy is Jana Small Finance Bank Ltd ?
1
High Management Efficiency with a high ROA of 1.71%
2
Healthy long term growth as Net profit has grown by an annual rate of 68.08%
3
With a growth in Interest of 4.84%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 2 consecutive quarters
- GROSS NPA(Q) Lowest at 2.39%
- NII(Q) Highest at Rs 782.47 cr
- INTEREST EARNED(Q) Highest at Rs 1,514.53 cr
4
Market Beating Performance
- The stock has generated a return of 14.50% in the last 1 year, much higher than market (BSE500) returns of 4.11%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Jana Small Finan should be less than 10%
- Overall Portfolio exposure to Other Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Jana Small Finan for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Jana Small Finan
14.5%
0.36
40.39%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
19.12%
Net Profit Growth (5y)
68.08%
Advance to Deposit
101.46%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.39%
Gross NPA (avg)
2.97%
Coverage Ratio (avg)
56.88%
Cost to Income (avg)
62.91%
Net Interest Margin (avg)
7.52%
Operating Profit to Assets (avg)
9.80%
ROA (avg)
1.71%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Price to Book Value
1.33
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
8.56%
ROA (Latest)
0.80%
Net NPA to Book Value
7.09
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend23What is working for the Company
GROSS NPA(Q)
Lowest at 2.39%
NII(Q)
Highest at Rs 782.47 cr
INTEREST EARNED(Q)
Highest at Rs 1,514.53 cr
PBDIT(Q)
Highest at Rs 106.25 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 7.02%
PBT LESS OI(Q)
Highest at Rs -71.68 cr.
PAT(Q)
Highest at Rs 155.23 cr.
EPS(Q)
Highest at Rs 14.74
NET NPA(Q)
Lowest at 0.91%
-3What is not working for the Company
NON-OPERATING INCOME(Q)
is 146.18 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Jana Small Finan
Profit After Tax (PAT) - Quarterly
At Rs 155.23 cr has Grown at 90.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 81.61 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.39% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 782.47 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,514.53 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 106.25 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 7.02%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -71.68 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 155.23 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 14.74
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.91%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Jana Small Finan
Non Operating Income - Quarterly
is 146.18 % 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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