Jana Small Finance Bank Ltd (JSFB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

AU Small Finance

Ujjivan Small

Capital Small

Suryoday Small

Equitas Sma. Fin

Jana Small Finan

ESAF Small Fin

Utkarsh Small F.

Why is Jana Small Finance Bank Ltd ?

The company has declared Negative results for the last 4 consecutive quarters

PAT(Q) At Rs 74.99 cr has Fallen at -30.7% (vs previous 4Q average)
CREDIT DEPOSIT RATIO(HY) Lowest at 91.43%
PBDIT(Q) Lowest at Rs 31.49 cr.

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -1.15% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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 Other Bank)

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, Low Return

Absolute

Risk Adjusted

Volatility

Jana Small Finan

-1.15%

-0.03

41.56%

Sensex

4.83%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

19.33%

Net Profit Growth (5y)

100.83%

Advance to Deposit

100.86%

Capital Adequacy Ratio (Tier 1)

Gross NPA (latest)

2.80%

Gross NPA (avg)

2.74%

Coverage Ratio (avg)

66.71%

Cost to Income (avg)

61.40%

Net Interest Margin (avg)

7.84%

Operating Profit to Assets (avg)

10.24%

ROA (avg)

1.57%

Net Debt to Equity (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Price to Book Value

1.08

PEG Ratio

Dividend Yield

ROE (Latest)

9.60%

ROA (Latest)

0.97%

Net NPA to Book Value

6.52

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Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

INTEREST EARNED(Q)

Highest at Rs 1,304.78 cr

NII(Q)

Highest at Rs 618.47 cr

NET NPA(Q)

Lowest at 0.90%

-21What is not working for the Company

PAT(Q)

At Rs 74.99 cr has Fallen at -30.7% (vs previous 4Q average

CREDIT DEPOSIT RATIO(HY)

Lowest at 91.43%

PBDIT(Q)

Lowest at Rs 31.49 cr.

OPERATING PROFIT TO NET SALES(Q)

Lowest at 2.41%

PBT LESS OI(Q)

Lowest at Rs -172.48 cr.

NON-OPERATING INCOME(Q)

is 330.00 % of Profit Before Tax (PBT

EPS(Q)

Lowest at Rs 7.13

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Here's what is working for Jana Small Finan

Interest Earned - Quarterly

Highest at Rs 1,304.78 cr and Grown

each quarter in the last five quarters

MOJO Watch

Near term sales trend is very positive

Interest Earned (Rs Cr)

Net Interest Income (Quarterly)

Highest at Rs 618.47 cr

in the last five quarters

MOJO Watch

The bank's income from core business is increasing

Net Interest Income (Rs Cr)

Net NPA - Quarterly

Lowest at 0.90%

in the last five quarters

MOJO Watch

Proportion of stressed loans given by the bank are falling

Net NPA (%)

Here's what is not working for Jana Small Finan

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs -172.48 cr has Fallen at -58.4% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs -108.86 Cr

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs 74.99 cr has Fallen at -30.7% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs 108.20 Cr

MOJO Watch

Near term PAT trend is very negative

PAT (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Lowest at Rs 31.49 cr. and Fallen

each quarter in the last five quarters

MOJO Watch

Near term Operating Profit trend is quite negative

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly

Lowest at 2.41% and Fallen

each quarter in the last five quarters

MOJO Watch

Company's efficiency has deteriorated

Operating Profit to Sales

Credit Deposit Ratio - Half Yearly

Lowest at 91.43% and Fallen

in the last four periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at Rs -172.48 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (Rs Cr)

Non Operating Income - Quarterly

is 330.00 % 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

Earnings per Share (EPS) - Quarterly

Lowest at Rs 7.13

in the last five quarters

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (Rs)