ScoreWhy is Jana Small Finance Bank Ltd ?
1
Strong lending practices with low Gross NPA ratio of 2.46%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 20.86% and Net profit at 78.40%
3
The company has declared positive results in Mar'2026 after 5 consecutive negative quarters
- NII(Q) Highest at Rs 735.58 cr
- INTEREST EARNED(Q) Highest at Rs 1,444.59 cr
- GROSS NPA(Q) Lowest at 2.46%
4
With ROA of 0.7, it has a Fair valuation with a 1.1 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -5.64%, its profits have fallen by -34.9%
5
High Institutional Holdings at 20.58%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.57% over the previous quarter.
6
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 5.38% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -5.64% returns
Real-Time Research ReportHow much should you hold?
- 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, Medium Return
Absolute
Risk Adjusted
Volatility
Jana Small Finan
-5.64%
-0.15
37.74%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
20.86%
Net Profit Growth (5y)
78.40%
Advance to Deposit
99.05%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.46%
Gross NPA (avg)
3.42%
Coverage Ratio (avg)
61.93%
Cost to Income (avg)
61.90%
Net Interest Margin (avg)
7.62%
Operating Profit to Assets (avg)
9.93%
ROA (avg)
1.34%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Price to Book Value
1.09
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
7.36%
ROA (Latest)
0.69%
Net NPA to Book Value
7.05
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
NII(Q)
Highest at Rs 735.58 cr
INTEREST EARNED(Q)
Highest at Rs 1,444.59 cr
GROSS NPA(Q)
Lowest at 2.46%
PBDIT(Q)
Highest at Rs 69.12 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 4.78%
PAT(Q)
Highest at Rs 139.82 cr.
EPS(Q)
Highest at Rs 13.28
NET NPA(Q)
Lowest at 0.92%
-7What is not working for the Company
PAT(Latest six months)
At Rs 149.51 cr has Grown at -36.15%
NON-OPERATING INCOME(Q)
is 189.96 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Jana Small Finan
Profit After Tax (PAT) - Quarterly
At Rs 139.82 cr has Grown at 80.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 77.52 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Net Interest Income (Quarterly)
Highest at Rs 735.58 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 1,444.59 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.46%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 69.12 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 4.78%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
Highest at Rs 139.82 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 13.28
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.92%
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 189.96 % 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
Non Operating Income - Quarterly
Highest at Rs 265.60 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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