Jana Small Finance Bank Ltd
Ticker: JSFB
Decent
68/100
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Investing Reference
Price
461.25
Market Cap
4915.63
Debt/Equity
0.0000
ROE %
13.031
PB
1.1936
Promoter %
21.866
Pledge %
0.000
1Y Rev Growth %
17.113
5Y Rev Growth %
17.737
NP Margin %
9.140
NP Margin 5Y Avg %
6.723
Trading Reference
1M Return %
1.425
6M Return %
-0.966
1Y Return %
-17.582
% Away 52W High
22.927
% Away 52W Low
26.787
Daily Volume
173978
Investment Verdict
Buy
Score 76/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Jana Small Finance Bank Ltd is currently trading near its support level, with a potential upside if it breaks through the resistance at the next EMA. Volume trends suggest increasing interest, indicating a bullish sentiment in the medium-term. However, if it fails to maintain support, a downside risk remains.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Jana Small Finance Bank Ltd is a leading financial institution in India, dedicated to providing accessible banking solutions to underserved segments of society. With a focus on empowering individuals and small businesses, Jana aims to promote financial inclusion across the nation. Its innovative products cater to a diverse clientele, ensuring that everyone has the opportunity to thrive financially. This bank plays a crucial role in driving economic growth and improving the quality of life for many.
- Focus on financial inclusion
- Tailored products for individuals and small businesses
- Strong commitment to customer service
- Robust digital banking solutions
- Nationwide presence for greater accessibility
Investment Thesis
Jana Small Finance Bank presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. The bank's focus on financial inclusion and innovative banking solutions positions it well for future growth.
- Strong backing from a credible promoter group enhances trust and stability.
- Robust digital services growth aligns with the increasing shift towards online banking.
- Valuation metrics are favorable compared to peer institutions, indicating potential upside.
- Focus on underserved segments provides a unique growth avenue.
- Strategic initiatives aimed at expanding customer base and service offerings.
Opportunity vs Risk
Opportunities
- Growing demand for small finance loans
- Expansion into rural markets
- Digital banking initiatives
- Strong government support for financial inclusion
Risks ⚠️
- Regulatory changes affecting operations
- High competition in the sector
- Economic downturn impacting loan repayments
- Asset quality deterioration concerns
Peer Perspective
Jana Small Finance Bank Ltd trades at a discount to peers like AU Small Finance Bank and Ujjivan Small Finance Bank, requiring consistent margin stability and accelerated growth to trigger a potential rerating.
Future Outlook
Jana Small Finance Bank Ltd is well-positioned for growth, driven by its focus on expanding customer reach and product offerings; however, successful execution and stringent cost control will be crucial to achieving its strategic goals.
📊 Stock Investment Checklist (100 Points)
Jana Small Finance Bank Ltd • Updated: 2025-09-17 02:51:04
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10BusinessHighThe small finance banking sector is growing, but competition is increasing.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are moderate, with OCF showing some volatility.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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5GovernanceGoodPromoter holding is decent, but there are concerns about transparency.
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6DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Jana Small Finance Bank has a decent growth outlook but faces challenges in profitability and valuation metrics. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 75/100
- Profitability: 65/100
- Governance: 60/100
- Market Confidence: 68/100