JIO Financial Serv.

₹305.9 1.1 | 0.4%

WEBSITE BSE:543940 NSE : JIOFIN 26 Dec, 15:14

Market Cap ₹194347 Cr.

Stock P/E 121.2

P/B 1.4

Current Price ₹305.9

Book Value ₹ 215.9

Face Value 10

52W High ₹394.7

Dividend Yield 0%

52W Low ₹ 231.2

Edit Ratio

JIO Financial Serv. Research see more...

How Jio Financial Services will Empower India's Financial Future?

Overview Inc. Year: 1999Industry: Finance - NBFC

JIO Financial Services Ltd is a dynamic and innovative financial institution that has rapidly emerged as a prominent player in the financial services industry. Founded on the principles of technological prowess and customer-centricity, JIO Financial Services offers a wide range of financial products and solutions tailored to meet the diverse needs of its clientele. With a commitment to leveraging cutting-edge technology, JIO Financial Services provides seamless digital banking experiences, including online account management, lending services, and investment opportunities. The company's mission is to empower individuals and businesses alike by simplifying financial transactions, enhancing financial literacy, and fostering economic growth. JIO Financial Services distinguishes itself through its dedication to customer satisfaction, transparent practices, and a forward-thinking approach to financial services. As a trusted partner for financial well-being, JIO Financial Services Ltd is poised to continue its impressive growth and make a lasting impact in the world of finance.

JIO Financial Serv. Share Price

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Peer Comparison

JIO Financial Serv. Quarterly Results

#(Fig in Cr.)	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Operating Revenue	414	608	414	418	418	694
Other Income	0	0	1	0	0	0
Total Income	414	608	414	418	418	694
Total Expenditure	38	66	94	98	74	140
Operating Profit	376	542	321	320	344	553
Interest Expense	10	0	0	0	0	0
Depreciation	5	5	5	5	5	6
Profit Before Tax	360	537	315	315	338	548
Provision for Tax	95	86	88	82	88	84
Profit After Tax	265	450	228	233	251	463
Adjustments	67	218	66	78	62	226
Profit After Adjustments	332	668	294	311	313	689
Adjusted Earnings Per Share	1643.2	1.1	0.5	0.5	0.5	1.1

JIO Financial Serv. Profit & Loss

#(Fig in Cr.)	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2023	Mar 2024	TTM
Operating Revenue	125	166	137	82	42	1854	1944
Other Income	179	27	1	0	13	-1	1
Total Income	304	193	139	82	55	1853	1944
Total Expenditure	184	81	19	37	6	244	406
Operating Profit	120	112	120	45	49	1609	1538
Interest Expense	11	74	90	36	0	60	0
Depreciation	0	0	0	0	0	22	21
Profit Before Tax	109	38	30	9	49	1956	1516
Provision for Tax	23	8	6	3	18	351	342
Profit After Tax	86	30	24	7	31	1605	1175
Adjustments	0	0	0	0	0	0	432
Profit After Adjustments	86	30	24	7	31	1605	1607
Adjusted Earnings Per Share	425.9	148.3	120.1	33.9	154.6	2.5	2.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	4314%	138%	71%	0%
Operating Profit CAGR	3184%	138%	68%	0%
PAT CAGR	5077%	306%	80%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	30%	NA%	NA%	NA%
ROE Average	1%	0%	0%	0%
ROCE Average	2%	1%	1%	1%

JIO Financial Serv. Balance Sheet

#(Fig in Cr.)	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2023	Mar 2024
Shareholder's Funds	9901	9931	9955	1361	114120	139148
Minority's Interest	10	10	9	0	0	0
Borrowings	589	18	29	0	0	0
Current Liability	41	81	26	530	803	158
Other Liabilities & Provisions	0	0	0	0	7	5557
Total Liabilities	10542	10041	10019	1892	114930	144863
Loans	0	0	0	0	0	0
Investments	8304	7589	7823	816	108141	133292
Fixed Assets	0	0	0	0	158	172
Other Loans	2	201	200	232	84	85
Other Non Current Assets	0	0	0	0	38	3
Current Assets	2236	2250	1997	844	6509	11310
Total Assets	10542	10041	10019	1892	114930	144863

JIO Financial Serv. Cash Flow

#(Fig in Cr.)	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	0	455	452	206	1	57
Cash Flow from Operating Activities	30	-49	-128	-414	2055	-678
Cash Flow from Investing Activities	430	659	-19	-100	-1166	1441
Cash Flow from Financing Activities	-5	-613	-100	462	-889	-753
Net Cash Inflow / Outflow	454	-3	-246	-52	-0	11
Closing Cash & Cash Equivalent	455	452	206	154	57	67

JIO Financial Serv. Ratios

#	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2023	Mar 2024
Earnings Per Share (Rs)	425.94	148.32	120.15	33.86	154.55	2.53
CEPS(Rs)	427.03	149.26	120.69	33.86	154.7	2.56
DPS(Rs)	0	0	0	0	4400	0
Book NAV/Share(Rs)	49014.16	49163.22	49282.57	6737.08	533498.76	219.02
Net Profit Margin	68.77	18.07	17.66	8.38	75.07	86.55
Operating Margin	95.58	67.26	87.15	55.12	118.52	108.74
PBT Margin	86.84	22.89	21.99	11.45	118.52	105.5
ROA(%)	0.82	0.29	0.24	0.11	0.05	1.24
ROE(%)	0.87	0.3	0.24	0.12	0.06	1.3
ROCE(%)	1.14	1.09	1.2	0.76	0.08	1.59
Price/Earnings(x)	0	0	0	0	0	140.09
Price/Book(x)	0	0	0	0	0	1.62
Dividend Yield(%)	0	0	0	0	0	0
EV/Net Sales(x)	1.09	-2.61	-1.27	3.91	-127.28	115.49
EV/Core EBITDA(x)	1.14	-3.87	-1.46	7.1	-107.39	133.08
Interest Earned Growth(%)	0	32.48	-17.07	-40.64	-48.98	4353.23
Net Profit Growth	0	-65.18	-18.99	-71.82	356.87	5034.56
EPS Growth(%)	0	-65.18	-18.99	-71.82	356.43	-98.37
Interest Coverage(x) %	10.94	1.52	1.34	1.26	0	33.6

JIO Financial Serv. Shareholding Pattern

#	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	46.77	47.12	47.12	47.12	47.12
FII	21.48	19.81	19.42	17.53	16.86
DII	13.88	13.14	12.67	11.96	11.57
Public	17.87	19.92	20.78	23.38	24.45
Others	0	0	0	0	0
Total	100	100	100	100	100

#	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	297.12	299.39	299.39	299.39	299.39
FII	136.47	125.89	123.41	111.4	107.14
DII	88.2	83.48	80.52	75.97	73.48
Public	113.53	126.57	132.01	148.57	155.33
Others	0	0	0	0	0
Total	635.33	635.33	635.33	635.33	635.33

Pros

Company has delivered good profit growth of 79% CAGR over last 5 years
Company is almost debt free.

Cons

Promoter holding is low: 47.12%.
Company has a low return on equity of 0% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.