JIO Financial Serv.

₹305.5 0.8 | 0.2%

WEBSITE BSE:543940 NSE : JIOFIN 26 Dec, 15:24

Market Cap ₹194093 Cr.

Stock P/E 121.0

P/B 7.8

Current Price ₹305.5

Book Value ₹ 39.1

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

New

Volume

Price

Price: NSE50 DMA200 DMAVolume

Quarterly Price

Quarterly Monthly

Show Value Show %

Peer Comparison

JIO Financial Serv. Quarterly Results

#(Fig in Cr.)	Sep 2022	Dec 2022	Mar 2023
Operating Revenue	3	35	18
Other Income	0	0	3
Total Income	3	35	21
Total Expenditure	0	4	1
Operating Profit	3	31	20
Interest Expense	0	0	0
Depreciation	0	0	0
Profit Before Tax	3	31	20
Provision for Tax	1	23	-3
Profit After Tax	2	8	23
Adjustments	0	0	0
Profit After Adjustments	2	8	23
Adjusted Earnings Per Share	10	39.8	114

JIO Financial Serv. Profit & Loss

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Operating Revenue	81	281	228	940	296	-105	349	295	149	42	638	56
Other Income	0	0	0	1	1	0	0	16	36	13	0	3
Total Income	81	281	229	941	297	-105	349	311	184	55	638	59
Total Expenditure	28	38	236	11	16	16	28	82	7	6	94	5
Operating Profit	53	243	-7	930	282	-121	322	229	177	49	544	54
Interest Expense	35	157	287	267	71	248	128	111	0	0	10	0
Depreciation	0	0	0	0	0	0	0	0	0	0	12	0
Profit Before Tax	18	86	-295	663	210	-369	194	118	177	49	521	54
Provision for Tax	3	14	6	239	-32	33	-36	-5	9	18	139	21
Profit After Tax	16	72	-301	424	242	-402	230	123	168	31	382	33
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	16	72	-301	424	242	-402	230	123	168	31	382	33
Adjusted Earnings Per Share	77.4	356.4	-1489.3	2098.6	1196.5	-1988.5	1138.3	609.2	831.9	154.6	0.6	163.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	1419%	29%	0%	23%
Operating Profit CAGR	1010%	33%	0%	26%
PAT CAGR	1132%	46%	0%	37%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	30%	NA%	NA%	NA%
ROE Average	2%	3%	6%	3%
ROCE Average	2%	4%	5%	6%

JIO Financial Serv. Balance Sheet

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	1186	1258	1443	1867	2109	1707	1937	2060	2228	24054	24437
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	0	0	0	0	0	0	0	0	0	0	0
Current Liability	530	2280	3387	1834	1738	2339	2824	0	0	745	20
Other Liabilities & Provisions	0	0	0	145	21	54	5	-4	-5	4	17
Total Liabilities	1716	3538	4830	3846	3867	4100	4766	2056	2223	24803	24474
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	631	465	433	280	932	1038	206	57	181	19401	19720
Fixed Assets	0	0	0	0	0	0	0	0	0	49	37
Other Loans	252	334	35	15	73	103	129	1986	2041	24	116
Other Non Current Assets	0	0	0	0	0	0	0	0	0	0	0
Current Assets	832	2740	4362	3551	2862	2960	4431	13	1	5330	4601
Total Assets	1716	3538	4830	3846	3867	4100	4766	2056	2223	24803	24474

JIO Financial Serv. Cash Flow

#(Fig in Cr.)	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	4	2	0	0	1	1	1	0	0	1	0
Cash Flow from Operating Activities	-404	-1800	-920	-75	173	-31	-3687	2434	123	2053	-283
Cash Flow from Investing Activities	-60	183	173	1828	-14	-305	3649	163	-123	-1164	1041
Cash Flow from Financing Activities	462	1615	746	-1752	-160	336	37	-2597	0	-889	-753
Net Cash Inflow / Outflow	-2	-2	-0	1	-1	0	-1	-0	0	-0	5
Closing Cash & Cash Equivalent	2	0	0	1	1	1	0	0	1	0	5

JIO Financial Serv. Ratios

#	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	77.43	356.44	-1489.26	2098.61	1196.49	-1988.51	1138.32	609.21	831.88	154.55	0.6
CEPS(Rs)	77.43	356.44	-1489.26	2098.61	1196.49	-1988.51	1138.32	609.21	831.88	154.7	0.62
DPS(Rs)	0	0	0	0	0	0	0	0	0	4400	0
Book NAV/Share(Rs)	5870.3	6226.73	7142.33	9240.94	10437.43	8448.91	9587.23	10196.44	11028.32	87627.03	38.46
Net Profit Margin	19.23	25.61	-131.84	45.08	81.58	382.44	65.84	41.69	113.07	75.07	59.94
Operating Margin	65.76	86.42	-3.27	98.9	95.06	115.19	92.08	77.45	119.02	118.52	83.26
PBT Margin	22.3	30.7	-129.23	70.55	70.95	351.2	55.5	40	119.02	118.52	81.65
ROA(%)	1.08	2.74	-7.19	9.77	6.27	-10.08	5.19	3.61	7.85	0.23	1.55
ROE(%)	1.33	5.89	-22.28	25.62	12.16	-21.06	12.62	6.16	7.84	0.31	1.82
ROCE(%)	3.78	9.65	-0.19	23.56	7.75	-3.07	7.67	7.13	8.25	0.37	2.16
Price/Earnings(x)	0	0	0	0	0	0	0	0	0	0	587.71
Price/Book(x)	0	0	0	0	0	0	0	0	0	0	9.2
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	3.93	6.84	11.73	1.29	5.87	-22.11	6.94	0.01	0.01	-102.21	345.31
EV/Core EBITDA(x)	5.98	7.91	-358.16	1.3	6.17	-19.2	7.53	0.01	0.01	-86.24	405.33
Interest Earned Growth(%)	-25.57	245.66	-18.85	312.1	-68.49	-135.45	-432.52	-15.48	-49.65	-71.99	1432.69
Net Profit Growth	-5.33	360.36	-517.82	240.92	-42.99	-266.2	157.24	-46.48	36.55	-81.4	1123.9
EPS Growth(%)	-5.33	360.36	-517.82	240.92	-42.99	-266.2	157.24	-46.48	36.55	-81.42	-99.61
Interest Coverage(x) %	1.51	1.55	-0.03	3.49	3.94	-0.49	2.52	2.07	0	0	51.73

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 is almost debt free.

Cons

Promoter holding is low: 47.12%.
Company has a low return on equity of 3% over the last 3 years.
Stock is trading at 7.8 times its book value.

* 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.