Jana Small Finance Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Jana Small Finance Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Less steady than 66% of Financial Services companies in India.
Growth Efficiency Ratio
₹6Sales grew 51% in 3 years; of every extra ₹100 of sales, ₹6 became extra profit.
Lower than 70% of Financial Services companies in India.
Asset Productivity Ratio
+51% / +85%In 3 years sales changed by +51% while total assets changed by +85%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Jana Small Finance Bank Limited owes ₹0.91 for every ₹1 it owns. Net profit fell 35% in the year to Mar 2026, and grew 8% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
10.7Investors pay ₹10.7 for every ₹1 of Jana Small Finance Bank Limited's yearly profit, lower than 66% of Financial Services companies in India.
P/B ratio
0.91The share price is 0.91 times Jana Small Finance Bank Limited's book value per share, lower than 70% of Financial Services companies in India.
Market cap
₹4,055 CrThe total market value of all of Jana Small Finance Bank Limited's shares at today's price (share price × number of shares), smaller than 51% of Financial Services companies in India. PosiCap size class: Mini Cap.
Net worth (book value)
₹4,470 CrWhat Jana Small Finance Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹422.43Net worth divided by the number of shares. The share price of ₹383.15 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
8.5%Jana Small Finance Bank Limited earned 8.5% on its shareholders' money over the last year, lower than 63% of Financial Services companies in India.
Owes vs Owns
0.91×Jana Small Finance Bank Limited owes ₹0.91 for every ₹1 it owns (high), higher than 87% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneJana Small Finance Bank Limited does not currently pay a dividend.
Revenue growth
+11%Revenue rose 11% in the year to Mar 2026, and grew 15% a year on average over 3 years.
Profit growth
-35%Net profit fell 35% in the year to Mar 2026, and grew 8% a year on average over 3 years.
Profit margin
9.7%Jana Small Finance Bank Limited keeps ₹10 of every ₹100 of revenue as net profit.
Questions
What is Jana Small Finance Bank Limited's P/E ratio?
Investors pay ₹10.7 for every ₹1 of Jana Small Finance Bank Limited's yearly profit, lower than 66% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Jana Small Finance Bank Limited: ₹4,055 Cr ÷ ₹4,470 Cr (31 Mar 2026) = 0.9.
What is Jana Small Finance Bank Limited's return on equity?
Jana Small Finance Bank Limited earned 8.5% on its shareholders' money over the last year, lower than 63% of Financial Services companies in India.
How much does Jana Small Finance Bank Limited owe compared with what it owns?
Jana Small Finance Bank Limited owes ₹0.91 for every ₹1 it owns (high), higher than 87% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Jana Small Finance Bank Limited pay a dividend?
No. Jana Small Finance Bank Limited does not currently pay a dividend.
Is Jana Small Finance Bank Limited's revenue growing?
Revenue rose 11% in the year to Mar 2026, and grew 15% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.