544118 Stock Overview

Provides various banking products and services to individuals and enterprises in India. More details

544118 fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	5/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 7.2% below our estimate of its fair value

Revenue is forecast to grow 18.28% per year

Earnings grew by 75% over the past year

Trading at good value compared to peers and industry

Risk Analysis

No risks detected for 544118 from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Jana Small Finance Bank Limited Competitors

Utkarsh Small Finance Bank

NSEI:UTKARSHBNK

₹38.9b

DCB Bank

NSEI:DCBBANK

₹38.2b

South Indian Bank

NSEI:SOUTHBANK

₹65.4b

Fino Payments Bank

NSEI:FINOPB

₹26.7b

Price History & Performance

Summary of share price highs, lows and changes for Jana Small Finance Bank
Historical stock prices
Current Share Price	₹378.60
52 Week High	₹760.85
52 Week Low	₹365.00
Beta	0
1 Month Change	-8.06%
3 Month Change	-35.42%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	2.82%

Recent updates

Shareholder Returns

	544118	IN Banks	IN Market
7D	-6.0%	-5.4%	-4.2%
1Y	n/a	8.7%	19.1%

Return vs Industry: Insufficient data to determine how 544118 performed against the Indian Banks industry.

Return vs Market: Insufficient data to determine how 544118 performed against the Indian Market.

Price Volatility

Is 544118's price volatile compared to industry and market?
544118 volatility
544118 Average Weekly Movement	4.9%
Banks Industry Average Movement	4.5%
Market Average Movement	6.2%
10% most volatile stocks in IN Market	9.0%
10% least volatile stocks in IN Market	4.1%

Stable Share Price: 544118 has not had significant price volatility in the past 3 months compared to the Indian market.

Volatility Over Time: 544118's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1999	21,800	Ajay Chamanlal Kanwal	www.janabank.com

Jana Small Finance Bank Limited provides various banking products and services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts.

Jana Small Finance Bank Limited Fundamentals Summary

How do Jana Small Finance Bank's earnings and revenue compare to its market cap?
544118 fundamental statistics
Market cap	₹39.62b
Earnings (TTM)	₹7.24b
Revenue (TTM)	₹24.40b

5.5x

P/E Ratio

1.0x

P/B Ratio

Is 544118 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
544118 income statement (TTM)
Revenue	₹24.40b
Cost of Revenue	₹0
Gross Profit	₹24.40b
Other Expenses	₹17.17b
Earnings	₹7.24b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	69.18
Gross Margin	100.00%
Net Profit Margin	29.65%
Debt/Equity Ratio	91.9%

How did 544118 perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 03:52
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Jana Small Finance Bank Limited is covered by 2 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Chintan Shah	ICICI Securities Ltd.
Nidhesh Jain	Investec Bank plc (UK)