Jana Small Finan (JSFB)
Fast GrowerFairStock Score: 46/100 — MIXED
Score breakdown: P/E: 2/3 · ROCE: 0/2 · Growth: 0/2 · Dividend: 0/1
Key Financials
| Current Price | ₹577.75 |
| Market Cap | ₹6,109.85 Cr |
| P/E Ratio | 16.08 |
| ROCE | 8.15% |
| ROE | 8.03% |
| Dividend Yield | 0% |
| Profit Growth | 52.29% |
| Debt/Equity | — |
| Sales Growth | 14.86% |
| Promoter Holding | 21.86% |
| 52-Week Range | ₹330 — ₹599.4 |
| Sector | Banks |
| Book Value | ₹424.58 |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
At first glance, Jana Small Finan looks like a bargain. The stock trades at ₹468.85, just 1.25 times book value of ₹376.34, and the trailing P/E appears modest at 12.59. But as Graham taught us, a share of stock is not a ticker symbol; it is an ownership interest in a business. Look beneath the headline: profits have collapsed by 91.24%, and the latest quarter delivered only ₹10 crore of net profit on ₹1,384 crore of sales. That is an extremely thin earnings margin. The 17.56% sales growth is pleasant, but a bank that cannot translate growth into profit is not compounding value for owners. Return on equity is just 8.03%, below what I would demand from a financial institution. The Piotroski F-score of 4 out of 9 reinforces my concern about underlying financial health. There is no dividend, so the investor receives no compensation while waiting. With promoter holding at only 21.86%, I don't see the strong owner-operator alignment I prefer.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer