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JIO Financial Services Ltd.

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jfs.inBSE: 543940NSE: JIOFIN
Market Cap₹ 1,51,872 Cr.
Current Price
High / Low₹ 322 / 223
Stock P/E212.5
Book Value₹ 51
Price to Book5.62
Dividend Yield0.26 %
ROCE2.9 %
ROE2.7 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 40.8% CAGR over last 5 years
  • Asset quality is healthy - gross NPA of just 0.0%
  • Solid return on assets for a lender - ROA of 2.5%
  • Promoters have been increasing their shareholding - up 2.0pp over 2 years
  • Latest quarter profit grew 47.3% YoY, showing strong momentum
  • Company has delivered good sales growth of 27.4% CAGR over last 5 years

CONS

  • Company has a low return on capital employed of 2.6%
  • Company has a low return on equity of 2.2% over last 3 years
  • Equity base is being diluted - shares outstanding up 314411.9%
  • Operating margins have contracted to 80.3% from 118.5%
  • Stock is trading at 5.6x its book value

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTYLARGEMIDCAP250NIFTY100 EQL WGTNIFTY FIN SERVICENIFTY TOTAL MKT
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4714.6523.6052381.580.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
215149134141134383137152134520159135219
6223333335144453562444075
Operating Profit209127101107101332931069945911594146
OPM %97.41%85.06%75.20%76.20%75.40%86.61%68.01%70.04%73.99%88.12%72.49%69.99%66.85%
Other Income0000001023020000
Interest10000000000000
Depreciation3333333333332
19612498104983291011269647511291144
Tax %25.66%28.16%27.89%25.24%26.69%7.27%25.38%22.92%25.68%3.87%34.77%12.49%26.89%
Net Profit145897078723057597714567380105
281000000001000

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
943296-105349283149426388069491,034
11161628707694174187221
Operating Profit931280-12132221314136544632762812
OPM %98.79%94.65%115.27%92.08%75.28%95.03%86.64%85.19%78.46%80.28%78.60%
11001636130342620
Interest269712481281110010000
Depreciation000000012121312
Profit before Tax663210-36919411817749521653774822
Tax %36.10%-14.99%-8.89%-18.63%-4.24%4.99%36.66%26.59%15.99%12.06%13.07%
Net Profit424242-40223012316831382549681715
EPS820.23467.64-1988.32444.90238.10325.1360.460.600.861.07—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%2846.89%0.00%57.87%55.97%—

COMPOUNDED SALES GROWTH

10 Years:
15%
5 Years:
27%
3 Years:
184%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
41%
3 Years:
179%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
-2%
1 Year:
-26%

RETURN ON EQUITY

10 Years:
5%
5 Years:
3%
3 Years:
2%
Last Year:
3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2026

Aug 10

₹ 0.06

Rs.0.6000 per share(6%)Final Dividend

2025

Aug 11

₹ 0.05

Rs.0.5000 per share(5%)Final Dividend

2026

Jul 31

₹ 0.06

Rs.0.6000 per share(6%)Final Dividend

Mar 2014Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital22222226,3536,3536,353
1,1841,8652,1061,7051,9352,05817,69918,08418,63218,996
4711,5601,7372,3212,4200743000
Trade Payables0001000269
594202271427-36,3601602744,148
Total Liabilities1,7163,8463,8674,1004,7832,05624,80324,59925,26629,506
00000049372816
6312803,7113,1442065719,40119,72022,70628,094
5142,57600000000
0000000000
Cash & Bank15335221005,2504,5905581,028
4186381549554,5771,9981042531,974368
Total Assets1,7163,8463,8674,1004,7832,05624,80324,59925,26629,506

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
1,455339-42-3,9482,0351392,045-283-1,7721,360
Cash from Investing372-14-2663,957472-123-1,1641,0411,776-4,999
Cash from Financing-1,752-16033637-2,5970-889-75303,639
1-10-1-00-054-0

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
47.1247.1247.1247.1247.1247.1247.1247.1249.13
17.5316.8615.6011.6612.3011.8511.5512.3111.27
11.7911.3912.4314.2114.6814.7815.3614.2613.27
0.080.080.080.080.090.090.090.090.09
23.3824.4524.6426.8425.7126.0725.7826.1226.16

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-01
Updates

2026-09-01 - This is further to the disclosure dated August 26, 2026 made by the Company. We wish to inform that the Company executives participated in the Institutional Investors' Meeting - Ashwamedh Elara India Dialogue 2026

2026-08-28
Shareholders meeting

2026-08-28 - The voting results along with the consolidated Scrutinizer's Report in respect of the Third Annual General Meeting (Post Listing) of the Company held on Wednesday, August 26, 2026, are attached

2026-08-26
Change in Director(s)

2026-08-26 - Jio Financial Services Limited has informed the Exchange regarding Change in Director(s) of the company.

2026-08-26
Change in Auditors

2026-08-26 - Jio Financial Services Limited has informed the Exchange regarding Change in Auditors of the company.

2026-08-26
Shareholders meeting

2026-08-26 - Gist of the proceedings of the Third Annual General Meeting (Post Listing) of the Company held today, i.e. Wednesday, August 26, 2026, is attached

2026-08-26
Updates

2026-08-26 - Presentation made to the members during the Third Annual General Meeting (Post Listing) of the Company

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Please note that the Company executives will be participating in the Institutional Investors Meeting organised by a third party - Ashwamedh Elara India Dialogue 2026 on September 1, 2026 at Mumbai

2026-08-17
Updates

2026-08-17 - This is further to the disclosure dated August 12, 2026 made by the Company. We wish to inform that the Company executives participated in the Institutional Investors Meeting.

2026-08-14
Updates

2026-08-14 - Jio Financial Services Limited has informed the Exchange regarding 'Presentation on Item Nos. 6 and 7 of the notice of 3rd Annual General Meeting (Post Listing) of the Company'.

News

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