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Jana Small Finance Bank Ltd

NSE:JSFBFinancial ServicesNSE:NIFTY_MICROCAP250NSE:NIFTY_TOTAL_MKT

₹428.00−12.76%At closeAt close · Mon 19 Oct · ≈ AED 16.51 · Market cap $545.7M · Next earnings Fri 23 Oct

Ratio	FY2021	FY2022	FY2023	FY2024	FY2025	FY2026	Current · undated	YoY
Gross margin	53.9%	55.5%	61.0%	58.2%	56.8%	43.5%	—	—
Operating margin	2.7%	0.6%	7.1%	11.4%	8.8%	5.1%	5.1%	+0.0 pts
Net margin	2.7%	0.6%	7.1%	14.8%	9.3%	5.1%	5.1%	+0.0 pts
EBITDA margin	5.8%	3.3%	8.9%	12.8%	10.0%	6.3%	—	—
Return on equity	6.5%	1.5%	14.2%	18.7%	12.2%	7.3%	7.3%	+0.0 pts
Return on assets	0.4%	0.1%	1.0%	2.0%	1.3%	0.7%	0.7%	+0.0 pts
Return on capital employed	1.1%	0.3%	3.0%	5.5%	5.6%	2.8%	—	—
Debt / equity	4.4×	3.1×	3.1×	1.2×	0.8×	1.2×	1.2×	+0.0%
Debt / assets	25.5%	18.4%	21.6%	13.5%	8.8%	11.6%	—	—
Interest coverage	0.1×	0.0×	0.2×	0.3×	0.2×	0.1×	—	—
Current ratio	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	25.1×	—	—	—	—	—	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—