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Unlisted Shares

JANA Small Finance Bank Essentials

As of September 18, 2024, Jana Small Finance Bank, Listed share price is ₹582.00 per share.
ISIN
INE953L03023
Face Value
₹ 10
Total Share
5,49,78,703
Total Income
₹ 1,540.48 undefined
Profit After Tax
₹ 255.97 undefined
EPS
₹ 47.47
P/E
12.26
P/B
2.13
Market Capitalisation
₹ 3,199.76 Cr
Enterprise Value
₹ 16,039.81 Cr
Book Value
₹ 272.65
Intrinsic Value
₹ 364
Earnings Yield
8.16 %
Sector
Financials
Sub-sector
Small Finance Bank
Category
Listed
Cashflow - Operations
-₹ 1,137.18
Cashflow - Financing
2,103.62

JANA Small Finance Bank Growth

Compounded Sales Growth

1 Year5 Year9 Year

Compounded Profit Growth

1 Year9 Year

Highlights

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  • Increasing Net Interest Income: Over the past five years, the company has reported a compound annual growth rate (CAGR) of 14.61% in Net Interest Income (NII). In FY23, the NII increased by 12.78% to Rs. 3075.01 Cr. from Rs. 2726.54 Cr.
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  • Robust Profit Growth: Over the past five years, the company's bottom line has improved at a CAGR of 163.48%. In FY23, the bottom line rose from Rs. 5.41 Cr. to Rs. 255.97 Cr., an increase of 4635.12%.
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  • Growing Loan Book: The loan book has grown 36.54% Y-o-Y and 24.12% CAGR over the past 5 years.
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  • Adequate Liquidity: The Capital Adequacy Ratio (CAR) of the company in FY23 stands out at 15.57% which is way above the regulatory requirement of 9.0%
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  • Prominent Investors: Bajaj Alliance Life Insurance Company Ltd., ICICI Prudential Life Insurance Company Ltd., Tree Line Asia Master Fund (Singapore) Pte. Ltd., HarbourVest Partners Co-Investment Fund IV L.P., Hero Enterprise Partner Ventures, Amansa Holdings Pte. Ltd., North haven Private Equity Asia Platinum Pte. Ltd., TPG Asia VI SF Pte. Ltd.​
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  • Investment Thesis: The company's P/E ratio currently stands at 7.7x, which is lower than the industry average of 16.6x. Furthermore, the company's P/B ratio is at 1.3x compared to the industry average of 2.2x, indicating that it is relatively undervalued. (Peers taken are AU Small Finance Bank, Equitas Small Finance Bank, Ujjivan Small Finance Bank, and  Suryoday Small Finance Bank.)

Business Rating

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Accounting Practice
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Profitability
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Growth
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Valuation
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Overall Ratings
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