As of September 18, 2024, Jana Small Finance Bank, Listed share price is ₹582.00 per share.
ISIN
INE953L03023
An International Securities Identification Number (ISIN) is a code that uniquely identifies a specific securities issue. The numbers are allocated by a country's respective national numbering agency (NNA).
Face Value
₹ 10
Value of a security, as stated by its issuer. It has no relation with market price of the stock.
Total Share
5,49,78,703
Total shares or total number of shares outstanding represents the amount of stock on the open market, including shares held by institutional investors and restricted shares held by insiders and company officers.
Total Income
₹ 1,540.48 undefined
Gross income refers to the total income earned by an individual on a pay check before taxes and other deductions. It comprises all incomes received by an individual from all sources – including wages, rental income, interest income, and dividends.
Profit After Tax
₹ 255.97 undefined
It is the final profit left over after subtracting all operating and non operating items from net revenue.
EPS
₹ 47.47
It is the profit allocated to each outstanding share of common stock.
P/E
12.26
It is a valuation parameter that measures the company's current share price relative to its per-share earnings. Generally, high P/E is Overvalued & low P/E is Undervalued.
P/B
2.13
It shows the relationship between the current price and the book value of each share. A lower P/B ratio can mean that the stock is undervalued.
Market Capitalisation
₹ 3,199.76 Cr
Market capitalization is the aggregate valuation of the company based on its current share price and the total number of outstanding shares.
Enterprise Value
₹ 16,039.81 Cr
It measures companys total value, which includes market capitalization, debt and excludes cash.
Book Value
₹ 272.65
It calculates the per share value of a company based on its equity available to common shareholders
Intrinsic Value
₹ 364
Intrinsic value is the anticipated value of a company or stock determined through fundamental analysis. It is also referred to as the price a rational investor is willing to pay for an investment, given its level of risk.
Earnings Yield
8.16 %
Sector
Financials
A sector is an area in which businesses share the same or a related product or service. It can also be known as an industry or market that shares common operating characteristics
Sub-sector
Small Finance Bank
Subsectors are the divisions of a sector. They are areas that vary from the rest of the sector substantially enough to justify creating a plan just for the subsector.
Category
Listed
Category is defined as a class or division of things regarded as having particular shared characteristics.
Cashflow - Operations
-₹ 1,137.18
It indicates the amount of money a company brings in from its ongoing and regular operations over a fixed period of time.
Cashflow - Financing
₹ 2,103.62
It shows the net flows of cash that are used to fund the company, which include transactions involving debt, equity, and dividends.
JANA Small Finance Bank Growth
Compounded Sales Growth
1 Year5 Year9 Year
Compounded Profit Growth
1 Year9 Year
Highlights
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.
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%.
Growing Loan Book: The loan book has grown 36.54% Y-o-Y and 24.12% CAGR over the past 5 years.
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%
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.
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.)