JIO Financial Services Ltd (JIOFIN) fair value: what the stock is really worth
We calculate from audited financials what JIO Financial Services Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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JIO Financial Services Ltd
JIOFIN · NSEOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
37‑month range ₹200.14 – ₹386.44 · fair‑value band ₹128.88 – ₹214.80 · the ₹229.89 price screens above the ₹171.84 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Company profile
Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India.
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Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India. The company provides loans, savings accounts, recharges, digital insurance, financial tracking, management tools, digital banking, unified payments interface transactions, bill payments, and insurance advisory; and asset and wealth management, and broking services, as well as operating lease solutions to consumers and businesses through a Device-as-a-Service model. It also provides insurance broking services, such as car, bike, health, term, investment, SMEs, MSMEs, property, cyber risk, commercial lines, corporate, and education. In addition, it offers digital banking services, including zero balance, savings, salary, wallet, and online and offline payment solutions; debit cards; payment systems, including aadhaar enabled payment and domestic money transfer; digital payment solutions. Further, it provides home loan; home loan against balance transfer; loan against property, mutual funds, and shares; solar financing; corporate loans and lease; and distribution of life, non-life, and health insurance products. The company was formerly known as Reliance Strategic Investments Limited and changed its name to Jio Financial Services Limited in July 2023. Jio Financial Services Limited was incorporated in 1999 and is based in Mumbai, India.
Stock analysis
JIO Financial Services Ltd (JIOFIN) currently trades at ₹229.89, while our model-based Fair Value estimate is ₹171.84, implying the stock looks roughly 33.8% overvalued today.
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Valuation
How firm this estimate is: it rests on 26 models at a data quality of 96/100, which puts the evidence level at high.
Scenario range: ₹128.88 (bear) to ₹214.80 (bull), the price of ₹229.89 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
JIO Financial Services Ltd reported revenue of ₹35.4B in FY2026 versus ₹629K in FY2022, a compound +1,440.5%/yr. Reported net income was ₹15.6B in FY2026, compounding +452.1%/yr from FY2022. FY2022 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹1.6T (≈ $16.7B) · P/E ratio 70.1 · P/S ratio 30.9 · EPS (TTM) ₹3.28 · Dividend yield 0.3% · Net margin 44.1% · Return on equity 1.2% · Return on assets (EBIT) 2.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −25% fair-value upside, at −25%, JIOFIN screens cheaper than that median.
Fair Value models
All 2 models by family
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Set up alert →Quality Score breakdown
Of which business quality 62 · Market factors (momentum, volatility) 38
Revenue & earnings trend
Growth Forecast
JIOFIN screens 34% overvalued. Compare with Blackstone Inc →
Compare JIO Financial Services Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Asset Management · 655 stocks
Valuation Multiplesvs Asset Management median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Asset Management stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $126.70 | $52.88 | −58% |
| Investor AB INVEB | kr 402.35 | kr 495.29 | +23% |
| Brookfield Corporation BN | $37.03 | $13.75 | −63% |
| KKR & Co KKR | $100.00 | $19.97 | −80% |
| Apollo Global Management, Inc APO | $127.00 | $226.56 | +78% |
| State Street Corporation STT | $185.13 | $138.33 | −25% |
| Ameriprise Financial, Inc AMP | $540.86 | $536.83 | −1% |
| Ares Management Corporation ARES | $129.10 | $82.65 | −36% |
| Northern Trust Corporation NTRS | $178.74 | $122.02 | −32% |
| Raymond James Financial, Inc RJF | $164.57 | $239.85 | +46% |
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Frequently asked questions
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Key figures of JIO Financial Services Ltd
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