Jana Small Finance Bank Limited (JSFB) Fair Value & Analysis
Financial Services · IN · Market cap ₹50.5B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price −3.0% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹348.99 – ₹510.24 · fair‑value band ₹302.13 – ₹503.55 · the ₹479.10 price screens above the ₹402.84 fair value. As of Jul 3, 2026.
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Jana Small Finance Bank Limited (JSFB) currently trades at ₹479.10, while our model-based Fair Value estimate is ₹402.84 — implying the stock looks roughly 15.9% overvalued today. We read business quality at 44/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Jana Small Finance Bank Limited generated revenue of ₹27.8B at a net margin of 11.8%. Revenue grew 17.6% year over year. It earns a return on equity of 7.6%. Net debt stands at ₹29.4B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group and individual, and home loans, as well as consumer education on loan overdue concepts. It also offers life, general, and health insurance products; cards; and investment and payment services, as well as mobile, internet, and corporate internet banking services. The company was formerly known as Janalakshmi Financial Services Limited and changed its name to Jana Small Finance Bank Limited in March 2018. Jana Small Finance Bank Limited was founded in 1999 and is headquartered in Bengaluru, India.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Jana Small Finance Bank Limited reported revenue of ₹63.7B in FY2025 versus ₹30.1B in FY2021, a compound +20.7%/yr. Reported net income was ₹3.3B in FY2025, compounding +107.9%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.