JIOFIN

JIO Financial Services Ltd.

NSE: JIOFIN

BSE: 543940

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

239.42-0.3 (-0.13%)

3 Jul, 2:29 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

24.1 / 100

Value Score

32.2 / 100

Price Momentum Score

32.9 / 100

QVM Score

13.2 / 100

Key Metrics

Market Cap

1,58,297 Cr

P/E (TTM)

101.41

P/B

1.18

P/S (TTM)

45.06

EV/EBITDA

74.29

CAPE (5Y)

152.90

ROE (TTM)

1.21

ROCE (TTM)

1.65

ROA (TTM)

1.05

Avg 3Y ROE

1.24

Earnings 3Y CAGR

268.40

Sales 3Y CAGR

338.63

Sales 5Y CAGR

64.11

Debt/Equity

0.16

Consensus TP

306.50

Strong Buy %

Promoter Holding

47.12

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of JIO Financial Services Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and reasonably valued with respect to the industry

PB of 1.18 indicates that the stock is cheap on a standalone basis. Premium to industry median P/B is modest at 4.42%

What is P/B Ratio?

Median: 1.13

Value 1.18

057.95

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 71.97% for 12-month ended 31 Mar 2026 and the growth was 60.92 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11.05

Value 71.97

-519.5340214.8

Low Debt to Equity, not much change from last year

The company has low Debt to Equity of 0.16 as on 31 Mar 2026 and Debt to Equity increased marginally by 0.13 in the last 1 year

What is Debt to Equity?

Negative

Analysts have been downgrading forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has decreased by -16.1% in the last 3 months, indicating weak earnings momentum

What is Earnings upgrade (3M)?

Not enough data

Low but stable ROE

The company reported low ROE of 1.21% for 12-month ended 31 Mar 2026 and ROE declined marginally by -1 bps from 1 year ago

What is ROE (FY)?

Low EPS growth and lower than median growth of industry

The company delivered moderate EPS growth of -3.15% for 12-month ended 31 Mar 2026 and the growth was 3.43 percentage points lower than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.21%

What is Dividend yield?

Neutral

High operating margin but declining trend

The company reported strong operating margin of 66.65% for 12-month ended 31 Mar 2026 but operating margin declined by -1001 bps from 1 year ago

What is Operating profit margin?

Financial Snapshot

See detailed analysis

Multi-year trends for JIO Financial Services Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

JIO Financial Services Ltd. Shareholding Pattern

Quarterly breakdown of JIO Financial Services Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2013	Jun 2014	Mar 2015	Jun 2016	Jun 2017	Jun 2018	Jul 2019	Mar 2020	Mar 2021	Mar 2022	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	46.77	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12
Indian Promoter	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	46.77	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12	47.12
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-
Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	35.36	32.96	32.11	29.48	28.42	28.22	26.04	27.17	26.81	27.09	26.76
Mutual Funds / UTI	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	4.71	4.91	4.74	4.04	4.17	5.13	6.58	6.45	6.47	7.16	5.97
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	8.05	7.45	7.19	7.18	6.66	6.70	7.03	7.63	7.69	7.48	7.47
Govt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.06	0.07	0.07	0.08	0.08	0.08	0.08	0.09	0.09	0.09	0.09
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	21.58	19.83	19.45	17.55	16.88	15.62	11.66	12.30	11.85	11.55	12.31
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.95	0.70	0.64	0.64	0.63	0.69	0.69	0.69	0.71	0.81	0.91
Non-Institution	0.00	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	17.87	19.92	20.78	23.38	24.45	24.64	26.84	25.71	26.07	25.78	26.12
Bodies Corporate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.73	1.78	1.39	1.57	1.65	1.42	1.46	1.37	1.37	1.36	1.44
Others (incl. Retail) No. of shareholders	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	16.14 39,71,670	18.14 40,71,898	19.39 43,88,161	21.81 47,91,345	22.80 48,49,362	23.22 49,67,641	25.38 52,48,064	24.34 51,07,196	24.70 50,62,149	24.42 49,50,942	24.68 49,33,307

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Non Banking Financial Company (NBFC)	9.34%	3 / 21
2	Nifty Financial Services	2.6%	11 / 20
3	Nifty 50 Equal Weight	1.91%	32 / 50
4	Nifty 100 Equal Weight	0.94%	68 / 100
5	Nifty 50	0.72%	46 / 50
6	Nifty 100	0.6%	49 / 100
7	Nifty 500	0.4%	53 / 499
8	Nifty Total Market	0.39%	53 / 749
9	NIFTY Large Midcap 250	0.28%	124 / 250

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in JIO Financial Services Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Average price	Qty.	Transaction value
Anuradha Sethuraman Immediate Relative	April-2025	Market Purchase (Acquisition) 25th Apr 2025	₹ 249.00	20.00 k	₹ 49.80 lac
Leema Kuriyakku Tharakan Immediate Relative	October-2024	Market Purchase (Acquisition) 30th Oct 2024	₹ 316.89	6.00 k	₹ 19.01 lac
Anuradha Sethuraman Immediate Relative	July-2024	Market Purchase (Acquisition) 29th Jul 2024	₹ 335.50	3.00 k	₹ 10.06 lac

Corporate Actions

History of JIO Financial Services Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.50/share
Record date: 11th Aug 2025Ex-date: 11th Aug 2025
Announced on: 17th Apr 2025

Company Profile

Overview of JIO Financial Services Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Jio Financial Services Ltd. is an India-based core investment company. The Company provides full-stack financial services to customers, enabling them to borrow, transact, save and invest. The Company operates its financial services business through consumer-facing entities. Through Jio Finance Limit...

Key personnel

Ms. Annapoorna Venkataramanan

Group Chief Financial Officer

Ms. Mohana Venkatachalam

Group Company Secretary and Compliance Officer

Shri. Sandeep Khetan

Group Chief Risk Officer

Shri. Kundapur Vaman KamathD

Non-Executive Independent Chairman of the Board

Shri. Hitesh Kumar SethiaD

Chief Executive Officer, Managing Director, Executive Director

Mr. Jagannatha G.V. KumarD

Director

Ms. Isha Mukesh AmbaniD

Non-Executive Director

Mr. Anshuman ThakurD

Non-Executive Director

View all

Incorporated on

22 Jul 1999

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

IPO date

21 Aug 2023

Free Float

3,28,80,78,130

Website

https://www.jfs.in/

Phone no.

+912235554094

Address

1ST FLOOR, BUILDING 4NA, MAKER MAXITY,BANDRA KURLA COMPLEX,, BANDRA(EAST), MUMBAI,, , 400051, India

Frequently Asked Questions

What is the current share price of JIO Financial Services Ltd.?

The current share price of JIO Financial Services Ltd. is ₹ 239.42 as of 3 Jul 2026.

What is the market capitalisation of JIO Financial Services Ltd.?

The market capitalisation of JIO Financial Services Ltd. stands at ₹ 1,58,297.00 Cr.

What is the PE ratio of JIO Financial Services Ltd.?

The Price-to-Earnings (PE) ratio of JIO Financial Services Ltd. is 101.41 as of the latest trailing twelve months data.

What is the ROE and ROCE of JIO Financial Services Ltd.?

JIO Financial Services Ltd. has a Return on Equity (ROE) of 1.21% and a Return on Capital Employed (ROCE) of 1.65% as per the latest financial reports.

What is the 52-week high and low of JIO Financial Services Ltd.?

The 52-week high of JIO Financial Services Ltd. is - and the 52-week low is -.

What is the dividend yield of JIO Financial Services Ltd.?

The dividend yield of JIO Financial Services Ltd. is 0.21% based on the current market price.

What is the FII and DII holding in JIO Financial Services Ltd.?

Foreign Institutional Investors (FII) hold 12.31%, Domestic Institutional Investors (DII) hold 13.44% and retail/public investors hold 24.68% of JIO Financial Services Ltd. shares.

What sector does JIO Financial Services Ltd. belong to?

JIO Financial Services Ltd. operates in the Financial Services sector.

What is the beta of JIO Financial Services Ltd.?

The beta of JIO Financial Services Ltd. is 1.46, indicating its price volatility relative to the broader market. Over the past 1 year, JIO Financial Services Ltd. has delivered an absolute return of -20.30%.

What is the RSI of JIO Financial Services Ltd.?

The 14-day Relative Strength Index (RSI) of JIO Financial Services Ltd. is 51.57, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

JIO Financial Services Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

JIO Financial Services Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Holdings and Presence

Stock Analysis

Corporate Actions

Company Profile