Jana Small Finance Bank Intrinsic Value
Jana Small Finance Bank intrinsic value. Jana Small Finance Bank (JSFB) median intrinsic value is ₹361.90 from 9 valuation models (range ₹199–₹631), vs current price ₹498.60 — -27.4% downside (Trading Above Calculated Value), margin of safety -37.8%. For current market price and key ratios, visit Jana Small Finance Bank share price chart.
JSFB Valuation Methods Summary — DCF, Graham Number & P/E
Jana Small Finance Bank intrinsic value across 9 models vs current price ₹498.60 — upside/downside and value range per method. Compare with JSFB fair value estimate to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹433.20 | ₹346.56 - ₹519.84 | -13.1% | EPS: ₹36.10, Sector P/E: 12x |
| Book Value Method | asset | ₹340.57 | ₹306.51 - ₹374.63 | -31.7% | Book Value/Share: ₹425.71, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹630.67 | ₹567.60 - ₹693.74 | +26.5% | Revenue/Share: ₹630.67, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹199.44 | ₹179.50 - ₹219.38 | -60.0% | EBITDA: ₹380.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹525.20 | ₹420.16 - ₹630.24 | +5.3% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹231.04 | ₹207.94 - ₹254.14 | -53.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹310.46 | ₹279.41 - ₹341.51 | -37.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹361.90 | ₹325.71 - ₹398.09 | -27.4% | ROE: 8.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹588.04 | ₹529.24 - ₹646.84 | +17.9% | EPS: ₹36.10, BVPS: ₹425.71 |
JSFB Intrinsic Value vs Market Price — All Valuation Models
Jana Small Finance Bank fair value range ₹199–₹631 vs current market price ₹498.60 across 9 valuation models. Read JSFB dividend growth for the complete payout history and dividend yield track record.
JSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Jana Small Finance Bank median intrinsic value ₹361.90, current price ₹498.60 — Trading Above Calculated Value by 27.4%, margin of safety -37.8%.
What is the intrinsic value of JSFB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Jana Small Finance Bank (JSFB) is ₹361.90 (median value). With the current market price of ₹498.60, this represents a -27.4% variance from our estimated fair value.
The valuation range spans from ₹199.44 to ₹630.67, indicating ₹199.44 - ₹630.67.
Is JSFB undervalued or overvalued?
Based on our multi-method analysis, Jana Small Finance Bank (JSFB) appears to be trading above calculated value by approximately 27.4%.
JSFB Financial Health — Key Ratios vs Industry Benchmarks
Jana Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 40.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
JSFB Cash Flow Quality — Operating & Free Cash Flow
Jana Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹594 Cr | ₹-1,473 Cr | Positive Operating Cash Flow | 6/10 |
| March 2025 | ₹4,073 Cr | ₹3,913 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹708 Cr | ₹318 Cr | Positive Free Cash Flow | 7/10 |
| March 2023 | ₹-1,137 Cr | ₹-1,355 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹859 Cr | ₹194 Cr | Positive Free Cash Flow | 7/10 |