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Jana Small Finance Bank Complete Financial Statements

9 Years of Data
2026 - 2018

In FY2026, Jana Small Finance Bank (JSFB) reported revenue ₹5,353 Cr, net profit ₹326 Cr and EPS ₹31.02, with a net profit margin of 6.1% and ROE of 7.9%. Full financial statements from FY2018 to FY2026 (9 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Explore Jana Small Finance Bank intrinsic price to estimate fundamental worth using multiple valuation models.

Complete Financial Data Export

Profitability Ratios

Net Profit Margin 6.09% 2026 data
Operating Margin 39.00% 2026 data
Return on Assets 0.85% 2026 data
Return on Equity 7.92% 2026 data

Balance Sheet Ratios

Current Ratio 0.14 2026 data
Equity Ratio 10.71% 2026 data
Asset Turnover 0.14 2026 data

JSFB Revenue, Net Profit & EBITDA — Year-on-Year Growth

JSFB YoY (March 2025 vs March 2026) — revenue -2.4%, net profit -34.9%, EBITDA -100.0%, expenses +24.8%. Review JSFB PE ratio trends to evaluate earnings-based valuation against sector peers.

Revenue Growth
-2.4%
Year-over-Year
Net Profit Growth
-34.9%
Year-over-Year
EBITDA Growth
-100.0%
Year-over-Year
Expense Growth
+24.8%
Year-over-Year
Assets Growth
+17.6%
Year-over-Year
Equity Growth
+15.1%
Year-over-Year
Operating Cash Flow Growth
+475.3%
Year-over-Year
Investing Cash Flow Growth
+58.8%
Year-over-Year
Financing Cash Flow Growth
-4014.7%
Year-over-Year

JSFB Income Statement — Revenue, EBITDA & Net Profit

Jana Small Finance Bank revenue ₹5,353 Cr, EBITDA ₹0 Cr, net profit ₹326 Cr, EPS ₹31.02 (2026) — net profit margin 6.1%. For live price, earnings ratios and company overview, see JSFB stock price BSE.

Periods ₹ Crores
Particulars March 2026 March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019 March 2018
Revenue 5,353 5,486 4,684 3,700 3,050 2,733 2,425 1,368 1,597
Expenses 3,289 2,635 2,222 1,960 1,627 1,331 1,322 2,404 2,760
EBITDA 0 534 576 325 86 167 123 -1,850 -2,327
Operating Profit Margin % 39.00% 44.00% 45.00% 36.00% 40.00% 47.00% 34.00% -92.00% -78.00%
Depreciation 0 61 62 69 81 83 93 99 84
Interest 2,760 2,317 1,886 1,415 1,337 1,235 980 814 1,164
Profit Before Tax 326 474 514 256 5 84 30 -1,949 -2,411
Tax 0 -28 -155 0 0 0 0 0 93
Net Profit 326 501 670 256 5 84 30 -1,949 -2,504
Earnings Per Share (₹) 31.02 47.89 90.85 47.47 1.06 16.62 6.21 -471.84 -787.88

JSFB Balance Sheet — Assets, Liabilities & Shareholders' Equity

JSFB total assets ₹38,464 Cr, total equity ₹4,118 Cr, total liabilities ₹ Cr (2025) — ROE 7.9%.

Years Annual Data ₹ Crores
Particulars 2025 2024 2023 2022 2021 2020 2019 2018
ASSETS
Total Assets 38,464 32,710 25,644 20,189 19,091 14,145 9,446 9,749
Current Assets 5,025 2,564 2,535 1,945 2,569 1,278 1,427 1,338
Fixed Assets 150 139 123 171 211 259 332 360
Capital Work in Progress 3 3 5 1 1 1 2 25
Investments 5,945 6,738 5,221 5,065 4,698 2,650 1,468 1,998
Other Assets 32,366 25,831 20,295 14,952 14,181 11,234 7,644 7,367
LIABILITIES
Total Liabilities
Current Liabilities 37,105 31,360 24,409 19,251 18,328 13,594 8,959 9,191
Non-Current Liabilities
SHAREHOLDERS' EQUITY
Total Equity 4,118 3,577 1,797 1,201 1,127 1,044 674 1,529
Share Capital 105 105 325 201 201 201 197 39
Reserves & Surplus 4,013 3,473 1,452 999 926 843 477 1,490

JSFB Cash Flow Statement — Operating, Investing & Financing

Jana Small Finance Bank operating cash flow ₹4,073 Cr, investing ₹-321 Cr, financing ₹-1,331 Cr, net cash flow ₹2,421 Cr (2025).

Periods ₹ Crores
Particulars March 2025 March 2024 March 2023 March 2022 March 2021 March 2020 March 2019
Operating Activities 4,073 708 -1,137 859 615 949 2,771
Investing Activities -321 -780 -435 -1,330 -1,266 -285 -231
Financing Activities -1,331 34 2,104 -240 1,917 -852 -2,489
Net Cash Flow 2,421 -39 532 -711 1,266 -188 51