Jana Small Finance Bank Intrinsic Value
JSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹354.00 | ₹283.20 - ₹424.80 | -4.7% | EPS: ₹29.50, Sector P/E: 12x |
| Book Value Method | asset | ₹313.75 | ₹282.38 - ₹345.12 | -15.6% | Book Value/Share: ₹392.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹583.90 | ₹525.51 - ₹642.29 | +57.1% | Revenue/Share: ₹583.90, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹148.64 | ₹133.78 - ₹163.50 | -60.0% | EBITDA: ₹306.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹929.00 | ₹743.20 - ₹1114.80 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹472.00 | ₹424.80 - ₹519.20 | +27.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹253.70 | ₹228.33 - ₹279.07 | -31.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹295.24 | ₹265.72 - ₹324.76 | -20.5% | ROE: 7.5%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹510.21 | ₹459.19 - ₹561.23 | +37.3% | EPS: ₹29.50, BVPS: ₹392.19 |
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Valuation Comparison Chart
JSFB Intrinsic Value Analysis
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 ₹354.00 (median value). With the current market price of ₹371.60, this represents a -4.7% variance from our estimated fair value.
The valuation range spans from ₹148.64 to ₹929.00, indicating ₹148.64 - ₹929.00.
Is JSFB undervalued or overvalued?
Based on our multi-method analysis, Jana Small Finance Bank (JSFB) appears to be trading near calculated value by approximately 4.7%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.5% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 38.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Jana Small Finance Bank
Additional stock information and data for JSFB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹615 Cr | ₹-18 Cr | Positive Operating Cash Flow | 6/10 |