Jana Small Finance Bank Intrinsic Value
JSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹469.20 | ₹375.36 - ₹563.04 | +11.5% | EPS: ₹39.10, Sector P/E: 12x |
| Book Value Method | asset | ₹313.75 | ₹282.38 - ₹345.12 | -25.4% | Book Value/Share: ₹392.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹557.81 | ₹502.03 - ₹613.59 | +32.6% | Revenue/Share: ₹557.81, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹1052.00 | ₹841.60 - ₹1262.40 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹625.60 | ₹563.04 - ₹688.16 | +48.7% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹336.26 | ₹302.63 - ₹369.89 | -20.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹391.43 | ₹352.29 - ₹430.57 | -7.0% | ROE: 10.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹587.39 | ₹528.65 - ₹646.13 | +39.6% | EPS: ₹39.10, 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 8 different valuation methods, the estimated intrinsic value of Jana Small Finance Bank (JSFB) is ₹557.81 (median value). With the current market price of ₹420.80, this represents a +32.6% variance from our estimated fair value.
The valuation range spans from ₹313.75 to ₹1052.00, indicating ₹313.75 - ₹1052.00.
Is JSFB undervalued or overvalued?
Based on our multi-method analysis, Jana Small Finance Bank (JSFB) appears to be trading below calculated value by approximately 32.6%.
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 |
| Debt to Equity Ratio | 9.34 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 10.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 41.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | 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 |