Jana Small Finance Bank Intrinsic Value
Jana Small Finance Bank (JSFB) median intrinsic value is ₹496.32 from 8 valuation models (range ₹267–₹1221), vs current price ₹488.25 — +1.7% upside (Trading Near Calculated Value), margin of safety 1.6%. Also explore JSFB stock price history to track price trends across different timeframes.
JSFB Valuation Methods Summary — DCF, Graham Number & P/E
Jana Small Finance Bank intrinsic value across 8 models vs current price ₹488.25 — upside/downside and value range per method. Browse Jana Small Finance Bank annual reports for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹372.24 | ₹297.79 - ₹446.69 | -23.8% | EPS: ₹31.02, Sector P/E: 12x |
| Book Value Method | asset | ₹313.75 | ₹282.38 - ₹345.12 | -35.7% | Book Value/Share: ₹392.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹509.81 | ₹458.83 - ₹560.79 | +4.4% | Revenue/Share: ₹509.81, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹1220.62 | ₹976.50 - ₹1464.74 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹496.32 | ₹446.69 - ₹545.95 | +1.7% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹266.77 | ₹240.09 - ₹293.45 | -45.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹310.48 | ₹279.43 - ₹341.53 | -36.4% | ROE: 7.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹523.19 | ₹470.87 - ₹575.51 | +7.2% | EPS: ₹31.02, BVPS: ₹392.19 |
JSFB Intrinsic Value vs Market Price — All Valuation Models
Jana Small Finance Bank fair value range ₹267–₹1221 vs current market price ₹488.25 across 8 valuation models. For current market price and key ratios, visit Jana Small Finance Bank share price chart.
JSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Jana Small Finance Bank median intrinsic value ₹496.32, current price ₹488.25 — Trading Near Calculated Value by 1.7%, margin of safety 1.6%.
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 ₹496.32 (median value). With the current market price of ₹488.25, this represents a +1.7% variance from our estimated fair value.
The valuation range spans from ₹266.77 to ₹1220.62, indicating ₹266.77 - ₹1220.62.
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 1.7%.
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 | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 7.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 39.0% | 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 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 |