Jana Small Finance Bank Intrinsic Value
Jana Small Finance Bank (JSFB) median intrinsic value is ₹361.90 from 9 valuation models (range ₹211–₹1318), vs current price ₹527.30 — -31.4% downside (Trading Above Calculated Value), margin of safety -45.7%. See JSFB book value comparison to compare market price against book value per share.
JSFB Valuation Methods Summary — DCF, Graham Number & P/E
Jana Small Finance Bank intrinsic value across 9 models vs current price ₹527.30 — upside/downside and value range per method. Check JSFB market capitalization to track the company's total market size over time.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹433.20 | ₹346.56 - ₹519.84 | -17.8% | EPS: ₹36.10, Sector P/E: 12x |
| Book Value Method | asset | ₹313.75 | ₹282.38 - ₹345.12 | -40.5% | Book Value/Share: ₹392.19, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹630.67 | ₹567.60 - ₹693.74 | +19.6% | Revenue/Share: ₹630.67, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹210.92 | ₹189.83 - ₹232.01 | -60.0% | EBITDA: ₹380.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹1318.25 | ₹1054.60 - ₹1581.90 | +150.0% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹231.04 | ₹207.94 - ₹254.14 | -56.2% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹310.46 | ₹279.41 - ₹341.51 | -41.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹361.90 | ₹325.71 - ₹398.09 | -31.4% | ROE: 9.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹564.41 | ₹507.97 - ₹620.85 | +7.0% | EPS: ₹36.10, BVPS: ₹392.19 |
JSFB Intrinsic Value vs Market Price — All Valuation Models
Jana Small Finance Bank fair value range ₹211–₹1318 vs current market price ₹527.30 across 9 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 ₹361.90, current price ₹527.30 — Trading Above Calculated Value by 31.4%, margin of safety -45.7%.
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 ₹527.30, this represents a -31.4% variance from our estimated fair value.
The valuation range spans from ₹210.92 to ₹1318.25, indicating ₹210.92 - ₹1318.25.
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 31.4%.
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 | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.2% | 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 | 0.17x | 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 |