Jio Financial Services Intrinsic Value
JIOFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹91.05 | ₹72.84 - ₹109.26 | -70.0% | EPS: ₹4.40, Sector P/E: 12x |
| Book Value Method | asset | ₹155.51 | ₹139.96 - ₹171.06 | -48.8% | Book Value/Share: ₹194.39, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹91.05 | ₹81.94 - ₹100.16 | -70.0% | Revenue/Share: ₹7.68, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹121.40 | ₹109.26 - ₹133.54 | -60.0% | EBITDA: ₹3708.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹91.05 | ₹81.94 - ₹100.16 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹91.05 | ₹81.94 - ₹100.16 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| Graham Defensive Method | conservative | ₹138.73 | ₹124.86 - ₹152.60 | -54.3% | EPS: ₹4.40, BVPS: ₹194.39 |
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Valuation Comparison Chart
JIOFIN Intrinsic Value Analysis
What is the intrinsic value of JIOFIN?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of Jio Financial Services (JIOFIN) is ₹91.05 (median value). With the current market price of ₹303.50, this represents a -70.0% variance from our estimated fair value.
The valuation range spans from ₹91.05 to ₹155.51, indicating ₹91.05 - ₹155.51.
Is JIOFIN undervalued or overvalued?
Based on our multi-method analysis, Jio Financial Services (JIOFIN) appears to be trading above calculated value by approximately 70.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.54 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.08 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 2.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.04x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Jio Financial Services
Additional stock information and data for JIOFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-10,083 Cr | ₹-10,083 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-678 Cr | ₹-678 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹2,055 Cr | ₹1,500 Cr | Positive Free Cash Flow | 8/10 |