Is JIO Financial Services Ltd (JIOFIN) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that JIO Financial Services Ltd is a average quality company .

Is JIO Financial Services Ltd (JIOFIN) undervalued or overvalued?

The key valuation ratios of JIO Financial Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone .

What is JIO Financial Services Ltd (JIOFIN) share price return in the past 10 years?

Data is not available for this company

Is JIO Financial Services Ltd (JIOFIN) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of JIO Financial Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of JIO Financial Services Ltd (JIOFIN)?

Company share prices are keep on changing according to the market conditions. The current trading price of JIO Financial Services Ltd (JIOFIN) on 10-Apr-2026 16:59:59 at 16:59 is 243.25.

What is the P/E ratio of JIO Financial Services?

The latest standalone P/E ratio of JIO Financial Services as of 10-Apr-2026 is 221.36.

What is the P/B ratio of JIO Financial Services Ltd (JIOFIN)?

The latest standalone P/B ratio of JIO Financial Services Ltd (JIOFIN) as of 10-Apr-2026 is 5.29.

What is the 52-week high and low of JIO Financial Services Ltd (JIOFIN)?

The 52-week high of JIO Financial Services Ltd (JIOFIN) is Rs. 338.45 and the 52-week low is Rs. 223.30.

JIO Financial Services Ltd (JIOFIN) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: JIO Financial Services Ltd (JIOFIN)
Brand: JIO Financial Services

JIO Financial Services Ltd (JIOFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

JIO Financial Services Ltd (JIOFIN)

BSE: 543940 NSE: JIOFIN

Key Metrics

Market Cap

₹1,54,540 Cr.

Earnings Per Share (TTM)

₹1.10

P/E Ratio

221.36

Price to Book (P/B)

5.29

EV/EBITDA

188.00

Current Price

₹243.3

Return on Capital Employed (ROCE)

2.64%

Return on Equity (ROE)

2.22%

Return on Assets (ROA)

2.20%

Gross NPA(%)

0.00

Book Value per Share

₹46

Net NPA(%)

0.00

Dividend Yield

0.22%

Net Interest Income Growth (1 Year)

28.32%

Net Interest Income Growth (3 Years)

75.66%

52-Week Low / High

₹223 / 338

Book Value Growth (1 Year)

2.26%

Book Value Growth (3 Years)

-84.72%

DeciZen - make an informed investing decision on JIO Financial Serv.

Based on:

Data

Overall Rating ⓘ
Login to view analysis.

1. Quality

2. Valuation

3. Price Trend

JIO Financial Services stock performance

Key Ratios

Is JIO Financial Services Ltd an attractive stock to invest in?

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	228	943	296	-105	349	283	149	41.6	638	806	965
YoY Gr. Rt. %	-	313.2%	-68.6%	-135.5%	NA	-19%	-47.5%	-72%	1432.7%	26.3%	-
Adj EPS (₹ )	-1,489.3	2,098.6	1,196.5	-1,988.5	1,138.3	609.2	831.9	154.6	0.6	0.9	1.1
YoY Gr. Rt. %	-	NA	-43%	-266.2%	NA	-46.5%	36.6%	-81.4%	-99.6%	43.3%	-
BVPS (₹ )	7,142.3	9,240.9	10,437.4	8,448.9	9,587.2	10,196.4	11,028.3	87,627	38.5	39.3	46
YoY Gr. Rt. %	-	29.4%	13%	-19.1%	13.5%	6.4%	8.2%	694.6%	-100%	2.3%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	-7.2	9.8	6.3	-10.1	5.2	3.6	7.9	0.2	1.6	2.2	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	15.1%	18.2%	75.7%	26.3%
Adj EPS	NA	-76.3%	-89.9%	43.3%
BVPS	-43.9%	-66.7%	-84.7%	2.3%
Share Price	-	-	-	5.7%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	-131.8	45	81.6	382.4	65.8	43.5	113.1	75.1	59.9	68.1	72.4
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	-22.3	25.6	12.2	-21.1	12.6	6.2	7.8	0.3	1.8	2.2	2.4

Recent Performance Summary

Latest Financials

	Standalone	Consolidated
TTM EPS (₹)	1.1	2.5
TTM Sales (₹ Cr.)	965	2,988
BVPS (₹) ⓘ	46	212.5
Reserves (₹ Cr.) ⓘ	22,872	1,28,619
P/BV ⓘ	5.29	1.15
PE ⓘ	221.36	96.30

From the Market
52 Week Low / High (₹)	223.30 / 338.45
All Time Low / High (₹)	198.60 / 394.70
Market Cap (₹ Cr.)	1,54,540
Equity (₹ Cr.)	6,353.1
Face Value (₹)	10
Industry PE ⓘ	29.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of JIO Financial Serv. - Standalone Basis

YTD 1Y 3Y 5Y 10Y Max

Analyst's Notes

No data found!

Key Ratios

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	229	944	297	-105	349	299	184	55	638	839
Interest Income	228	943	296	-105	349	283	149	42	638	806
Other Income ⓘ	228	1	3	5	19	0	0	4	4	15
Exceptional Items ⓘ	0	1	1	0	0	16	36	13	0	34
Expenditure ⓘ +	523	280	87	264	155	181	7	6	117	186
Interest Expense ⓘ	289	269	71	248	128	111	0	0	10	0
Operating Expenses ⓘ	6	11	13	11	9	70	7	2	103	171
Provisions	228	1	3	5	19	0	0	4	4	15
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	-295	663	210	-369	194	118	177	49	521	653
Taxes ⓘ	6	239	-32	33	-36	-5	9	18	139	104
Profit After Tax	-301	424	242	-402	230	123	168	31	382	549
Adjusted EPS (₹)	-1,489.3	2,098.6	1,196.5	-1,988.5	1,138.3	609.2	831.9	154.6	0.6	0.9
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	2,847%	0%	58%

Balance Sheet

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	1,443	1,867	2,109	1,707	1,937	2,060	2,228	17,701	24,437	24,985
Share Capital ⓘ	2	2	2	2	2	2	2	2	6,353	6,353
Reserves ⓘ	1,441	1,865	2,106	1,705	1,935	2,058	2,226	17,699	18,084	18,632
Short term borrowings	3,025	1,560	1,737	2,321	2,420	0	0	743	0	0
Long Term Borrowings	0	145	21	54	5	-4	-5	4	144	248
Current Liabilities	3,387	1,834	1,738	2,339	2,842	0	0	745	19	32
Trade Payables	74	0	0	1	0	0	0	0	2	6
Other Liabilities	-3,099	-1,560	-1,737	-2,322	-2,420	0	-0	5,610	-2	-6
Total Liabilities ⓘ	4,830	3,846	3,867	4,100	4,783	2,056	2,223	24,803	24,599	25,266
Assets
Non Current Asset +	468	295	3,743	3,902	4,632	2,009	2,182	13,232	19,987	24,590
Loan Asset	10	7	25	0	4,400	1,951	2,001	0	92	1,748
Other Non Current Asset ⓘ	458	288	3,718	3,902	232	57	181	13,232	19,896	22,842
Current Asset +	4,362	3,551	124	198	151	48	41	11,571	4,612	675
Current Investment	0	0	0	0	0	0	0	6,218	15	96
Other Current Asset	4,362	3,551	124	198	151	48	41	5,354	4,597	579
Total Assets ⓘ	4,830	3,846	3,867	4,100	4,783	2,056	2,223	24,803	24,599	25,266

Cash Flow

(All Figures are in Crores.)

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-920	1,381	173	-70	-3,995	2,125	123	2,053	-283	-1,772
Cash Flow From Investing Activity ⓘ	173	372	-14	-266	3,957	472	-123	-1,164	1,041	1,776
Cash Flow From Financing Activity ⓘ	746	-1,752	-160	336	37	-2,597	0	-889	-753	0
Net Cash Flow ⓘ	-0	1	-1	0	-1	-0	0	-0	5	4

Finance Ratio

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	-1,489	2,099	1,196	-1,989	1,138	609	832	155	1	1
DPS (₹)	0	0	0	0	0	0	0	4,400	0	1
BVPS (₹)	7142	9241	10437	8449	9587	10196	11028	87627	38	39
Performance Ratios
ROA (%)	-7.2	9.8	6.3	-10.1	5.2	3.6	7.9	0.2	1.6	2.2
ROE (%)	-22.3	25.6	12.2	-21.1	12.6	6.2	7.8	0.3	1.8	2.2
ROCE (%)	-0.1	23.6	7.8	-3.1	7.7	7.1	8.3	0.4	2.2	2.6
Valuation Parameters
Price/Book(x)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	9.2	5.8

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Announcements

JIO Financial Services Ltd FAQs

The current trading price of JIO Financial Serv. on 10-Apr-2026 16:59 is ₹243.2.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 09-Apr-2026 the market cap of JIO Financial Serv. stood at ₹1,54,540.2 Cr

The latest P/E ratio of JIO Financial Serv. as of 09-Apr-2026 is 221.4.

The latest P/B ratio of JIO Financial Serv. as of 09-Apr-2026 is 5.29.

The 52-week high of JIO Financial Serv. is ₹338.4 and the 52-week low is ₹223.3.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JIO Financial Serv. is ₹965 ( Cr.) .

About JIO Financial Services Ltd

Jio Financial Services (JFSL) was originally incorporated as Reliance Strategic Investments Private Limited on July 22, 1999 under the Companies Act 1956. Subsequently, the name of the company was changed to Reliance Strategic Investments Limited and a fresh certificate of incorporation was issued on January 14, 2002. The name of the Company was further changed to “Jio Financial Services Limited” and a fresh certificate of incorporation was issued on July 25, 2023. The company is a systemically important non-deposit taking Non-Banking Financial Company registered with the Reserve Bank of India.

It cares about a financially secure and prosperous future for all Indians. Its vision is to digitally deliver range of financial products to promote the financial well-being of the people of India.

Business area of the company

The company operates its financial services business through its consumer facing subsidiaries namely Jio Finance (JFL), Jio Insurance Broking (JIBL) and Jio Payment Solutions (JPSL) and joint venture namely Jio Payments Bank (JPBL).

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

JIO Financial Services Ltd (JIOFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

JIO Financial Serv. Share Price