JIO Financial Services Ltd - Stock Valuation and Financial Performance

BSE: 543940 | NSE: JIOFIN | Finance - NBFC | Large Cap

JIO Financial Serv. Share Price

372.35 2.05 0.55%
as on 12-Apr'24 16:59

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

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

JIO Financial Services stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
2,36,564.6 Cr.
52-wk low:
204.7
52-wk high:
378.7

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

1. Is JIO Financial Services Ltd 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.

2. Is JIO Financial Services Ltd 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 Overvalued zone.

3. Is JIO Financial Services Ltd a good buy now?

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

10 Year X-Ray of JIO Financial Serv.:

Analysis of Financial Track Record

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

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

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
JIO Financial Services Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)81.3281228940296-10534929514941.642
YoY Gr. Rt. %-245.7%-18.9%312.1%-68.5%-135.5%NA-15.5%-49.7%-72%-
Adj EPS (₹ ) 77.4356.4-1,489.32,098.61,196.5-1,988.51,138.3609.2831.9154.60.1
YoY Gr. Rt. %-360.3%-517.8%NA-43%-266.2%NA-46.5%36.6%-81.4%-
BVPS (₹ )5,870.36,226.77,142.39,240.910,437.48,448.99,587.210,196.411,028.387,62738.3
YoY Gr. Rt. %-6.1%14.7%29.4%13%-19.1%13.5%6.4%8.2%694.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.12.7-7.29.86.3-10.15.23.67.90.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-7.2%-32.5%-50.8%-72%
Adj EPS8%-33.6%-48.6%-81.4%
BVPS35%53%109.1%694.6%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)19.225.6-131.845.181.6382.465.841.7113.175.176.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)1.35.9-22.325.612.2-21.112.66.27.80.30.1

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 0.00%

Total Income has declined 1307.75 CAGR in last 3 years

Net Profit has declined -48.60 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - JIO Financial Services Ltd.

Standalone Consolidated
TTM EPS (₹) 0.1 0.1
TTM Sales (₹ Cr.) 41.6 41.6
BVPS (₹.) 38.3 182.4
Reserves (₹ Cr.) 18,006 1,09,505
P/BV 9.71 2.04
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 204.65 / 378.70
All Time Low / High (₹) 204.65 / 378.70
Market Cap (₹ Cr.) 2,36,565
Equity (₹ Cr.) 6,353.3
Face Value (₹) 10
Industry PE 32.5

Management X-Ray of JIO Financial Serv.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of JIO Financial Serv.

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income81281229941297-10534931118455
Interest Income81281228940296-10534929514942
Other Income 0001100163613
Expenditure 631955232788726415519376
Interest Expense 351572872677124812811100
Operating Expenses 15611131197072
Provisions 2734230135191203
Exceptional Items 0000000000
Profit Before Tax 1886-295663210-36919411817749
Taxes 3146239-3233-36-5918
Profit After Tax 1672-301424242-40223012316831
Adjusted EPS (₹)77.4356.4-1,489.32,098.61,196.5-1,988.51,138.3609.2831.9154.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%2,847%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital1,1861,2581,4431,8672,1091,7071,9372,0602,22817,701
Share Capital 2222222222
Reserves 1,1841,2561,4411,8652,1061,7051,9352,0582,22617,699
Minority Interest0000000000
Long Term Borrowings00014521545-4-54
Current Liabilities 5302,2803,3871,8341,7382,3392,82400745
Trade Payables01740010000
Short term borrowings4712,1213,0251,5601,7372,3212,42000743
Other Liabilities-471-2,122-3,099-1,560-1,737-2,322-2,420005,611
Total Liabilities 1,7163,5384,8303,8463,8674,1004,7662,0562,22324,803

Assets

Non Current Asset 8847984682951,0051,1413352,0432,22219,473
Loan Asset 0000000000
Other Non Current Asset 8847984682951,0051,1413352,0432,22219,473
Current Asset 8322,7404,3623,5512,8622,9604,4311315,330
Current Investment0000000000
Other Current Asset8322,7404,3623,5512,8622,9604,4311315,330
Total Assets 1,7163,5384,8303,8463,8674,1004,7662,0562,22324,803

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity -404-1,800-920-75173-31-3,6872,4341232,055
Cash Flow From Investing Activity -601831731,828-14-3053,649163-123-1,166
Cash Flow From Financing Activity 4621,615746-1,752-16033637-2,5970-889
Net Cash Flow -2-201-10-1000
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)77356-1,4892,0991,196-1,9891,138609832155
DPS (₹)0000000004,400
BVPS (₹)58706227714292411043784499587101961102887627

Performance Ratios

ROA (%)1.12.7-7.29.86.3-10.15.23.67.90.2
ROE (%)1.35.9-22.325.612.2-21.112.66.27.80.3
ROCE (%)3.89.7-0.223.67.8-3.17.77.18.30.4

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.00.00.0

JIO Financial Services Ltd Stock News

JIO Financial Services Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of JIO Financial Serv. on 12-Apr-2024 16:59 is ₹372.4.
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 12-Apr-2024 16:59 the market cap of JIO Financial Serv. stood at ₹2,36,564.6.
The latest P/E ratio of JIO Financial Serv. as of 12-Apr-2024 16:59 is 0.00.
The latest P/B ratio of JIO Financial Serv. as of 12-Apr-2024 16:59 is 9.71.
The 52-week high of JIO Financial Serv. is ₹378.7 and the 52-week low is ₹204.7.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JIO Financial Serv. is ₹41.63 ( 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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