Finance
Valuation | |
|---|---|
| Market Cap | 1.98 LCr |
| Price/Earnings (Trailing) | 123.51 |
| Price/Sales (Trailing) | 86.71 |
| EV/EBITDA | 113.91 |
| Price/Free Cashflow | -19.53 |
| MarketCap/EBT | 123.35 |
| Enterprise Value | 1.97 LCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -1.8% |
| Price Change 1M | 2.6% |
| Price Change 6M | 27.3% |
| Price Change 1Y | -5.4% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | 6.41 kCr |
| Cash Flow from Operations (TTM) | -10.08 kCr |
| Cash Flow from Financing (TTM) |
| Revenue (TTM) |
| 2.28 kCr |
| Rev. Growth (Yr) | 48.3% |
| Earnings (TTM) | 1.62 kCr |
| Earnings Growth (Yr) | 3.8% |
Profitability | |
|---|---|
| Operating Margin | 69% |
| EBT Margin | 70% |
| Return on Equity | 1.32% |
| Return on Assets | 1.22% |
| Free Cashflow Yield | -5.12% |
| 3.96 kCr |
| Cash & Equivalents | 352.32 Cr |
| Free Cash Flow (TTM) | -10.13 kCr |
| Free Cash Flow/Share (TTM) | -15.94 |
Balance Sheet | |
|---|---|
| Total Assets | 1.34 LCr |
| Total Liabilities | 10.01 kCr |
| Shareholder Equity | 1.23 LCr |
| Net PPE | 32.63 Cr |
| Inventory | 0.00 |
| Goodwill | 100.48 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | 14.06 |
| Interest/Cashflow Ops | -93.72 |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 0.00% |
Risk & Volatility | |
|---|---|
| Max Drawdown | -14.8% |
| Drawdown Prob. (30d, 5Y) | 0.00% |
| Risk Level (5Y) | 23.4% |
Technicals: Bullish SharesGuru indicator.
Profitability: Very strong Profitability. One year profit margin are 71%.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With NA% growth over past three years, the company is going strong.
Size: It is among the top 200 market size companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Stock hasn't been paying any dividend.
Momentum: Stock has a weak negative price momentum.
Technicals: Bullish SharesGuru indicator.
Profitability: Very strong Profitability. One year profit margin are 71%.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Balance Sheet: Strong Balance Sheet.
Growth: Good revenue growth. With NA% growth over past three years, the company is going strong.
Size: It is among the top 200 market size companies of india.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Stock hasn't been paying any dividend.
Momentum: Stock has a weak negative price momentum.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 2.52 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 29.16 |
| RSI (5d) | 34.18 |
| RSI (21d) | 49.04 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Buy |
| SharesGuru Signal | Buy |
| RSI Signal | Buy |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Updated Jul 24, 2025
Despite a surge to ₹330 post-announcement, the stock settled around ₹316, indicating some pullback.
The recent market behavior suggests volatility, which could affect short-term investor sentiment.
While the financial performance was strong, concerns about sustained growth and market competition remain.
Summary of Jio Financial Services's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
The management of Jio Financial Services (JFSL) outlined a highly optimistic outlook, emphasizing aggressive growth, digital innovation, and strategic expansion across its financial services portfolio. Key highlights include:
Growth Trajectory & Business Performance:
Strategic Priorities:
Partnerships & JVs:
Financial Highlights:
Outlook: Focus remains on disciplined execution, digital-first customer experiences, and cross-selling synergies across lending, insurance, payments, and investments. Management aims to establish JFSL as a market leader with sustainable profitability and robust governance.
Understand Jio Financial Services ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Srichakra Commercials LLP | 11.64% |
| Devarshi Commercials LLP | 8.59% |
| Karuna Commercials LLP | 8.59% |
| Tattvam Enterprises LLP | 8.59% |
| Reliance Industries Holding Private Ltd | 3.01% |
| Quant Mutual Funds | 2.6% |
| Jamnagar Utilities and Power Private Limited |
Detailed comparison of Jio Financial Services against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 5.68 LCr | 73.15 kCr | -1.50% | +37.40% | 18.76 | 7.76 | - | - |
| PFC | Power Finance Corp | 1.37 LCr |
Comprehensive comparison against sector averages
JIOFIN metrics compared to Finance
| Category | JIOFIN | Finance |
|---|---|---|
| PE | 123.51 | 25.79 |
| PS | 86.71 | 5.19 |
| Growth | 22.7 % | 8.7 % |
Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India. The company operates JioFinance App, a platform that provides digital banking, unified payments interface (UPI) transactions, bill payments, and insurance advisory; and provides asset management services, as well as operating lease solutions to consumers and businesses through a Device-as-a-Service model. It is also involved in consumer lending, and corporate and MSME lending activities; provision of digital banking services, including savings account, debit cards, current accounts, wallet, and online and offline payment solutions; and distribution of life, non-life, and health insurance products. The company was formerly known as Reliance Strategic Investments Limited and changed its name to Jio Financial Services Limited in July 2023. Jio Financial Services Limited was incorporated in 1999 and is based in Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
JIOFIN vs Finance (2024 - 2025)
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Jio Financial Services reported a 47% increase in Q1 revenue, reaching ₹612 crore.
Earnings Call Transcript • 23 Jul 2025 Transcript of Presentation on Unaudited Financial Results (Consolidated and Standalone) for the quarter ended June 30, 2025 |
General • 18 Jul 2025 Joint Venture with Allianz Europe B.V. for reinsurance business in India |
Press Release / Media Release • 18 Jul 2025 Please find attached a Joint Media Release by the Company and Allianz |
Press Release / Media Release • 17 Jul 2025 Media Release - Consolidated and Standalone Unaudited Financial Results for the quarter ended June 30, 2025 |
Investor Presentation • 17 Jul 2025 Presentation to analysts on Unaudited Financial Results (Consolidated and Standalone) for the quarter ended June 30, 2025 |
• 17 Jul 2025 |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Question: What were the financial results for the quarter and year ended March 31, 2025?
Answer: JFSL reported consolidated total income of Rs.2,079 crore for FY25, up from Rs.1,855 crore in FY24. Q4 FY25 income was Rs.518 crore. Profit after tax stood at Rs.1,613 crore for FY25 (vs. Rs.1,605 crore in FY24) and Rs.316 crore for Q4. Key income drivers included interest income (Rs.853 crore), dividend income (Rs.241 crore), fees/commissions (Rs.155 crore), and fair value gains (Rs.794 crore). Standalone PAT for FY25 was Rs.549 crore, up 43% YoY.
Question: How did Jio Finance Limited (JFL) perform in FY25?
Answer: JFL's Assets Under Management (AUM) surged to Rs.10,053 crore as of March 2025, up 139% sequentially. Retail and wholesale lending products drove growth, focusing on secured loans for prime customers and high-rated corporates. JFL raised Rs.1,000 crore via debt at competitive rates and expanded distribution via digital campaigns, physical presence in 10 cities, and partnerships.
Question: What progress was made in digital initiatives like the JioFinance App?
Answer: The JioFinance App, integrated with MyJio, crossed 8 million monthly active users by March 2025. It offers payments, banking, loans, insurance, and investment tools. An enhanced version is under development. The app's "MyMoney" feature aids personal finance management.
Question: How did subsidiaries like Jio Payments Bank (JPBL) and Jio Payment Solutions (JPSL) perform?
Answer: JPBL's customer base tripled YoY to 2.31 million, with deposits at Rs.295 crore. JFSL plans to acquire SBI's remaining stake in JPBL, pending approvals. JPSL received an Online Payment Aggregator license and expanded merchant onboarding via JioBharat phones and enterprise partnerships.
Question: What are JFSL's strategic priorities and outlook?
Answer: Priorities include scaling lending, payments, and insurance businesses, launching BlackRock JVs (awaiting regulatory approvals), and enhancing tech/data infrastructure. Focus areas: cross-selling via customer data platforms, cost-efficient operations, and maintaining robust governance. A dividend of Rs.0.50/share was recommended.
| 2.02% |
| Samarjit Enterprises LLP | 1.96% |
| Sikka Ports & Terminals Limited | 1.08% |
| SBI Mutual Funds | 1.07% |
| JFSL Trust - PHYS (RIL) | 0.6% |
| K D Ambani | 0.25% |
| Shreeji Comtrade LLP | 0.23% |
| Shrikrishna Tradecom LLP | 0.23% |
| Svar Enterprises LLP | 0.21% |
| Mukesh D Ambani | 0.13% |
| Nita M Ambani | 0.13% |
| Isha M Ambani | 0.13% |
| Akash M Ambani | 0.13% |
| Anant M Ambani | 0.13% |
Distribution across major stakeholders
Distribution across major institutional holders
| 1.07 LCr |
| +0.50% |
| -20.90% |
| 5.96 |
| 1.29 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.26 LCr | 26.15 kCr | -6.50% | +10.30% | 29.65 | 4.84 | - | - |
| HDFCAMC | HDFC Asset Management Co. | 1.19 LCr | 4.31 kCr | +9.00% | +36.80% | 45.57 | 27.54 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.16 LCr | 43.8 kCr | -8.80% | +14.90% | 16.33 | 2.64 | - | - |
| SUNDARMFIN | SUNDARAM FINANCE | 55.65 kCr | 8.56 kCr | +1.60% | +12.10% | 29.37 | 6.5 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 35.22 kCr | 19.19 kCr | -4.90% | -12.60% | 13.81 | 1.84 | - | - |
| 5.76 |
| 5.76 |
| 5.61 |
| 5.39 |
| 5.36 |
| Impairment on financial instruments | -74% | 6.97 | 24 | 12 | 3.76 | 0.34 | 1.8 |
| Other expenses | 10.5% | 85 | 77 | 59 | 69 | 35 | 57 |
| Profit Before exceptional items and Tax | 2.6% | 359 | 350 | 318 | 548 | 338 | 315 |
| Exceptional items before tax | - | 29 | 0 | 0 | 0 | 0 | 0 |
| Total profit before tax | 10.9% | 388 | 350 | 318 | 548 | 338 | 315 |
| Current tax | 2.9% | 72 | 70 | 80 | 54 | 66 | 91 |
| Deferred tax | 142.8% | 22 | 9.65 | 2.64 | 30 | 22 | -9.08 |
| Tax expense | 17.7% | 94 | 80 | 82 | 84 | 88 | 82 |
| Total profit (loss) for period | 2.9% | 325 | 316 | 295 | 689 | 313 | 311 |
| Other comp. income net of taxes | 285.4% | 16,252 | 4,218 | -18,476.58 | -8,837.22 | 5,832 | 13,913 |
| Total Comprehensive Income | 265.7% | 16,576 | 4,534 | -18,181.8 | -8,148.15 | 6,145 | 14,223 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | 132,794 |
| Earnings Per Share, Basic | -6% | 0.47 | 0.5 | 0.46 | 1.09 | 0.49 | 0.49 |
| Earnings Per Share, Diluted | 2% | 0.51 | 0.5 | 0.46 | 1.09 | 0.49 | 0.49 |
| 10 |
| Depreciation and Amortization | 0% | 12 | 12 |
| Impairment on financial instruments | - | 6.65 | 0 |
| Other expenses | 60.8% | 83 | 52 |
| Profit Before exceptional items and Tax | 25.4% | 653 | 521 |
| Total profit before tax | 25.4% | 653 | 521 |
| Current tax | -64.5% | 45 | 125 |
| Deferred tax | 391.7% | 60 | 13 |
| Tax expense | -25.4% | 104 | 139 |
| Total profit (loss) for period | 43.8% | 549 | 382 |
| Other comp. income net of taxes | -38.5% | -0.26 | 0.09 |
| Total Comprehensive Income | 43.5% | 549 | 383 |
| Reserve excluding revaluation reserves | 3% | 18,632 | 18,084 |
| Earnings Per Share, Basic | 65% | 0.86 | 0.6 |
| Earnings Per Share, Diluted | 65% | 0.86 | 0.6 |
| Total assets |
| 0.8% |
| 25,096 |
| 24,899 |
| 24,474 |
| 24,350 |
| Equity share capital | 0% | 6,353 | 6,353 | 6,353 | 6,353 |
| Total equity | 0.7% | 24,985 | 24,813 | 24,437 | 24,288 |
| Total financial liabilities | 15.8% | 8.71 | 7.66 | - | - |
| Current tax liabilities | - | - | 0 | - | 29 |
| Provisions | -6.7% | 15 | 16 | 13 | 5.66 |
| Total non financial liabilities | 29.9% | 101 | 78 | - | - |
| Total liabilities | - | 110 | - | 37 | 61 |
| Total equity and liabilities | 0.8% | 25,096 | 24,899 | 24,474 | 24,350 |
| -111.1% |
| Net Cashflows From Financing Activities | 99.9% |
| Net change in cash and cash eq. | -29.1% |