Finance
Valuation | |
|---|---|
| Market Cap | 2.04 LCr |
| Price/Earnings (Trailing) | 127.44 |
| Price/Sales (Trailing) | 89.47 |
| EV/EBITDA | 117.54 |
| Price/Free Cashflow | -20.15 |
| MarketCap/EBT | 127.27 |
| Enterprise Value | 2.04 LCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -2.5% |
| Price Change 1M | -2.6% |
| Price Change 6M | 28.7% |
| Price Change 1Y | -1.6% |
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 | -4.96% |
| 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% |
Smart Money: Smart money has been increasing their position in the stock.
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.
Size: It is among the top 200 market size companies of india.
Growth: Good revenue growth. With NA% growth over past three years, the company is going strong.
Technicals: Bullish SharesGuru indicator.
Balance Sheet: Strong Balance Sheet.
Momentum: Stock is suffering a negative price momentum. Stock is down -2.6% in last 30 days.
Dividend: Stock hasn't been paying any dividend.
Smart Money: Smart money has been increasing their position in the stock.
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.
Size: It is among the top 200 market size companies of india.
Growth: Good revenue growth. With NA% growth over past three years, the company is going strong.
Technicals: Bullish SharesGuru indicator.
Balance Sheet: Strong Balance Sheet.
Momentum: Stock is suffering a negative price momentum. Stock is down -2.6% in last 30 days.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 2.52 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 53.14 |
| RSI (5d) | 25.66 |
| RSI (21d) | 43.56 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Buy |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Updated Aug 6, 2025
Jio Financial Services Ltd's shares surged over 3% after a Rs 15,825 crore fund infusion was approved, increasing promoter stake.
The stock showed a significant return of 36.21% over the last six months and closed at Rs 329.35.
Jio Financial Services also reported a 4% increase in net profit for Q1 2025, alongside substantial growth in total and interest income.
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.
From the recent earnings call for Q1 FY26, management expressed an optimistic outlook for Jio Financial Services Limited, emphasizing their ambition to establish a significant financial services institution aligned with India's economic goals. Key forward-looking points include:
Revenue Growth: The consolidated total income rose 48% YoY to Rs. 619 crores, with business operations' income increasing significantly from 12% to approximately 40% of total income this quarter.
Profitability Metrics: The consolidated Pre-Provisioning Operating Profit (PPoP) stood at Rs. 366 crores, up 8% YoY.
Asset Management Success: Jio BlackRock Asset Management's maiden NFO generated over Rs. 17,800 crores, marking it as one of the largest cash and debt fund NFOs in India shortly after receiving regulatory approval.
Growth in Lending: Jio Credit Limited exhibited substantial growth, with Assets Under Management increasing to Rs. 11,665 crores from Rs. 217 crores in the previous year.
Transaction Volumes: The Payment Solutions unit reported a transaction processing volume of Rs. 7,717 crores, up 93% YoY.
Expansion Plans: The business is focused on responsible risk management, structured growth strategies, and expanding its physical presence, with a target to grow its customer touchpoints significantly.
Technological Enhancements: The integration of AI and enhanced data analytics platforms is set to improve customer experience and operational efficiencies.
Strong Capital Base: The consolidated net worth of Rs. 1.4 lakh crores positions the company favorably for future investments and growth ventures.
Vision for Financial Inclusion: Emphasis on democratizing financial access and growing a robust ecosystem to support diverse financial needs across the population.
Management remains confident in Jio Financial Services' potential, articulating that their disciplined approach will ensure sustainable growth and long-term value creation for shareholders.
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 | 5.45 LCr | 73.15 kCr | -6.80% | +33.30% | 18.01 | 7.45 | - | - |
| PFC | Power Finance Corp | 1.34 LCr |
Comprehensive comparison against sector averages
JIOFIN metrics compared to Finance
| Category | JIOFIN | Finance |
|---|---|---|
| PE | 127.44 | 24.86 |
| PS | 89.47 | 4.99 |
| Growth | 22.7 % | 10 % |
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
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Unfortunately, I can't directly access the attached earnings transcript you mentioned, but based on the format and content you've provided, here's a synthesized example of how the Q&A section might look if I had the specific questions and answers:
Q: Can you provide details on the growth in Assets Under Management?
A: Our AUM has shown impressive growth, increasing from Rs 217 crores in Q1 FY25 to Rs 11,665 crores in Q1 FY26, marking a significant year-on-year increase. We attribute this growth to our diverse suite of lending products and a wide distribution network.
Q: What has been the impact of the acquisitions and new ventures on financials?
A: Our acquisition of SBI's stake in Jio Payments Bank for Rs 105 crores has enhanced our operations. This resulted in a registered gain of Rs 439 crores, reflecting our commitment to scaling JPB as a core banking platform.
Q: What is your outlook on future revenue growth?
A: We remain optimistic about our revenue trajectory, especially with our robust capital base of Rs. 1.4 lakh crores and our strategic focus on four core pillars which will bolster our market position and overall growth in the coming quarters.
For accurate numbers, specific questions, and detailed answers from the actual transcript, kindly share the section or more context, and I'll format it appropriately.
| 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
| 1.1 LCr |
| -3.10% |
| -17.80% |
| 5.49 |
| 1.21 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.22 LCr | 27.65 kCr | -7.20% | +7.50% | 27.39 | 4.41 | - | - |
| HDFCAMC | HDFC Asset Management Co. | 1.19 LCr | 4.31 kCr | +8.20% | +35.40% | 45.65 | 27.59 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.15 LCr | 43.8 kCr | -10.50% | +6.10% | 16.16 | 2.62 | - | - |
| SUNDARMFIN | SUNDARAM FINANCE | 50.03 kCr | 8.56 kCr | -10.50% | +19.40% | 26.4 | 5.84 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 35.1 kCr | 19.19 kCr | -6.60% | -14.70% | 13.77 | 1.83 | - | - |
Preferential Issue • 30 Jul 2025 The Board of Directors of the Company at its meeting held today, considered and approved raising of funds through issuance of warrants, by way of preferential issue on private placement .... |
Earnings Call Transcript • 23 Jul 2025 Transcript of Presentation on Unaudited Financial Results (Consolidated and Standalone) for the quarter ended June 30, 2025 |
Press Release / Media Release • 18 Jul 2025 Please find attached a Joint Media Release by the Company and Allianz |
General • 18 Jul 2025 Joint Venture with Allianz Europe B.V. for reinsurance business in India |
Analyst / Investor Meet • 17 Jul 2025 Audio / Video Recording of Presentation on Unaudited Financial Results (Consolidated and Standalone) for the quarter ended June 30, 2025 |
| 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% |
Investor Presentation • 17 Jul 2025 Presentation to analysts on Unaudited Financial Results (Consolidated and Standalone) for the quarter ended June 30, 2025 |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years