JIOFIN - Jio Financial Services Limited Share Price
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 | |
|---|---|
| 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% |
Price to Sales Ratio
Revenue (Last 12 mths)
Net Income (Last 12 mths)
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) | 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% |
Latest News and Updates from Jio Financial Services
Updated Jul 24, 2025
The Bad News
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.
The Good News
Jio Financial Services reported a 47% increase in Q1 revenue, reaching ₹612 crore.
The partnership with BlackRock, which raised ₹17,000 crore, is viewed as a game-changer for India's asset management sector.
Analysts remain optimistic about JIOFIN's potential for further price increases as institutional investment flows in.
Updates from Jio Financial Services
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Summary of Latest Earnings Report from Jio Financial Services
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.
Last updated:
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:
- AUM Surge: Jio Finance Limited (NBFC) reported Assets Under Management (AUM) of Rs.10,053 crore as of March 2025, up sharply from Rs.173 crore in FY24, driven by secured lending products and wholesale solutions.
- Digital Adoption: The JioFinance App crossed 8 million monthly active users; an enhanced version is planned for later 2025.
- Payments Bank Growth: Jio Payments Bank (JPBL) tripled its customer base to 2.31 million and deposits to Rs.295 crore. Regulatory approval is pending for SBI's stake acquisition.
- Payment Solutions: Received the Online Payment Aggregator license and expanded merchant onboarding via JioBharat phones.
Strategic Priorities:
- Product Expansion: Launched diversified offerings across lending, insurance, payments, and investments (e.g., Digital Gold, MyMoney finance tracker).
- Distribution Scalability: Leveraged group ecosystems for customer acquisition, expanded to 10 Tier-1 cities, and grew JPBL's Business Correspondent network by 6x to 14,000+ agents.
- Tech & Data Edge: Built agile, open-source tech stacks and AI-driven data intelligence for personalized offerings, risk management, and operational efficiency.
Partnerships & JVs:
- BlackRock Collaboration: Asset management (awaiting final approval), wealth management, and broking JVs aim to capitalize on India's financialization trend. Leadership and infrastructure are in place for imminent launches.
Financial Highlights:
- FY25 consolidated income grew to Rs.2,079 crore, with core business income up 101% YoY. Pre-provisioning operating profit stood at Rs.1,594 crore.
- Recommended dividend of Rs.0.50/share, reflecting shareholder value focus.
- Balance Sheet Strength: Net worth of Rs.1.23 lakh crore supports future scaling.
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.
Last updated:
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.
Share Holdings
Understand Jio Financial Services ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
Holding Pattern
Share Holding Details
| 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 | 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% |
Overall Distribution
Distribution across major stakeholders
Ownership Distribution
Distribution across major institutional holders
Is Jio Financial Services Better than it's peers?
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 | 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 | - | - |
Sector Comparison: JIOFIN vs Finance
Comprehensive comparison against sector averages
Comparative Metrics
JIOFIN metrics compared to Finance
| Category | JIOFIN | Finance |
|---|---|---|
| PE | 123.51 | 25.79 |
| PS | 86.71 | 5.19 |
| Growth | 22.7 % | 8.7 % |
Performance Comparison
JIOFIN vs Finance (2024 - 2025)
- 1. JIOFIN is among the Top 3 Non Banking Financial Company(NBFC) companies by market cap.
- 2. The company holds a market share of 0.7% in Non Banking Financial Company(NBFC).
- 3. In last one year, the company has had an above average growth that other Non Banking Financial Company(NBFC) companies.
Income Statement for Jio Financial Services
Balance Sheet for Jio Financial Services
Cash Flow for Jio Financial Services
What does Jio Financial Services Limited do?
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.