JIO Financial Services Ltd - Stock Valuation and Financial Performance

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

JIO Financial Serv. Share Price

321.35 -4.55 -1.40%
as on 07-Nov'24 00:00

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

Overall Rating
Bole Toh

1. Quality

2. Valuation

Fair

3. Price Trend

Semi Strong

JIO Financial Services stock performance -

mw4me loader
P/E Ratio (SA):
389.01
Market Cap:
2,04,162.8 Cr.
52-wk low:
213.9
52-wk high:
394.7

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 Fair zone.

3. Is JIO Financial Services Ltd 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.

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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)281228940296-10534929514941.6638791
YoY Gr. Rt. %--18.9%312.1%-68.5%-135.5%NA-15.5%-49.7%-72%1432.7%-
Adj EPS (₹ ) 356.4-1,489.32,098.61,196.5-1,988.51,138.3609.2831.9154.60.60.8
YoY Gr. Rt. %--517.8%NA-43%-266.2%NA-46.5%36.6%-81.4%-99.6%-
BVPS (₹ )6,226.77,142.39,240.910,437.48,448.99,587.210,196.411,028.387,62738.539.1
YoY Gr. Rt. %-14.7%29.4%13%-19.1%13.5%6.4%8.2%694.6%-100%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.7-7.29.86.3-10.15.23.67.90.21.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.5%NA29.3%1432.7%
Adj EPS-50.8%NA-90.1%-99.6%
BVPS-43.2%-66%-84.4%-100%
Share Price - - - 50%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
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 (%)25.6-131.845.181.6382.465.841.7113.175.159.966.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)5.9-22.325.612.2-21.112.66.27.80.31.82.1

Recent Performance Summary

Total Income has increased 29.30 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 2.10%

Net Profit has declined -90.05 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - JIO Financial Services Ltd.

Standalone Consolidated
TTM EPS (₹) 0.8 2.5
TTM Sales (₹ Cr.) 791 1,943
BVPS (₹.) 39.1 215.9
Reserves (₹ Cr.) 18,460 1,30,791
P/BV 8.23 1.49
PE 389.01 127.11
From the Market
52 Week Low / High (₹) 213.90 / 394.70
All Time Low / High (₹) 204.65 / 394.70
Market Cap (₹ Cr.) 2,04,163
Equity (₹ Cr.) 6,353.3
Face Value (₹) 10
Industry PE 29.1

Management X-Ray of JIO Financial Serv.:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.00
* 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'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income281229941297-10534931118455638
Interest Income281228940296-10534929514942638
Other Income 0011001636130
Expenditure 1955232788726415519376117
Interest Expense 157287267712481281110010
Operating Expenses 5611131197072102
Provisions 342301351912044
Exceptional Items 0000000000
Profit Before Tax 86-295663210-36919411817749521
Taxes 146239-3233-36-5918139
Profit After Tax 72-301424242-40223012316831382
Adjusted EPS (₹)356.4-1,489.32,098.61,196.5-1,988.51,138.3609.2831.9154.60.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%2,847%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital1,2581,4431,8672,1091,7071,9372,0602,22817,70124,437
Share Capital 2222222226,353
Reserves 1,2561,4411,8652,1061,7051,9352,0582,22617,69918,084
Minority Interest0000000000
Long Term Borrowings0014521545-4-5417
Current Liabilities 2,2803,3871,8341,7382,3392,8240074520
Trade Payables17400100002
Short term borrowings2,1213,0251,5601,7372,3212,420007430
Other Liabilities-2,122-3,099-1,560-1,737-2,322-2,420005,610-2
Total Liabilities 3,5384,8303,8463,8674,1004,7662,0562,22324,80324,474

Assets

Non Current Asset 7984682951,0051,1413352,0432,22219,47319,873
Loan Asset 0000000000
Other Non Current Asset 7984682951,0051,1413352,0432,22219,47319,873
Current Asset 2,7404,3623,5512,8622,9604,4311315,3304,601
Current Investment0000000000
Other Current Asset2,7404,3623,5512,8622,9604,4311315,3304,601
Total Assets 3,5384,8303,8463,8674,1004,7662,0562,22324,80324,474

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -1,800-920-75173-31-3,6872,4341232,053-283
Cash Flow From Investing Activity 1831731,828-14-3053,649163-123-1,1641,041
Cash Flow From Financing Activity 1,615746-1,752-16033637-2,5970-889-753
Net Cash Flow -201-10-10005
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)356-1,4892,0991,196-1,9891,1386098321551
DPS (₹)000000004,4000
BVPS (₹)622771429241104378449958710196110288762738

Performance Ratios

ROA (%)2.7-7.29.86.3-10.15.23.67.90.21.6
ROE (%)5.9-22.325.612.2-21.112.66.27.80.31.8
ROCE (%)9.7-0.223.67.8-3.17.77.18.30.42.2

Valuation Parameters

Price/Book(x)0.00.00.00.00.00.00.00.00.09.2

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 07-Nov-2024 00:00 is ₹321.4.
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 07-Nov-2024 00:00 the market cap of JIO Financial Serv. stood at ₹2,04,162.8.
The latest P/E ratio of JIO Financial Serv. as of 07-Nov-2024 00:00 is 389.0.
The latest P/B ratio of JIO Financial Serv. as of 07-Nov-2024 00:00 is 8.23.
The 52-week high of JIO Financial Serv. is ₹394.7 and the 52-week low is ₹213.9.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of JIO Financial Serv. is ₹791.2 ( 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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