profit from every ₹100 of sales.
₹0₹100
Jana Small Finance Bank
₹415.95-0.32% today
-3.5% in 1 year
1-year low ₹341.851-year high ₹584.85
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹13.49 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Jana Small Finance Bank sold, what it kept, and what it did with the cash.
Sales went from ₹22.2 billion in 2023 to ₹36.2 billion in 2026, with ₹3.26 billion of profit last year.
SalesProfit
Jana Small Finance Bank vs. similar companies
Jana Small Finance Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Jana Small Finance Bank | 13.5× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Jana Small Finance Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 22,152 | 26,249 | 31,305 | 36,150 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 2,560 | 6,695 | 5,014 | 3,264 | |
| 24.47 | 90.72 | 47.67 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 11.6% | 25.5% | 16.0% | 9.0% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 256,437 | 327,098 | 384,636 | 474,477 |
| Cash | 20,891 | 20,280 | 44,486 | 25,582 |
| Total debt | 54,775 | 44,115 | 33,768 | 54,968 |
| Total liabilities | 238,464 | 291,327 | 343,453 | 429,775 |
| 17,973 | 35,771 | 41,183 | 44,702 | |
| 105 | 74 | 105 | – | |
| – | – | – | – | |
| 14.2% | 18.7% | 12.2% | 7.3% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -11,372 | 7,078 | 40,733 | 5,936 | |
| 260 | 769 | 734 | 1,222 | |
| -11,632 | 6,309 | 39,999 | 4,715 | |
| Dividends paid | – | – | – | – |
| – | 2,700 | 0 | – | |
| 46 | 108 | 242 | 148 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 13.5×
- –
- –
- 1.1×
- 1.2×
- 7.4%
- –
Profitability
- 9.0%
- –
- –
- –
- –
Growth
- +17.7%
- –
- –
- +0.2%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 49%of 883
Top 30%of 880
Top 21%of 927
News
Cooper needs urgent overhaul and new CEO, activist Jana Partners says - WSJSeeking Alpha · Sep 18, 2026The newest story we have is from Sep 18, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Jana Small Finance Bank
Is Jana Small Finance Bank a good stock to buy?
A solid business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Jana Small Finance Bank AI analysis
What does Jana Small Finance Bank do?
Jana Small Finance Bank Limited provides banking and financial services to individuals and enterprises in India. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It is in Banks - Regional, based in Bengaluru, India.
Is Jana Small Finance Bank stock halal?
No. Jana Small Finance Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Jana Small Finance Bank stock done over the past year?
Down 3.5% over the past twelve months, to ₹415.95. It traded between ₹341.85 and ₹584.85 and is 28.9% below its high.
Who are Jana Small Finance Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Jana Small Finance Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.