Jana SF Bank Peer Comparison

NSE: JSFB | BSE: 544118

₹489.35

₹6.95 (1.44%)

As on 05-Oct-2026 10:09IST

Market cap

₹5,111 Cr

Revenue (TTM)

₹5,648 Cr

P/E Ratio

13.5

P/B Ratio

1.1

Div. Yield

0 %

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	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Market cap (₹ Cr)	5,111	12,742	7,843	2,395	2,241
Interest Income (₹ Cr)	5,648	7,338	7,106	3,381	3,807
Net Interest Income (₹ Cr)	2,811.29	4,202.39	3,635.01	1,497.01	1,898.22
NIM (%)	7.50	8.50	7.24	6.10	7.90
RoA (%)	0.88	1.72	0.90	-3.32	-0.02
Price to Earnings	13.46	14.07	15.36	--	--
Price-To-Book	1.11	1.81	1.25	0.89	1.20

Income Statement (₹ Cr)

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Interest Earned	5,648.03	7,337.51	7,105.77	3,381.44	3,806.72
Other Income	984.72	1,114.54	1,036.96	412.03	864.16
Total Income	6,632.75	8,452.05	8,142.74	3,793.47	4,670.88
Interest Expended	2,836.74	3,135.12	3,470.76	1,884.43	1,908.50
Operating Expenses	2,562.63	3,419.23	3,317.04	1,880.76	1,826.34
Operating Profit before Prov. & Cont.	1,165.66	1,710.13	1,264.97	56.35	711.97
Provisions and Contingencies	853.64	701.47	685.25	1,261.43	948.22
Profit Before Tax	326.43	911.03	128.13	-1,506.62	-228.40
Taxes	0.00	290.28	159.23	-287.74	-7.08
Profit after Tax	379.74	905.95	510.45	-945.42	-5.10
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	379.74	905.95	510.45	-945.42	-5.10

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Shareholder's Funds	4,470.21	6,815.68	6,124.83	2,775.60	1,786.53
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	35,784.49	45,668.33	46,533.09	21,653.98	25,850.16
Borrowings	5,496.76	3,736.01	5,772.55	2,829.44	2,752.74
Other Liabilities & Provisions	1,696.27	1,321.19	2,179.89	1,610.05	478.55
Total Liabilities	47,447.73	57,541.21	60,610.36	28,869.07	30,867.98

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Cash and Balance with Reserve Bank of India	2,492.17	3,109.67	5,563.29	1,692.15	1,113.71
Balances with Banks and Money at Call	66.01	334.00	103.00	629.08	60.82
Investments	9,812.00	12,724.25	10,148.83	6,914.05	6,399.11
Advances	33,827.69	39,760.55	42,751.29	18,069.59	21,594.22
Net Block	190.68	457.27	526.56	332.70	226.16
Other Assets	1,051.18	1,119.67	1,328.67	1,106.38	1,184.14
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	47,447.73	57,541.21	60,610.36	28,869.07	30,867.98

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Cash From Operating Activities	593.64	1,843.20	-3,315.83	780.69	-1,960.29
Cash Flow from Investing Activities	-4,132.66	-2,480.67	-185.42	-3,308.58	-191.67
Cash from Financing Activities	1,640.54	911.35	3,641.25	1,412.49	1,347.37
Net Cash Inflow / Outflow	-1,898.47	273.88	140.00	-1,115.39	-804.59

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Yield on Advances	15.82	17.43	15.89	18.70	16.38
Yield on Investments	5.60	7.23	8.45	6.41	7.71
Interest Spread	9.14	11.24	9.39	10.93	9.96
NIM (%)	7.50	8.50	7.24	6.10	7.90
ROE (%)	8.65	13.79	8.52	-36.58	-0.29
ROA (%)	0.88	1.72	0.90	-3.32	-0.02
Cost to Income Ratio	67.76	65.65	71.67	97.05	71.64

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Revenue Growth (%)	18.46	14.72	10.00	-8.11	3.91
EBIT Growth (%)	-1.87	1.24	-5.19	-94.40	27.80
Net Profit Growth (%)	-12.26	71.50	598.15	-167.69	99.23
EPS Growth (%)	-12.60	70.85	597.90	-103.30	99.17
Book Value Growth (%)	8.16	12.04	0.82	-42.22	-8.48

	Jana SF Bank	Ujjivan SF Bank	Equitas SF Bank	Utkarsh SF Bank	ESAF SF Bank
Price / Earnings	13.46	14.07	15.36	-2.53	-439.47
Price / Book Value	1.11	1.81	1.25	0.89	1.20
Dividend Yield (%)	0.00	0.00	0.00	0.00	0.00
EV/EBITDA	32.37	16.64	25.00	-7.57	53.13
Market Cap (₹ Cr)	3,788.22	9,816.32	5,896.04	1,818.80	1,026.13

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.