Jana SF Bank Peer Comparison

NSE: JSFB | BSE: 544118

₹383.15

₹-19.95 (-4.95%)

As on 23-Oct-2026IST

Market cap

₹4,055 Cr

Revenue (TTM)

₹5,930 Cr

P/E Ratio

8.5

P/B Ratio

0.8

Div. Yield

0 %

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	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Market cap (₹ Cr)	4,055	11,327	70,216	53,569	32,428
Interest Income (₹ Cr)	5,930	7,809	20,661	15,550	11,983
Net Interest Income (₹ Cr)	3,011.33	4,529.12	10,439.17	7,116.41	5,518.14
NIM (%)	7.50	8.40	5.80	--	4.26
RoA (%)	1.03	2.05	1.67	0.64	2.11
Price to Earnings	8.54	9.86	22.27	44.46	10.96
Price-To-Book	0.85	1.52	3.27	1.24	2.11

Income Statement (₹ Cr)

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Interest Earned	5,930.03	7,808.56	20,661.16	15,549.99	11,982.65
Other Income	966.13	1,153.77	2,914.15	4,123.71	2,001.35
Total Income	6,896.16	8,962.33	23,575.31	19,673.70	13,984.00
Interest Expended	2,918.70	3,279.44	10,222.00	8,433.58	6,464.51
Operating Expenses	2,649.39	3,586.74	7,837.31	7,013.57	3,009.59
Operating Profit before Prov. & Cont.	1,165.66	1,710.13	5,088.76	3,365.60	4,074.98
Provisions and Contingencies	852.96	569.48	1,331.46	2,683.40	571.25
Profit Before Tax	326.43	911.03	3,474.05	1,105.99	3,320.05
Taxes	0.00	377.39	1,031.37	338.19	980.34
Profit after Tax	475.11	1,149.28	3,153.17	1,204.96	2,958.31
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	475.11	1,149.28	3,153.17	1,204.96	2,958.31

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Shareholder's Funds	4,920.65	7,531.91	21,809.60	43,453.95	15,392.90
Minority Interest	0.00	0.00	0.00	0.00	0.00
Deposits	38,220.80	50,643.01	1,70,460.05	1,56,103.79	1,28,123.29
Borrowings	5,247.91	3,025.53	14,238.64	13,371.78	2,320.91
Other Liabilities & Provisions	1,725.62	1,434.84	5,295.45	9,359.15	4,993.62
Total Liabilities	47,447.73	57,541.21	1,91,797.47	1,80,746.93	1,36,603.09

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Cash and Balance with Reserve Bank of India	3,051.64	2,911.01	6,970.76	10,246.82	5,691.06
Balances with Banks and Money at Call	282.78	70.84	3,893.85	15,548.08	1,968.98
Investments	10,062.07	13,125.76	47,529.73	42,782.76	27,731.35
Advances	35,445.41	44,753.26	1,48,507.80	1,42,314.08	1,11,015.22
Net Block	190.68	457.27	881.48	601.77	454.81
Other Assets	1,026.48	1,239.99	3,358.27	10,803.77	3,911.50
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	47,447.73	57,541.21	1,91,797.47	1,80,746.93	1,36,603.09

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Cash From Operating Activities	593.64	1,843.20	1,828.87	7,612.27	-553.95
Cash Flow from Investing Activities	-4,132.66	-2,480.67	-5,090.15	-224.91	-1,745.12
Cash from Financing Activities	1,640.54	911.35	2,318.33	3,159.95	-205.01
Net Cash Inflow / Outflow	-1,898.47	273.88	-942.95	10,547.31	-2,504.08

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Yield on Advances	15.82	17.43	13.88	12.55	11.28
Yield on Investments	5.60	7.23	6.79	7.93	7.05
Interest Spread	9.14	11.24	8.16	7.43	6.09
NIM (%)	7.50	8.40	5.80	0.00	4.26
ROE (%)	10.12	16.02	15.09	4.00	20.06
ROA (%)	1.03	2.05	1.67	0.64	2.11
Cost to Income Ratio	67.76	65.65	57.91	67.91	41.98

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Revenue Growth (%)	21.12	20.77	19.61	11.37	15.43
EBIT Growth (%)	-1.87	1.24	11.09	-7.90	26.85
Net Profit Growth (%)	15.58	175.64	45.05	122.73	40.55
EPS Growth (%)	15.07	174.26	44.27	39.54	22.65
Book Value Growth (%)	10.98	18.40	18.37	6.77	0.26

	Jana SF Bank	Ujjivan SF Bank	AU Small Fin Bank	RBL Bank	Karur Vysya Bank
Price / Earnings	8.54	9.86	22.27	44.46	10.96
Price / Book Value	0.85	1.52	3.27	1.24	2.11
Dividend Yield (%)	0.00	0.00	0.11	0.29	0.78
EV/EBITDA	19.32	12.33	29.04	459.94	11.86
Market Cap (₹ Cr)	3,788.22	9,816.32	63,059.78	17,916.63	27,940.59

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