Jana Small Finance Bank
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. The company offers current and savings accounts; fixed, recurring, and other deposits; and loans, such as two-wheeler, group, business, gold, home improvement, agri group a… Read more
Jana Small Finance Bank (JSFB) - Net Assets
Latest net assets as of December 2025: ₹43.25 Billion INR
Based on the latest financial reports, Jana Small Finance Bank (JSFB) has net assets worth ₹43.25 Billion INR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹433.22 Billion) and total liabilities (₹389.97 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹43.25 Billion |
| % of Total Assets | 9.98% |
| Annual Growth Rate | 20.83% |
| 5-Year Change | 269.42% |
| 10-Year Change | 235.26% |
| Growth Volatility | 51.71 |
Jana Small Finance Bank - Net Assets Trend (2013–2024)
This chart illustrates how Jana Small Finance Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Jana Small Finance Bank (2013–2024)
The table below shows the annual net assets of Jana Small Finance Bank from 2013 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-09-30 | ₹41.18 Billion | +15.13% |
| 2023-09-30 | ₹35.77 Billion | +99.03% |
| 2022-09-30 | ₹17.97 Billion | +49.68% |
| 2021-09-30 | ₹12.01 Billion | +7.70% |
| 2020-09-30 | ₹11.15 Billion | +6.83% |
| 2019-09-30 | ₹10.44 Billion | +54.90% |
| 2018-09-30 | ₹6.74 Billion | -55.94% |
| 2017-09-30 | ₹15.29 Billion | -36.21% |
| 2016-09-30 | ₹23.97 Billion | +95.10% |
| 2015-09-30 | ₹12.28 Billion | +14.45% |
| 2014-09-30 | ₹10.73 Billion | +108.83% |
| 2013-09-30 | ₹5.14 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Jana Small Finance Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 5728.2% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (September 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | ₹1.05 Billion | 2.55% |
| Other Comprehensive Income | ₹6.30 Billion | 15.30% |
| Other Components | ₹64.41 Billion | 156.41% |
| Total Equity | ₹41.18 Billion | 100.00% |
Jana Small Finance Bank Competitors by Market Cap
The table below lists competitors of Jana Small Finance Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Launch Two Acquisition Corp.
NASDAQ:LPBBU
|
$206.90 Million |
|
GSI Technology Inc
NASDAQ:GSIT
|
$207.03 Million |
|
QORIA Ltd
AU:QOR
|
$207.06 Million |
|
Advanced Ceramic X
TWO:3152
|
$207.07 Million |
|
Qingdao Choho Industrial Co Ltd
SHE:003033
|
$206.74 Million |
|
MAS Financial Services Limited
NSE:MASFIN
|
$206.73 Million |
|
XOMA CORP.PRF.SH.SER.A 25
F:X0M
|
$206.73 Million |
|
Napatech A/S
OL:NAPA
|
$206.61 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Jana Small Finance Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 35,770,988,000 to 41,183,457,000, a change of 5,412,469,000 (15.1%).
- Net income of 5,014,187,000 contributed positively to equity growth.
- New share issuances of 132,017,000 increased equity.
- Other comprehensive income increased equity by 1,525,492,000.
- Other factors decreased equity by 1,259,227,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹5.01 Billion | +12.18% |
| Share Issuances | ₹132.02 Million | +0.32% |
| Other Comprehensive Income | ₹1.53 Billion | +3.7% |
| Other Changes | ₹-1.26 Billion | -3.06% |
| Total Change | ₹- | 15.13% |
Book Value vs Market Value Analysis
This analysis compares Jana Small Finance Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.88x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-09-30 | ₹390.11 | ₹343.25 | x |
| 2014-09-30 | ₹601.04 | ₹343.25 | x |
| 2015-09-30 | ₹568.37 | ₹343.25 | x |
| 2016-09-30 | ₹878.84 | ₹343.25 | x |
| 2017-09-30 | ₹481.08 | ₹343.25 | x |
| 2018-09-30 | ₹170.68 | ₹343.25 | x |
| 2019-09-30 | ₹204.38 | ₹343.25 | x |
| 2020-09-30 | ₹206.78 | ₹343.25 | x |
| 2021-09-30 | ₹218.77 | ₹343.25 | x |
| 2022-09-30 | ₹300.00 | ₹343.25 | x |
| 2023-09-30 | ₹484.68 | ₹343.25 | x |
| 2024-09-30 | ₹391.53 | ₹343.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Jana Small Finance Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.18%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 9.34%
- • Asset Turnover: 0.14x
- • Equity Multiplier: 9.34x
- Recent ROE (12.18%) is above the historical average (-30.01%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 9.85% | 20.37% | 0.10x | 4.89x | ₹-7.69 Million |
| 2014 | 7.03% | 18.48% | 0.08x | 4.66x | ₹-319.22 Million |
| 2015 | 13.05% | 17.20% | 0.08x | 9.30x | ₹374.48 Million |
| 2016 | 7.10% | 10.66% | 0.11x | 6.28x | ₹-695.59 Million |
| 2017 | -163.77% | -155.68% | 0.16x | 6.38x | ₹-26.57 Billion |
| 2018 | -289.33% | -143.41% | 0.14x | 14.02x | ₹-20.16 Billion |
| 2019 | 2.89% | 1.33% | 0.16x | 13.55x | ₹-742.19 Million |
| 2020 | 6.48% | 2.70% | 0.14x | 17.11x | ₹-392.21 Million |
| 2021 | 1.46% | 0.58% | 0.15x | 16.81x | ₹-1.03 Billion |
| 2022 | 14.24% | 7.05% | 0.14x | 14.27x | ₹762.46 Million |
| 2023 | 18.72% | 14.84% | 0.14x | 9.14x | ₹3.12 Billion |
| 2024 | 12.18% | 9.34% | 0.14x | 9.34x | ₹895.84 Million |
Industry Comparison
This section compares Jana Small Finance Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $153,914,673,384
- Average return on equity (ROE) among peers: 1.72%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Jana Small Finance Bank (JSFB) | ₹43.25 Billion | 9.85% | 9.02x | $206.79 Million |
| AU Small Finance Bank Limited (AUBANK) | $171.66 Billion | 12.27% | 8.20x | $5.64 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $112.02 Billion | 17.42% | 4.04x | $1.95 Billion |
| Bank of Baroda (BANKBARODA) | $764.90 Billion | 1.21% | 14.69x | $6.06 Billion |
| Canara Bank (CANBK) | $351.83 Billion | 3.86% | 15.94x | $4.81 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $895.11 Million | 15.89% | 17.77x | $29.44 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $275.77 Million |
| CSB Bank Limited (CSBBANK) | $21.80 Billion | 10.02% | 9.70x | $383.55 Million |
| City Union Bank Limited (CUB) | $2.41 Billion | 19.24% | 13.52x | $1.93 Billion |
| DCB Bank Limited (DCBBANK) | $1.99 Billion | -81.69% | 22.36x | $503.70 Million |
| Dhanlaxmi Bank Limited (DHANBANK) | $1.34 Billion | 7.08% | 20.20x | $59.94 Million |