ScoreWhy is Jana Small Finance Bank Ltd ?
1
The company has declared Negative results for the last 4 consecutive quarters
- PAT(Q) At Rs 74.99 cr has Fallen at -30.7% (vs previous 4Q average)
- CREDIT DEPOSIT RATIO(HY) Lowest at 91.43%
- PBDIT(Q) Lowest at Rs 31.49 cr.
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Jana Small Finan for you?
High Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Jana Small Finan
-9.49%
0.04
41.54%
Sensex
-4.3%
0.44
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
17.60%
Net Profit Growth (5y)
20.72%
Advance to Deposit
105.58%
Capital Adequacy Ratio (Tier 1)
0
Gross NPA (latest)
2.59%
Gross NPA (avg)
2.53%
Coverage Ratio (avg)
66.43%
Cost to Income (avg)
60.67%
Net Interest Margin (avg)
7.53%
Operating Profit to Assets (avg)
9.87%
ROA (avg)
1.86%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
0.91
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
7.25%
ROA (Latest)
0.73%
Net NPA to Book Value
6.89
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at Rs 674.77 cr
INTEREST EARNED(Q)
Highest at Rs 1,384.13 cr
GROSS NPA(Q)
Lowest at 2.59%
-17What is not working for the Company
PAT(Q)
At Rs 9.69 cr has Fallen at -90.6% (vs previous 4Q average
PBT LESS OI(Q)
Lowest at Rs -235.04 cr.
NON-OPERATING INCOME(Q)
is 2,525.59 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 0.92
Loading Valuation Snapshot...
Here's what is working for Jana Small Finan
Net Interest Income (Quarterly)
Highest at Rs 674.77 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 1,384.13 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.59%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Here's what is not working for Jana Small Finan
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs -235.04 cr has Fallen at -80.5% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -130.19 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 9.69 cr has Fallen at -90.6% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 102.77 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs -235.04 cr. and Fallen
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 2,525.59 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.92
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
