ScoreWhy is Jio Financial Services Ltd ?
1
Strong Long Term Fundamental Strength with a 462.61% CAGR growth in Operating Profits
2
Healthy long term growth as Net Sales has grown by an annual rate of 600.50% and Operating profit at 462.61%
3
Positive results in Sep 25
- NET SALES(Q) At Rs 981.39 cr has Grown at 75.4% (vs previous 4Q average)
- PBT LESS OI(Q) At Rs 762.06 cr has Grown at 60.9% (vs previous 4Q average)
- PBDIT(Q) Highest at Rs 688.46 cr.
4
With ROE of 1.2, it has a Very Expensive valuation with a 1.4 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -12.63%, its profits have risen by 1% ; the PEG ratio of the company is 119
5
High Institutional Holdings at 26.81%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -12.63% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months
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 Non Banking Financial Company (NBFC))
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Jio Financial for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Jio Financial
12.73%
-0.42
29.87%
Sensex
8.49%
0.44
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
106
Industry P/E
22
Price to Book Value
1.24
EV to EBIT
88.21
EV to EBITDA
87.03
EV to Capital Employed
1.23
EV to Sales
59.37
PEG Ratio
105.96
Dividend Yield
0.19%
ROCE (Latest)
1.23%
ROE (Latest)
1.19%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET SALES(Q)
At Rs 900.90 cr has Grown at 42.7% (vs previous 4Q average
-11What is not working for the Company
PBT LESS OI(Q)
At Rs 370.94 cr has Fallen at -21.2% (vs previous 4Q average
PAT(Q)
At Rs 268.98 cr has Fallen at -33.1% (vs previous 4Q average
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 3.66 cr
DEBT-EQUITY RATIO(HY)
Highest at 0.08 times
EPS(Q)
Lowest at Rs 0.42
Loading Valuation Snapshot...
Here's what is working for Jio Financial
Net Sales - Quarterly
At Rs 900.90 cr has Grown at 42.7% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 631.36 CrMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Here's what is not working for Jio Financial
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 370.94 cr has Fallen at -21.2% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 470.71 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 268.98 cr has Fallen at -33.1% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 402.11 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Lowest at Rs 0.42
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 3.66 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Debt-Equity Ratio - Half Yearly
Highest at 0.08 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
