J

Jio Financial Services Limited

JIOFINNSE
Market snapshot · 2026-08-11 13:47 UTC

₹252.75

₹-1.25 (-0.49%)

MARKET CAP

₹1.67L Cr

STOCK P/E

78.3x

52W HIGH

₹333.70

52W LOW

₹223.30

BOOK VALUE

₹211.44

EPS

₹3.23

ROE

—

SECTOR

Financials

DEBT/EQUITY

16.29

VOLUME

60.14L

P/B RATIO

1.20x

PEG RATIO

0.47

Sector

Financials

Themes

Consumer FinanceAmbani GroupMukesh Ambani GroupMukesh Ambani Portfolio
D
Dividend
₹326.64₹302.22₹277.79₹253.37₹228.94VolumeDDAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Valuation Metrics

Trading 11.2% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -0.64). Confidence: 84%.

Live forward EPS implies next-12-month EPS of ₹4.46. Applying the stock's normalized valuation corridor produces a fair range of ₹336.82 to ₹454.92, with base value near ₹401.22 (+58.0% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹4.46

Forward P/E

57.0x

Base Fair Value

₹401.22

Fair Range

₹336.82 - ₹454.92

Upside To Base

+58.0%

Estimate Source

Live forward EPS

Growth Estimate

+170.2%

P/B
Strongly Undervalued

5Y Average

1.44

Current

1.20

Overvalued

1.65

Undervalued

1.22

P/E
Strongly Undervalued

5Y Average

88.92

Current

79.87

Overvalued

102.00

Undervalued

75.52

P/S
Strongly Undervalued

5Y Average

49.70

Current

44.64

Overvalued

56.62

Undervalued

42.21

Peers & Comparison

Sector: Financials · Theme: Consumer Finance

Consumer Finance Peers8 peers
Avg P/E: 26.9x
CompanyRev. GrowthMarginP/Evs Avg52W Perf.
MUTHOOT FINANCE LIMITED
MUTHOOTFINConsumer Finance
+35.3%55.5%
10.3x
Undervalued
-62% vs avg
+14.7%
TATA CAPITAL LIMITED
TATACAPConsumer Finance
+40.3%39.7%
28.8x
Fair
+7% vs avg
+11.3%
POONAWALLA FINCORP LTD
POONAWALLAConsumer Finance
+100.3%22.7%
51.3x
Premium
+91% vs avg
+6.7%
SHRIRAM FINANCE LIMITED
SHRIRAMFINConsumer Finance
+39.1%50.1%
19.5x
Undervalued
-28% vs avg
+85.9%
SUNDARAM FINANCE LTD
SUNDARMFINConsumer Finance
+26.8%46.1%
22.3x
Undervalued
-17% vs avg
+1.3%
HDB FINANCIAL SERVICES L
HDBFSConsumer Finance
+21.0%29.8%
20.7x
Undervalued
-23% vs avg
-10.4%
BAJAJ FINANCE LIMITED
BAJFINANCEConsumer Finance
+26.1%43.5%
33.6x
Premium
+25% vs avg
+29.2%
CHOLAMANDALAM IN & FIN CO
CHOLAFINConsumer Finance
+34.6%40.5%
28.3x
Fair
+5% vs avg
+32.3%
WHY THESE PEERS

JIO FIN SERVICES LTD trades at a premium (79.5x vs peer avg 26.9x), implying higher growth or quality expectations from the Consumer Finance cohort. Peers include MUTHOOT FINANCE LIMITED, TATA CAPITAL LIMITED, POONAWALLA FINCORP LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹219 CrJun 2026

Latest net profit

₹105 CrJun 2026

Latest EPS

₹0.16Jun 2026

Net margin

67.0%Jun 2026

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.0%25.0%50.0%75.0%100.0%0.00 Cr150 Cr300 Cr450 Cr600 Cr
  • Revenue
  • Net income
  • Net margin %

Earnings

Revenue is shown in crores. EPS is rupees per share.

Rs crore + Rs/share
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr150 Cr300 Cr450 Cr600 Cr₹0₹0₹0₹1₹1
  • Revenue
  • EPS

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
RevenueExpensesDepreciationOtheradjustmentsOperatingprofitOther incomeInterestOtheradjustmentsProfitbefore taxTax & otherNet Profit0.00 Cr55 Cr110 Cr165 Cr220 Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Annual view
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-10.00K Cr0.00 Cr10.00K Cr20.00K Cr30.00K Cr
  • Debt
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales +215149134141134383137152134520159135219
Expenses +6223333335144453562444073
Operating Profit209127101107101332931069945911594146
OPM %97%85%75%76%75%87%68%70%74%88%72%70%67%
Other Income +0000001023020000
Interest10000000000000
Depreciation3333333333332
Profit before tax19612498104983291011269647511291144
Tax %26%28%28%25%27%7%25%23%26%4%35%12%27%
Net Profit +145897078723057597714567380105
EPS in Rs0.140.110.120.110.480.120.150.110.720.120.130.16
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderJun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters +47.12%47.12%47.12%47.12%49.13%
FIIs +12.30%11.85%11.55%12.31%11.27%
DIIs +14.68%14.78%15.36%14.26%13.27%
Government +0.18%0.18%0.18%0.18%0.18%
Public +25.70%26.07%25.77%26.11%26.15%
Others0.02%—0.02%0.02%—
Jun 2026
Promoters +
FIIs +
DIIs +
Government +
Public +

Events Timeline

Newspaper Clippings - 'Third Annual General Meeting (Post Listing) And Information On E-Voting' And Other Related Information

Aug 04, 2026PDFCompany Reports Open

Business Responsibility and Sustainability Reporting (BRSR)

Aug 03, 2026PDFCompany Reports Open

Reg. 34 (1) Annual Report.

Aug 03, 2026PDFCompany Reports Open

Annual Report FY26

Aug 03, 2026PDFCompany Reports Open

Newspaper Clippings - ''Annual General Meeting'' Of The Members Of The Company, ''Record Date For Dividend'' And Other Related Information

Aug 01, 2026PDFCompany Reports Open