| Key Financial Ratios of Jana Small Finance Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
47.89 |
90.85 |
47.47 |
3.44 |
14.25 |
|
| Diluted EPS (Rs.) |
47.67 |
90.72 |
42.64 |
3.21 |
13.46 |
|
| Cash EPS (Rs.) |
53.49 |
69.93 |
59.05 |
19.12 |
30.54 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
392.01 |
342.01 |
277.79 |
204.37 |
190.20 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
392.01 |
342.01 |
277.79 |
204.37 |
190.20 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
448.31 |
383.69 |
559.31 |
530.33 |
492.39 |
|
| Net Profit/Share (Rs.) |
47.73 |
64.02 |
46.56 |
3.40 |
14.24 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
1,855,637.64 |
1,840,846.47 |
1,691,052.57 |
0.00 |
0.00 |
|
| Net Profit/ Employee (Rs.) |
197,556.72 |
307,128.58 |
140,767.16 |
0.00 |
0.00 |
|
| Business/ Employee (Rs.) |
22,172,198.57 |
20,955,285.64 |
18,749,214.14 |
0.00 |
0.00 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
58,725,609.73 |
49,666,402.23 |
0.00 |
0.00 |
0.00 |
|
| Net Profit/ Branches (Rs.) |
6,252,103.49 |
8,286,389.85 |
0.00 |
0.00 |
0.00 |
|
| Business/ Branches (Rs.) |
701,686,498.75 |
565,377,756.19 |
0.00 |
0.00 |
0.00 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
3.30 |
3.80 |
4.09 |
3.04 |
2.40 |
|
| CASA (%) |
17.97 |
19.70 |
20.20 |
22.52 |
16.29 |
|
| Net Profit Margin (%) |
10.64 |
16.68 |
8.32 |
0.64 |
2.89 |
|
| Operating Profit Margin (%) |
15.82 |
23.92 |
11.20 |
1.01 |
4.86 |
|
| Return on Assets (%) |
1.30 |
2.04 |
0.99 |
0.08 |
0.37 |
|
| Return on Equity / Networth (%) |
12.17 |
18.71 |
16.76 |
1.66 |
7.48 |
|
| Net Interest Margin (X) |
6.22 |
6.50 |
6.47 |
6.88 |
6.62 |
|
| Cost to Income (%) |
61.30 |
57.35 |
56.21 |
65.99 |
70.47 |
|
| Interest Income/Total Assets (%) |
12.24 |
12.26 |
11.99 |
13.50 |
13.09 |
|
| Non-Interest Income/Total Assets (%) |
2.01 |
2.05 |
2.43 |
1.66 |
1.16 |
|
| Operating Profit/Total Assets (%) |
-0.71 |
0.00 |
-1.43 |
-1.57 |
-0.79 |
|
| Operating Expenses/Total Assets (%) |
5.05 |
4.90 |
5.00 |
5.64 |
5.48 |
|
| Interest Expenses/Total Assets (%) |
6.02 |
5.76 |
5.51 |
6.62 |
6.47 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
34,443.19 |
31,051.60 |
0.00 |
0.00 |
0.00 |
|
| EV Per Net Sales (X) |
7.31 |
7.74 |
0.00 |
0.00 |
0.00 |
|
| Price To Book Value (X) |
1.04 |
1.20 |
0.00 |
0.00 |
0.00 |
|
| Price To Sales (X) |
0.91 |
1.07 |
0.00 |
0.00 |
0.00 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.12 |
0.16 |
0.00 |
0.00 |
0.00 |
|
Source : Dion Global Solutions Limited
