Jana Small Finance Bank Limited Q1 FY26 earnings call summary

Earnings call of 22 Jul 2025, summarised by AI from the filing.

₹102 cr in Q1 FY26; adding back accelerated provision it would be ₹250 cr.

Key takeaways

1. PAT ₹102 cr in Q1 FY26; adding back accelerated provision it would be ₹250 cr.
2. Change Unsecured book dropped 2.5% in Q1; expected flat to slight increase in Q2.
3. Driver Secured assets growing 35%-40% this year, with Affordable Housing and two-wheeler doing well.
4. Risk MFI stress continued longer than expected, with fresh flows to NPA in Q1.

Original filing on BSE

Jana Small Finance Bank Limited Q1 FY27 results

As filed: Revenue ₹1,515 cr, EBITDA −₹71.7 cr, PAT ₹155 cr, EBITDA margin -4.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹1,445 cr, EBITDA −₹126 cr, PAT ₹140 cr, EBITDA margin -8.7%. Not scored. Bank result format: not scored yet. Share price after the results: +6.2% in 30 days (Nifty 500: −0.9%).
• Q3 FY26: Revenue ₹1,384 cr, EBITDA −₹235 cr, PAT ₹9.7 cr, EBITDA margin -17.0%. Not scored. Bank result format: not scored yet. Share price after the results: −0.5% in 28 days (Nifty 500: −4.1%).
• Q2 FY26: Revenue ₹1,305 cr, EBITDA −₹172 cr, PAT ₹75.0 cr, EBITDA margin -13.2%. Not scored. Bank result format: not scored yet. Share price after the results: +3.1% in 28 days (Nifty 500: +1.0%).
• Q1 FY26: Revenue ₹1,250 cr, EBITDA −₹164 cr, PAT ₹102 cr, EBITDA margin -13.1%. Not scored. Bank result format: not scored yet. Share price after the results: −1.3% in 30 days (Nifty 500: −0.8%).
• Q4 FY25: Revenue ₹1,199 cr, EBITDA −₹114 cr, PAT ₹123 cr, EBITDA margin -9.5%. Not scored. Bank result format: not scored yet. Share price after the results: −7.5% in 30 days (Nifty 500: +3.4%).
• Q3 FY25: Revenue ₹1,177 cr, EBITDA −₹72.4 cr, PAT ₹111 cr, EBITDA margin -6.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹1,166 cr, EBITDA −₹87.6 cr, PAT ₹97.0 cr, EBITDA margin -7.5%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Jana Small Finance Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (15 Jul 2026), Results deck (15 Jul 2026)
• Q4 FY26: Results deck (29 Apr 2026)
• Q3 FY26: Earnings call (6 Feb 2026), Results deck (6 Feb 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025)
• Q1 FY26: Earnings call (22 Jul 2025), Results deck (22 Jul 2025)
• Q4 FY25: Earnings call (29 Apr 2025), Results deck (29 Apr 2025)