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Jana Small Finance Bank Limited Q4 FY25 results deck summary

NSE: JSFB · BSE: 544118

Results deck of 29 Apr 2025, summarised by AI from the filing.

PAT at ₹501 cr post accelerated provisioning of ₹305 cr; FY27 targets AUM growth ~20% and PAT growth ~30%

Key takeaways

  1. PAT PAT at ₹501 cr post accelerated provisioning of ₹305 cr
  2. Guidance FY 2027 targets: AUM growth ~20%, deposits growth ~18-20%, PAT growth ~30%, ROA 1.6%-2.0%, ROE 15%-18%
  3. Change Secured book increased to 70% from 60% last year
  4. Driver Secured asset performance makes MFI stress a bump in the road
  5. Risk MFI stress impacted revenue and cost to income ratio

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

Figures from the company's filings with NSE and BSE. Not investment advice.