financial_services · JIOFIN
Jio Financial Services
Jio Financial Services: PE below historical average. NARROW LEADERSHIP regime.
Price
₹246.95
Price 2026-07-30
5 day
+5.21%
Short-term move
1 month
+4.45%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹160.5k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect Jio Financial Services (JIOFIN) in the financial_services sector?”
Price chart
₹237
-27.33% over period
About Jio Financial Services
Jio Financial Services Limited, through its subsidiaries, engages in the business of investing and financing, insurance broking, payment bank and payment aggregator, and payment gateway services in India. The company provides loans, savings accounts, recharges, digital insurance, financial tracking, management tools, digital banking, unified payments interface transactions, bill payments, and insurance advisory; and asset and wealth management, and broking services, as well as operating lease solutions to consumers and businesses through a Device-as-a-Service model. It also provides insurance broking services, such as car, bike, health, term, investment, SMEs, MSMEs, property, cyber risk, commercial lines, corporate, and education. In addition, it offers digital banking services, including zero balance, savings, salary, wallet, and online and offline payment solutions; debit cards; payment systems, including aadhaar enabled payment and domestic money transfer; digital payment solutions. Further, it provides home loan; home loan against balance transfer; loan against property, mutual funds, and shares; solar financing; corporate loans and lease; and distribution of life, non-life...
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -8.1% over 14 days) — not a reliable pattern.
52-week position
Trading at 72.9% of 52-week high
Technicals
RSI 14
55.5
Trend
mixed
50 DMA
Above
200 DMA
Below
Key metrics
P/E ratio
101.3
14th pct · 7 quarterly points (limited history)
P/B
1.1
ROE
1.2%
Below-average profitability — 1.2% ROE
Market cap
₹160.5k Cr
Revenue growth
3940.0% YoY
Promoter
50.2%
52-week range
₹223.3 – ₹338.6
72.9% of high
RSI (14)
55.5
mixed
vs 50 DMA
Above
DMA ₹237.93
Fundamental
45/100
SPECULATIVE
Trust
90/100
Verification
Coverage
100/100
HIGH
Score adjusted for extreme valuation (trailing PE 101x, ROE 1.2%).
Quick Take
Jio Financial Services scores 45/100 on fundamentals (speculative). Jio Financial Services: PE below historical average. NARROW LEADERSHIP regime.
Fundamental Score: 45/100 · SPECULATIVE · 3 signals detected
DuPont Analysis
ROE 1.3% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 1.27% is modest margin-driven and stable. Net margin 45.1%, asset turnover 0.02x, leverage 1.2x. Low asset turnover is normal for banks.
What This Means
Net margin of 45.1% means the company keeps ₹45.1 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.02x means the company generates ₹0.02 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 1.2x means the company uses moderate debt. Returns are primarily driven by operations, not borrowing.
Margin Structure
Gross
88.2%
Operating
83.1%
Net
45.1%
Gross margin 88.2% → operating margin 83.1% → net margin 45.1%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.
Financial Health
Debt Sustainability
ADEQUATEInterest covered only 3.0x — stretched. Rising rates could pressure profitability. Debt/EBITDA at 6.9x is high — monitor leverage.
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹1,909.4 | +1.1% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹10,970 | +3.1% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹394.05 | +0.5% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,142.9 | +5.5% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,039.3 | -0.5% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹291.65 | -4.7% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹490.75 | -2.0% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹277.2 | -2.6% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| JIOFIN Jio Financial Services | ₹246.95 | +5.9% | 101.3 | 1.2% | 3940% | ₹1.6L Cr |
Tensions to watch
PE in bottom 14% historically — undervaluation or fundamental deterioration?
Low PE can signal value OR declining growth expectations. Check recent earnings and sector outlook.
Promoter holding at 50.2% — neither distress selling nor aggressive buying
No strong insider signal. Watch for changes in promoter stake as a leading indicator.
Bank Metrics
Return on Assets
1.04%
Benchmark: >1%
Efficiency Ratio
54.9%
Lower is better
Asset Growth
+22.5%
Year over year
PB Ratio
1.2x
Price to book
ROA of 1.04% is strong (benchmark: >1% for banks). Adequate but room for improvement. P/B of 1.2x — trading above book. Reasonable valuation for a bank.
Key Watchpoints
Breaks above ₹259 (+5%)
Trend reversal confirmation
Breaks below ₹235 (-5%)
Further downside risk
PE reverts to median of 130.3 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -9.1x net income. Profit not converting to cash — aggressive accounting possible.
Significant income from non-operating sources. Core business may be smaller than it appears.
Working capital is consuming significant cash. Operational efficiency declining.
High revenue multiple. Market pricing in significant growth or margins expansion.
Profits are from core operations, not one-offs. High quality.
Collection cycle changing. Collection improving — positive for cash flow.
⚠️ 1 critical + 3 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes
