financial_services
Jio Financial Services
JIOFIN · Nifty 50
₹242.98
Price 2026-06-17
At a Glance
Fundamental
76/100
STRONG
Trust
90/100
Verification
Coverage
89/100
HIGH
Quick Take
Jio Financial Services scores 76/100 on fundamentals (strong). Jio Financial Services: PE below historical average. BROAD EXPANSION regime.
Fundamental Score: 76/100 · STRONG · 2 signals detected
DuPont Analysis
ROE 0.9% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 0.89% is modest margin-driven and stable. Net margin of 51.8% × asset turnover of 0.01x × leverage of 1.2x. Low asset turnover is normal for banks.
What This Means
Net margin of 51.8% means the company keeps ₹51.8 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.01x means the company generates ₹0.01 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
84.8%
Operating
93.8%
Net
51.8%
Gross margin 84.8% → operating margin 93.8% → net margin 51.8%. Margins are DECLINING. Check if input costs are rising or competition is pressuring pricing.
Financial Health
Debt Sustainability
ADEQUATEInterest covered 3.5x — adequate buffer. Debt is manageable. Debt/EBITDA at 10.0x is high — monitor leverage.
Peer Comparison
Jio Financial Services is compared against 10 peers in the financial_services sector.
Bank Metrics
Return on Assets
0.72%
Benchmark: >1%
Efficiency Ratio
48.2%
Lower is better
Asset Growth
+22.5%
Year over year
PB Ratio
1.2x
Price to book
ROA of 0.72% is adequate (benchmark: >1% for banks). P/B of 1.16x — trading above book. Reasonable valuation for a bank.
Key Watchpoints
Breaks above ₹255 (+5%)
Trend reversal confirmation
Breaks below ₹231 (-5%)
Further downside risk
PE reverts to 5Y median of 113.6
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -13.1x net income. Profit not converting to cash — aggressive accounting possible.
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 + 2 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes