| Net Profit: guided vs achieved | 100.00% achieved Guided 80.00%, 25.0% above the top of the range; confirmed by management |
|---|---|
| Net Profit guidance | 80.0% → 100.0% Raised by 20.0 percentage points |
| Management target | Net Profit 100.0% FY27 |
| Revenue growth | Net interest income up 35% YoY driven by better asset mix. |
|---|---|
| Margins | NIMs improved as cost of funds dropped from 7.9% to 7.4%. |
| Demand visibility | Strong visibility in MSME and housing; cautious approach in MFI. |
| Management confidence | Extremely confident, doubling full-year profit growth guidance to 100%. |
Growth
Net interest income grew 35% YoY; secured assets now 73.7% of portfolio.
Outlook
Management doubled PAT guidance to 100% growth for FY27.
Risks
Microfinance (MFI) growth remains subdued due to tighter credit criteria and drought impacts.
Last quarter's promises, checked
Delivered
- PAT 80%+ FY27 → H1 PAT +100% YoY (= BEAT)
- Cost of funds 7.4% ±5bps → 7.4% (= BEAT)
Partly delivered
- 78 branches FY27 → 40 completed (= PARTIAL)
- Secured 72.8% → 80% path → 73.7% (= PARTIAL)
Missed
- Credit Line on UPI live Q2 → launch slipped to Q3 (= MISS)
- Loans against shares live Q2 → wealth mgmt by Q3 (= MISS)
- Nominal cost growth → costs +15% YoY (= MISS)
Earnings Call Transcript filed with NSE, NSE: JSFB. Summary written with AI assistance from the document.
Jana Small Finance Bank Ltd: key numbers
- Share price
- ₹378.75
- Market cap
- ₹4,009 Cr
- Revenue (annual)
- ₹5,353 Cr
- Net profit (annual)
- ₹326.4 Cr
- P/E (TTM)
- 8.4×Sector 19.7×
- Promoter holding
- 16.87%-0.07% QoQ
- FII holding
- 5.10%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Jana Small Finance Bank Ltd
All →Jana Small Finance Bank Management Change
Jana Small Finance Bank appointed Ms. Sneha Sharma as Company Secretary & Compliance Officer, effective November 1, 2026. The role is designated as a Key Managerial Personnel position.
Jana Small Finance Bank Other Announcement
Jana Small Finance Bank filed a Regulation 54 security cover certificate for September 2026. It reports no secured debt, so no cover ratio applies.
Jana Small Finance Bank Investor Presentation: Key Takeaways
Q2 FY27 PAT Rs170 Cr (+127% YoY, +10% QoQ); NII Rs819 Cr (+35% YoY); NIM 7.54%. FY27 PAT growth guidance raised to ~100%.
- Call
- Guides 100% growth
Jana Small Finance Bank Employee Stock Options
Jana Small Finance Bank allotted 17,869 ESOP/RSU shares to employees. Paid-up capital increased marginally to 10.58 crore shares.
Jana Small Finance Bank Q2 FY27 Results: Net Profit ₹170 Cr, Up 126.7% YoY
Jana Small Finance Bank Ltd reported revenue from operations of ₹1,587 Cr (+22.6% YoY) and net profit of ₹170 Cr (+126.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹170 Cr · +126.7% YoY
Jana Small Finance Bank Q2 FY27 Results: Net Profit ₹170.4 Cr, Up 127.2% YoY
Jana Small Finance Bank Ltd reported revenue from operations of ₹1,587 Cr (+22.6% YoY) and net profit of ₹170.4 Cr (+127.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹170.4 Cr · +127.2% YoY