JIOFIN

Jio Financial Services Limited

Reliance's financial-services holding company, building lending, insurance and payments arms

Financial Services›Financial Services›Finance›Investment Company

jfs.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹216.25
Market cap
1,42,793 Cr
Stock P/E
83.4
P/B
1.10
Dividend yield
0.3%
ROE (FY26)
1.2%
ROCE (FY26)
1.7%
Operating margin (FY26)
64.8%
Debt / equity (FY26)
0.16

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

Jio Financial Services (JFS) builds a digital financial services business in India under the Jio brand, covering lending, payments, banking, asset management, insurance and reinsurance through subsidiaries and joint ventures.

Company snapshot

1stBy market cap

Ranked among 41 companies in Investment Company.

What we see

Positives
  • ✓Net margin of 44.4% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026Sept 2026
Net Interest Income269 Cr281 Cr162 Cr205 Cr210 Cr268 Cr264 Cr257 Cr292 Cr344 Cr543 Cr680 Cr
Other income0.72 Cr0.08 Cr0 Cr0.35 Cr11 Cr25 Cr7 Cr21 Cr0.15 Cr1 Cr0.07 Cr0.13 Cr
Net operating income270 Cr281 Cr162 Cr205 Cr221 Cr293 Cr271 Cr278 Cr292 Cr346 Cr543 Cr680 Cr
Employee cost34 Cr39 Cr39 Cr68 Cr54 Cr55 Cr64 Cr95 Cr100 Cr129 Cr152 Cr147 Cr
Other expenses59 Cr57 Cr35 Cr69 Cr59 Cr77 Cr85 Cr185 Cr227 Cr257 Cr411 Cr390 Cr
Provisions & contingencies————————————
Depreciation5 Cr5 Cr5 Cr6 Cr6 Cr6 Cr6 Cr8 Cr8 Cr8 Cr9 Cr11 Cr
Profit before tax381 Cr393 Cr400 Cr773 Cr377 Cr396 Cr419 Cr783 Cr371 Cr339 Cr970 Cr489 Cr
Tax %23.0%20.9%21.9%10.9%21.9%20.1%22.5%11.2%27.5%19.6%14.4%30.4%
Net profit294 Cr311 Cr313 Cr689 Cr295 Cr316 Cr325 Cr695 Cr269 Cr272 Cr830 Cr340 Cr
EPS (₹)₹0.46₹0.49₹0.49₹1.09₹0.46₹0.50₹0.47₹1.10₹0.42₹0.43₹1.27₹0.51

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2024Mar 2025Mar 2026TTM
Net Interest Income927 Cr845 Cr1,157 CrSign in free for the trailing twelve months
Other income0.80 Cr36 Cr29 CrSign in free for the trailing twelve months
Net operating income928 Cr881 Cr1,186 CrSign in free for the trailing twelve months
Employee cost116 Cr215 Cr387 CrSign in free for the trailing twelve months
Other expenses177 Cr239 Cr755 CrSign in free for the trailing twelve months
Provisions & contingencies———Sign in free for the trailing twelve months
Depreciation22 Cr23 Cr29 CrSign in free for the trailing twelve months
Profit before tax1,956 Cr1,947 Cr1,912 CrSign in free for the trailing twelve months
Tax %18.0%17.2%18.3%Sign in free for the trailing twelve months
Net profit1,605 Cr1,613 Cr1,561 CrSign in free for the trailing twelve months
EPS (₹)₹2.53₹2.54₹2.41Sign in free for the trailing twelve months
Dividend payout %0.0%0.0%20.4%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2024Mar 2025Mar 2026
Equity capital6,353 Cr6,353 Cr6,353 Cr
Reserves1,32,794 Cr1,17,143 Cr1,27,500 Cr
Borrowings—3,970 Cr21,768 Cr
Other liabilities5,715 Cr6,043 Cr7,875 Cr
Total liabilities1,44,863 Cr1,33,510 Cr1,63,497 Cr
Fixed assets (net)31 Cr33 Cr54 Cr
CWIP0 Cr7 Cr13 Cr
Investments1,33,292 Cr1,18,910 Cr1,33,089 Cr
Loans & advances173 Cr10,053 Cr25,711 Cr
Trade receivables14 Cr15 Cr61 Cr
Cash & bank67 Cr352 Cr715 Cr
Other assets11,285 Cr4,140 Cr3,855 Cr
Total assets1,44,863 Cr1,33,510 Cr1,63,497 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2024Mar 2025Mar 2026
Cash from operating activity-678 Cr-10,083 Cr-15,439 Cr
Cash from investing1,441 Cr6,406 Cr-5,697 Cr
Cash from financing-753 Cr3,962 Cr21,454 Cr
Net cash flow11 Cr285 Cr318 Cr
Free cash flow (OCF − Capex)-678 Cr-10,125 Cr-15,544 Cr

Ratios

MetricMar 2024Mar 2025Mar 2026
ROCE %1.4%1.5%1.7%
ROE %1.2%1.3%1.2%
Debtor days336
Inventory days000
Days payable———
Cash conversion cycle336
Debt / equity—0.030.16
Current ratio———
Net debt / EBITDA-0.042.349.13