JIOFIN
Jio Financial Services Limited (JIOFIN) Stock Analysis
Jio Financial Services Limited is the listed financial-services vehicle of the Reliance group, housing payments, lending, and insurance ambitions. It aims to build a digital financial ecosystem leveraging Reliance's distribution. The company is in early growth after demerger from Reliance. It is a closely watched listed financial stock.
Financial Services › Asset Management
₹216.20
+0.76% 1W | -29.20% 52W
Market Cap
142.8k CR
P/E Ratio
82.2
52W High
₹316.9
52W Low
₹208.5
Div. Yield
0.27%
Beta
0.5
50 DMA
₹232.2
200 DMA
₹242.3
Profit Margin
42.8%
Inst. Own.
19.5%
⚡ APPROACHING SUPPORT
⚡ APPROACHING SUPPORT
Fundamentals
Profit & Loss
| Metric | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 608 | 414 | 418 | 418 | 694 | 438 | 493 | 612 | 981 | 901 | 1,019 | 2,004 | 1,699 |
| Expenses | 66 | 94 | 98 | 74 | 140 | 125 | 155 | 156 | 293 | 346 | 414 | 607 | 621 |
| Operating Profit | 542 | 320 | 320 | 344 | 553 | 313 | 338 | 457 | 688 | 555 | 605 | 1,397 | 1,078 |
| OPM % | 89% | 77% | 77% | 82% | 80% | 71% | 69% | 75% | 70% | 62% | 59% | 70% | 63% |
| Other Income | 218 | 67 | 78 | 62 | 226 | 70 | 71 | 67 | 238 | 36 | 40 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 8 | 99 | 136 | 212 | 298 | 418 | 578 |
| Depreciation | 5 | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 8 | 8 | 8 | 9 | 11 |
| Profit before tax | 754 | 381 | 393 | 400 | 773 | 377 | 396 | 419 | 783 | 371 | 339 | 970 | 489 |
| Tax % | 11% | 23% | 21% | 22% | 11% | 22% | 20% | 23% | 11% | 28% | 20% | 14% | 30% |
| Net Profit | 668 | 294 | 311 | 313 | 689 | 295 | 316 | 325 | 695 | 269 | 272 | 830 | 340 |
| EPS in Rs | 1.05 | 0.46 | 0.49 | 0.49 | 1.08 | 0.46 | 0.50 | 0.51 | 1.09 | 0.42 | 0.43 | 1.26 | 0.52 |
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|
| Sales | 45 | 1,855 | 2,043 | 3,521 | 5,623 |
| Expenses | 6 | 296 | 495 | 1,208 | 1,988 |
| Operating Profit | 39 | 1,559 | 1,549 | 2,312 | 3,635 |
| OPM % | 88% | 84% | 76% | 66% | 65% |
| Other Income | 10 | 429 | 428 | 374 | 76 |
| Interest | 0 | 10 | 8 | 745 | 1,507 |
| Depreciation | 0 | 22 | 23 | 29 | 36 |
| Profit before tax | 49 | 1,956 | 1,947 | 1,912 | 2,169 |
| Tax % | 37% | 18% | 17% | 18% | |
| Net Profit | 31 | 1,605 | 1,613 | 1,561 | 1,712 |
| EPS in Rs | 2.53 | 2.54 | 2.46 | 2.63 | |
| Dividend Payout % | 0% | 0% | 20% | 24% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 328.0% | – | – |
| Profit CAGR | 293.0% | – | – |
Shareholding Pattern
Promoters47.12%
FIIs12.30%
DIIs14.68%
Public25.70%
Promoters47.12%
FIIs11.85%
DIIs14.78%
Public26.07%
Promoters47.12%
FIIs11.55%
DIIs15.36%
Public25.77%
Promoters47.12%
FIIs12.31%
DIIs14.26%
Public26.11%
Promoters49.13%
FIIs11.27%
DIIs13.27%
Public26.15%
Promoters47.12%
FIIs19.45%
DIIs12.50%
Public20.77%
Promoters47.12%
FIIs11.66%
DIIs14.21%
Public26.83%
Promoters47.12%
FIIs12.31%
DIIs14.26%
Public26.11%
Promoters49.13%
FIIs11.27%
DIIs13.27%
Public26.15%
JIOFIN
Holdings Analysis
Key strengths & risk signals
65
Overall
89
Fundamental
41
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0.27% yield - little to no income.
POOR YEAR! Stock declined 30.0% in the last year.
WEAK POSITION! Current price (219.0) is below both moving averages.
WEAK! Trading at 9.7% of 52W range - near yearly lows.
Strengths (3)
EXCELLENT EFFICIENCY! 55.0% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
NEUTRAL! RSI at 43.7 - balanced momentum.
Fundamental & Technical Analysis
65Overall
89Fundamental
42Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 431.7% (EXCELLENT, 15/15). Profit CAGR: 268.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 42.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.31 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.27% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.03 - excellent financial health.
Public Holding
16/20
LESS PUBLIC HOLDING! 17.86% public ownership - good institutional/promoter control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (232.2) is below 200-day average (242.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (216.2) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
1/10
POOR YEAR! Stock declined 29.2% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 11,750,899 vs down days: 13,597,070. Ratio: 0.86x
RSI
3/5
NEUTRAL! RSI at 40.3 - balanced momentum.
52W Range
1/5
WEAK! Trading at 7.1% of 52W range - near yearly lows.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 0.8% (1 week), -3.8% (1 month), -11.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
JIOFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-22 | Concall PDF | |
| Q2FY262026-01-21 | Concall PDF | |
| Q1FY262025-10-23 | Concall PDF |
Peer Comparison
Financial Services · Asset Management · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| JIOFIN | ₹216.20 | 82.2 | 42.8% | 431.7% | 268.3% | -29.2% | 65 | APPROACHING SUPPORT | – | -59.0% | – | -5.3% |
| ICICIAMC | ₹2,812.20 | 39.3 | 54.7% | 28.9% | 29.6% | +9.7% | 71 | BREAKDOWN | +23.1% | +26.4% | +17.5% | +3.1% |
| BAJAJHLDNG | ₹11,198.00 | 14.1 | 734.6% | 19.0% | 25.7% | -14.9% | 73 | APPROACHING RESISTANCE | -22.4% | +5.1% | -26.0% | +18.8% |
| HDFCAMC | ₹2,398.60 | 35 | 60.8% | 23.9% | 26.2% | -15.5% | 85 | APPROACHING RESISTANCE | +12.0% | +34.4% | +13.6% | +4.6% |
| NAM-INDIA | ₹1,065.30 | 42.2 | 52.5% | 26.1% | 28.3% | +19.2% | 79 | BOUNCE FROM SUPPORT | +27.2% | +30.9% | +26.4% | +3.8% |
| 360ONE | ₹1,075.00 | 36.3 | 26.5% | 24.0% | 22.7% | -7.9% | 77 | BREAKOUT | +16.1% | +14.5% | +35.5% | +10.8% |
| ANANDRATHI | ₹2,159.70 | 79.6 | 31.3% | 36.0% | 55.0% | +37.1% | 79 | BOUNCE FROM SUPPORT | – | -45.3% | – | +6.8% |
| NUVAMA | ₹1,706.10 | 29.4 | 28.1% | 20.0% | 50.5% | +24.4% | 78 | APPROACHING SUPPORT | +15.8% | +13.6% | +9.4% | -10.3% |
Data from TradeAlone · Updated daily
JIOFIN News
Jio Financial Services Limited (JIOFIN) breaks out, moves up 5% intraday2026-07-29Jio Financial Services Limited (JIOFIN) gains 5% intraday, tests resistance2026-07-17Jio Financial Services Limited (jiofin) Q1 FY27 Results: PAT Up 131%, Revenue Growth Strong2026-07-16Jio Financial Services Limited (JIOFIN) breaks below support, falls 5% intraday2026-07-08
