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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Jio Financial Services Ltd. is an India-based core investment company. The Company provides full-stack financial services to customers, enabling them to borrow, transact, save and invest. The Company operates its financial services business through consumer-facing entities.…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, fast-growing business, reasonably priced.
JIO FIN SERVICES LTD is scored on the nbfc / financials framework. It keeps a fat 44.4% of every rupee of sales as net profit.
Profit has compounded at 268%/yr over 3 years. Book value has grown 6%/yr. Return on equity is a weak 1.3%. In the latest quarter profit fell 59% versus the prior quarter.
At 94× earnings, the stock sits at the 32nd percentile of its own 3.2-year range — the middle of where it has historically traded. Today's price already implies ~30%/yr earnings growth sustained for a decade — a demanding bar. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 92.24 | — | — |
| P/B | 1.21 | 1.4 | better |
| EV/EBITDA | 50.17 | 14.13 | worse |
| ROE | 1.32 | — | — |
| ROCE | 2.15 | — | — |
| ROA | 0.94 | — | — |
| Quick Ratio | 0.66 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 339% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Profit is on a 2-year growth streak. Revenue is outpacing profit (339% vs 268%) — costs are rising faster than the top line.
Operating margin has compressed from 95% to 54% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 1% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (268% vs -66%) — share dilution is eroding per-share value. -66% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 15% QoQ — could be seasonality or a genuine slowdown. Wide quarterly swings (55% spread) — likely seasonality, lumpy orders, or project-based revenue. Run-rate stepping up — recent quarters average 93% above earlier ones.
Profit fell 59% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (30% → 20%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.2y median.
Promoter holding at 51.0% — majority control intact. Promoters added 1.8pp over 4 quarters — creeping acquisition signals conviction.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.