Finance · NSE: JIOFIN
Intrynsic's multi-model valuation estimates Jio Financial Services Limited's fair value at ₹101 per share (range ₹101–₹174) against a market price of ₹235 - a gap of -56.9% (updated 24 July 2026). This is an estimated fair value based on stated assumptions, not investment advice.
Market price
₹235
close of 24 Jul 2026
Est. fair value
₹101
₹101–₹174
Gap
-56.9%
price vs estimate
Trading ~57% above our estimated fair-value range. Assumptions and per-model workings are below.
Jio Financial Services is Reliance's financial arm, building lending, insurance and payments businesses on the Jio customer base. It was spun off from Reliance Industries in 2023.
Finance · Finance
Over the last 3 years, revenue grew 327.4%/yr and profit grew 269.3%/yr.
Every ₹100 of shareholder money earned ₹1.2 in profit last year, vs a sector median of 10.8%.
Borrowing is core to a lender's business model — judge it on profitability and consistency instead.
The market price is above our estimated fair-value range (based on stated assumptions).
Returns on equity varied by about 2.7 percentage points over the last 5 years — steady.
Intrynsic values Jio Financial Services Limited with 2 independent models and blends them into one estimated fair-value range. Every number below is an estimate based on the stated assumptions - change the assumptions and the estimate changes.
| Model | Estimated value | vs price | Weight |
|---|---|---|---|
| SOTPSum of Parts Method | ₹174 | -26% | - |
| P/B + Excess ReturnBank Net Worth Method | ₹101 | -57% | - |
Reverse DCF: today's market price implies the company must grow free cash flow about 49.2% a year for the next decade - versus 120.4% historical revenue growth.
| Revenue | ₹3,513 Cr | |
| Net profit | ₹1,561 Cr | |
| EPS | ₹2.46 | |
| Free cash flow | ₹-21,136 Cr | |
| ROE (latest) | 1.2% | |
| Revenue growth (CAGR) | 174.4% | |
| Profit growth (CAGR) | 158.9% |
Intrynsic's multi-model valuation estimates Jio Financial Services Limited's fair value at ₹101 per share (range ₹101–₹174), last updated 24 July 2026. This is an estimate based on stated assumptions, not investment advice.
Jio Financial Services Limited trades at ₹235 against Intrynsic's estimated fair value of ₹101 - the market price is 57% above the estimate, i.e. above our estimated fair-value range. Different assumptions produce different estimates; see the model breakdown above.
Jio Financial Services Limited trades at about 95.4 times its latest annual earnings per share.
Jio Financial Services is Reliance's financial arm, building lending, insurance and payments businesses on the Jio customer base. It was spun off from Reliance Industries in 2023.
Intrynsic runs 2 valuation models for Jio Financial Services Limited (SOTP, P/B + Excess Return) and blends them into one estimated fair-value range. Every assumption - growth, discount rate, terminal value - is shown openly on this page.
Disclaimer: Intrynsic provides educational and informational analysis only. Fair-value figures are estimates based on stated assumptions - they are not investment advice, research recommendations, or an offer to transact in any security. Intrynsic is not a SEBI-registered investment adviser or research analyst. Markets carry risk; please do your own research or consult a registered adviser before making investment decisions. Prices shown may be delayed end-of-day values. Terms · Privacy