NSE: JIOFIN

Jio Financial Services Limited

We don't have a reliable fair-value estimate for Jio Financial Services Limitedyet - our models need more data before we'll publish a number. You can still explore the company's financials below, or try the free intrinsic-value calculator with your own assumptions.

What Jio Financial Services Limited does

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

Health signals

GrowthRevenue +327.4%/yr (3y)Good

Over the last 3 years, revenue grew 327.4%/yr and profit grew 269.3%/yr.

ProfitabilityROE 1.2%Weak

Every ₹100 of shareholder money earned ₹1.2 in profit last year, vs a sector median of 10.8%.

DebtNot applicableN/A

Borrowing is core to a lender's business model — judge it on profitability and consistency instead.

Valuation-59% vs estimateWeak

The market price is above our estimated fair-value range (based on stated assumptions).

QualityROE steady within ±2.7ppGood

Returns on equity varied by about 2.7 percentage points over the last 5 years — steady.

Key financialsFY18–FY26

Full statements & analysis →

Revenue	₹3,513 Cr
Net profit	₹1,561 Cr
EPS	₹2.46
Free cash flow	₹-15,544 Cr
ROE (latest)	1.2%
Revenue growth (CAGR)	174.4%
Profit growth (CAGR)	158.9%

Peers

Sector overview →

TSF INVESTMENTS LIMITED₹9,701 CrP/E 18.6ROE 8.8%

Summit Securities Limited₹1,536 CrP/E 14.7ROE 1.2%

BLB Limited₹85 CrP/E 2.6ROE 25.4%

Banas Finance Limited₹62 CrP/E 5.6ROE 8.0%

Vardhman Holdings Limited₹1,100 CrP/E 5.1ROE 5.7%

Industrial & Prudential Investment Company Limited₹1,048 CrP/E 16.4ROE 7.5%

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Frequently asked questions

What does Jio Financial Services Limited do?

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.

Which sector does Jio Financial Services Limited belong to?

Jio Financial Services Limited operates in the Finance sector (Finance industry) and is listed on the NSE as JIOFIN.

What is Jio Financial Services Limited's latest annual revenue and profit?

For FY2018, Jio Financial Services Limited reported revenue of ₹3 Cr and net profit of ₹2 Cr. The full multi-year history is in the Financials section above.

What are Jio Financial Services Limited's EPS and return on equity?

In FY2018, Jio Financial Services Limited recorded a return on equity of 9.5%.

How much debt does Jio Financial Services Limited carry?

Jio Financial Services Limited reported total debt of ₹17 Cr in FY2018. See the balance-sheet trend in the Financials section for context.

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

Health signals

GrowthRevenue +327.4%/yr (3y)Good

Over the last 3 years, revenue grew 327.4%/yr and profit grew 269.3%/yr.

ProfitabilityROE 1.2%Weak

Every ₹100 of shareholder money earned ₹1.2 in profit last year, vs a sector median of 10.8%.

DebtNot applicableN/A

Borrowing is core to a lender's business model — judge it on profitability and consistency instead.

Valuation-59% vs estimateWeak

The market price is above our estimated fair-value range (based on stated assumptions).

QualityROE steady within ±2.7ppGood

Returns on equity varied by about 2.7 percentage points over the last 5 years — steady.

Frequently asked questions

What does Jio Financial Services Limited do?

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.

Which sector does Jio Financial Services Limited belong to?

Jio Financial Services Limited operates in the Finance sector (Finance industry) and is listed on the NSE as JIOFIN.

What is Jio Financial Services Limited's latest annual revenue and profit?

For FY2018, Jio Financial Services Limited reported revenue of ₹3 Cr and net profit of ₹2 Cr. The full multi-year history is in the Financials section above.

What are Jio Financial Services Limited's EPS and return on equity?

In FY2018, Jio Financial Services Limited recorded a return on equity of 9.5%.

How much debt does Jio Financial Services Limited carry?

Jio Financial Services Limited reported total debt of ₹17 Cr in FY2018. See the balance-sheet trend in the Financials section for context.