[Dilip Davda] This SFB is the fourth largest financial service provider in India and has posted remarkable growth in its performance. No doubt, it marked a setback in margins for FY22 in line with general trends for the industry on account of the Pandemic. Based on annualized FY24 earnings, the issue appears reasonably priced. Investors may park funds for the medium to long term rewards. Read detail review...

Jana Small Finance Bank IPO Peer Comparison

Jana Small Finance Bank Limited peer comparison with similar listed entities. (As on March 31, 2023)

Company Name	EPS (Basic)	EPS (Diluted)	NAV (per share) (Rs)	P/E (x)	RoNW (%)	P/BV Ratio	Financial statements
Jana Small Finance Bank Limited	47.47	42.64	323.23		14.40
Au Small Finance Bank Ltd	21.86	21.74	164.64	35.47	13.00	4.71	Consolidated
Suryoday Small Finance Bank Limited	7.32	7.32	149.28	24.21	4.90	1.19	Consolidated
Creditaccess Grameen Ltd	52.04	51.82	326.89	32.66	16.18	5.20	Consolidated
Spandana Sphoorty Financial Ltd	1.74	1.74	436.58	665.52	0.40	2.65	Consolidated
Bandhan Bank Ltd	13.62	13.62	121.58	16.87	11.21	1.89	Consolidated
Ujjivan Financial Services Ltd	5.88	5.87	21.27	10.15	26.45	2.81	Consolidated
Equitas Small Finance Bank Limited	4.71	4.67	46.44	24.21	11.12	2.46	Consolidated
Fusion Micro Finance Ltd	43.29	43.13	230.74	14.68	16.67	2.75	Consolidated
Utkarsh Small Finance Bank Limited	4.52	4.51	22.33	13.51	20.22	2.73	Consolidated

Notes:

All the financial information for listed industry peers mentioned above is on a consolidated basis (unless otherwise available only on standalone basis) and is sourced from the annual reports/ financial results as available of the respective company for the year ended March 31, 2023 submitted to stock exchanges.
P/E ratio is calculated as closing share price (January 16, 2024 - BSE) / Basic EPS for the year ended March 31, 2023.
Basic and diluted EPS as reported in the relevant financial results of the respective company for the year ended March 31, 2023.
Return on net worth (%) = Net profit/(loss) after tax / Net worth at the end of the year.
Net asset value per share (in ₹) = Net worth at the end of the year / Total number of equity shares outstanding at the end of the year.
P/B Ratio is calculated as closing share price as at January 16, 2024 at BSE divided by Net Asset Value per equity share.

Jana Small Finance Bank IPO Review by Members

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Jana Small Finance Bank IPO Review Summary by Members

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