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Jana Small Finance Bank IPO is a Book Building listing on BSE,NSE exchange, with an ipo size of ₹ 570.00 Cr. The company is based in Bangalore and caters to Banking And Finance sector. Axis Capital , ICICI Securities , SBI Capital Markets are the merchant bankers of Jana Small Finance Bank IPO. It is a MainBoard IPO which filed its Draft Red Herring Prospectus (DRHP) on 30th July 2023.
Jana Small Finance Bank IPO posted revenues of ₹ 4431.14 crores and PAT of ₹ 426.44 crores in FY24 on annualised basis.
Revenue:
₹ 3,727.88 Cr.
EBITDA Margin:
13.25
% 
Net Worth: ₹ 2568.97 Cr.
Market Capitalisation:
₹ 4330.04 Cr.
P/E:
16.36 times
P/BV: 1.38 times
EV/EBITDA: 17.54 times
Financial results of Jana Small Finance Bank IPO based on restated financials as per prospectus and IPO review parameters can be referred to below.
| Financials | Sep-23 | FY23 | FY22 | FY21 | |
|---|---|---|---|---|---|
|
Balance Sheet
|
|||||
| Assets | 28105.87 | 25643.69 | 20188.71 | 19078.66 | |
| Net Worth | 2568.97 | 1777.07 | 1184.56 | 1100.77 | |
| Total Debt | 5313.54 | 6277.46 | 4509.83 | 4815.32 | |
|
Profit & Loss
|
|||||
Revenue
Revenue on annualised basis |
1863.94
3,727.88 |
3075.01 | 2726.54 | 2497.73 | |
EBITDA
EBITDA on annualised basis |
247.01
494.02 |
324.66 | 98.29 | 154.94 | |
PAT
PAT on annualised basis |
3694.66
7,389.32 |
3827.06 | 4077.75 | 4054.41 | |
Jana Small Finance Bank IPO PAT Margin is 198.22 % , ROCE (Return on Capital Employed) is [●] % as per latest financial. The below table shows Jana Small Finance Bank IPO Key Performance Indicators (KPI) as mentioned in company’s prospectus.
| Particulars | Sep-23 | FY23 | FY22 | FY21 |
|---|---|---|---|---|
| EBITDA Margin (%) | 13.25 | 10.56 | 3.60 | 6.20 |
| PAT Margin (%) | 198.22 | 124.46 | 149.56 | 162.32 |
| EPS (₹) | 33.26 | 47.47 | 3.44 | 14.25 |
| ROE (%) | 143.82 | 215.36 | 344.24 | 368.32 |
| ROCE (%) | [●] | [●] | [●] | [●] |
| ROA (%) | 13.15 | 14.92 | 20.20 | 21.25 |
| Debt to Equity | 2.07 | 3.53 | 3.81 | 4.37 |
The market Capitalisation of Jana Small Finance Bank IPO is ₹ 4330.04 crores at the time of IPO and other IPO valuation metrics of this IPO is mentioned below.
The Jana Small Finance Bank IPO prospectus highlights an Return on Equity (ROE) of 143.82 % , Return on Assets (ROA) of 13.15 %, and an EBITDA Margin of 13.25 %, showcasing financial performance.
Profitability ratios like Return on Equity (ROE), Return on Assets (ROA), and Net Profit Margin shows Jana Small Finance Bank IPO financial report. Analysing these metrics can provide insights into the company’s efficiency, profitability, and long-term growth potential.
The post-IPO market capitalisation of Jana Small Finance Bank IPO is ₹ 4330.04 Cr., based on the issue price and share structure. It helps investors gauge the company’s valuation and compare it with industry peers before investing.
The Jana Small Finance Bank IPO has a Price-to-Earnings (PE) ratio of 16.36 X, indicating valuation compared to industry peers. It helps investors determine if the stock is overvalued or undervalued compared to its earnings and industry peers.
Jana Small Finance Bank IPO reported revenue of ₹ 4431.14 Cr. in the latest fiscal year, showing business performance, on annualised basis. Revenue figures from Jana Small Finance Bank IPO provide insights into sales growth, market demand, and business scalability.
Jana Small Finance Bank recorded an EBITDA of ₹ 494.02 Cr., reflecting operational efficiency. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) measures operational profitability.
Jana Small Finance Bank Profit After Tax (PAT) is ₹ 7,389.32 Cr., reflecting earnings growth. Profit After Tax (PAT) reflects the company’s actual earnings after all expenses, taxes, and deductions
Revenue:
₹ 3,727.88 Cr.
EBITDA Margin:
13.25
%
Net Worth: ₹ 2568.97 Cr.
Market Capitalisation:
₹ 4330.04 Cr.
P/E:
16.36 times
P/BV: 1.38 times
EV/EBITDA: 17.54 times
Jana Small Finance Bank operates in Banking And Finance and Financial Services. The Issue is listed on BSE,NSE in Feb, 2024. Jana Small Finance Bank IPO size was 570.00 with Issue price of 414.00 .
Merchant Banker(s) of Jana Small Finance Bank IPO: Axis Capital Limited , ICICI Securities Limited , SBI Capital Markets Limited
Jana Small Finance Bank IPO subscription was 19.89 X. IPO subscription refers to applications received in an IPO by each quota, i.e., QIB, Retail, and NII. In some IPOs, Eligible employee quota and shareholder’s quota are also present. Learn more about IPO subscriptions here.
Jana Small Finance Bank IPO listed at a listing price of 368.20 against the offer price of 414.00.
The current market price of Jana Small Finance Bank is 513.10.
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