Jio Financial Services Ltd.
NSE: JIOFINJio Financial Services Ltd.: A 30-second snapshot
Jio Financial Services trades at Rs 256.8, up 10.95% over the trailing 3 months but down 22.73% over the trailing 12 months and 24.04% below its 52-week high. The stock carries a trailing PE of roughly 80.0x, the richest multiple among its 6-company financial-services peer set (range 13.93x-59.15x), against a return on equity that has not exceeded 15% in any tracked year. Recent news flow is positive (4 of 6 items), centered on a mid-July Q1 result showing net profit roughly doubling year-on-year to Rs 830 crore.
P/E
80.0
Forward P/E
57.6
ROE
—
Debt / Equity
16.29
Profit Margin
+55.0%
Div. Yield
+0.2%
5Y ROE > 15%
0/5
5Y FCF > 0
1/5
Quality
60/100
News
6 headlines · 4 positive · 0 negative
Jio Financial share price target after Q1: MOFSL sees 34% upside, retains 'Buy' - Business Today
Business Today
Buy Jio Financial Services; target of Rs 315: Motilal Oswal - Moneycontrol.com
Moneycontrol.com
Jio Financial Services Q1 net profit more than doubles to ₹830 crore on lending, payments growth - CNBC TV18
CNBC TV18
Jio Financial Services Q1 results: Net profit jumps 156% YoY to ₹830 crore, revenue tops ₹2,000 crore - livemint.com
livemint.com
Friday Broader Market Rally: Financial Services, IT and Metals Stocks Lift Nifty50 - HDFC Sky
HDFC Sky
Recent context
- ·Q1 FY27 results reported mid-July 2026 showed net profit up 156% year-on-year to Rs 830 crore, with revenue crossing Rs 2,000 crore, on lending and payments growth.
- ·Motilal Oswal Financial Services (MOFSL) retained a "Buy" rating with a Rs 315 price target after the Q1 print, citing 34% potential upside.
- ·News sentiment over the sampled period was positive (4 of 6 items), though the sample is concentrated around the single earnings release rather than spread across independent developments.
Strengths
- +Profit margin of 55.01% alongside 5-year revenue and earnings growth of 208.2% and 170.2% respectively, measured from a low post-demerger base.
- +Debt-to-equity of roughly 0.16x is low in absolute terms even though the multi-year trend is described as rising.
- +Price trades above its 50-day moving average (Rs 240.8) and has gained 10.95% over the trailing 3 months.
- +Quality score of 65 ranks 3rd of 6 in its peer set, ahead of Bajaj Finserv (37) and HDFC Life (33).
Weaknesses
- −Return on equity has not exceeded 15% in any tracked year (roeYearsAbove15: 0), and free cash flow was positive in only 1 of the years tracked; the consistency score across these measures is 40 of 100.
- −Trailing PE of roughly 80.0x is the highest among its 6-company financial-services peer set (range 13.93x-59.15x), ranking last on PE.
- −Price sits about 2% below its 200-day moving average (Rs 261.71) and remains 24.04% below its 52-week high despite the recent 3-month bounce.
- −Analyst coverage is limited to 3 analysts with no consensus rating currently reported, and peer-level ROE and 1-year price-change data is missing for most peers, limiting how far sector comparisons can be pushed.
Open questions
- ?Does the rising debt trend alongside a still-low absolute debt-to-equity of about 0.16x reflect early-stage balance-sheet building for the lending and payments business, or a structural shift in capital intensity?
- ?How much of the 5-year revenue and earnings growth reflects the low base following the August 2023 demerger versus momentum that could be expected to continue?
- ?What would need to change in return on equity, which has stayed below 15% in every tracked year, for the current roughly 80x trailing PE to look more anchored to the peer range of 14x-59x?
- ?With the stock still 24% below its 52-week high despite a reported near-doubling of quarterly profit, what specific factors might investors be weighing beyond the headline earnings number?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| JIOFIN | Jio Financial Services Ltd.You're viewing | 80.0 | — | 65 |
| Industry avg | across 5 peers | 30.8 | +12.7% | 51 |
| AXISBANK | Axis Bank Ltd. | 13.9 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.0 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.1 | — | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 31.7 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.1 | +10.8% | 33 |
Technical state
Current price
₹256.80
SMA 50
₹240.80
SMA 200
₹261.71
RSI (14)
59.9 (neutral)
From 52w high
-24.0%
1Y return
-22.7%
3M return
+10.9%
50-DMA
Above
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumReturn on equity has not exceeded 15% in any of the tracked years (roeYearsAbove15: 0) and the current-year ROE figure is not reported. Free cash flow was positive in only 1 of the years tracked, and the multi-year debt trend is described as rising, though the debt-to-equity level itself remains low in absolute terms (about 0.16x, after adjusting Yahoo's percent-scaled raw figure of 16.29). The consistency score across these persistence measures is 40 of 100.
- mediumTrailing PE of roughly 80.0x (forward PE roughly 57.6x) is the richest multiple among the 6 companies in its financial-services peer set (peer PE range 13.93x-59.15x), ranking last (6th of 6) on PE. Quality score of 65 ranks 3rd of 6, ahead of Bajaj Finserv (37) and HDFC Life (33) but behind Axis Bank (70) and HDFC Bank (66). The peer set mixes banks, an insurer and NBFCs against a diversified financial-services holding company, so cross-comparisons carry some business-mix difference.
- mediumCurrent price of Rs 256.8 sits about 2% below the 200-day moving average (Rs 261.71) despite trading above the 50-day moving average (Rs 240.8) and gaining 10.95% over the trailing 3 months. Over the trailing 12 months the stock is down 22.73% and remains 24.04% below its 52-week high, even as RSI of 59.87 sits in neutral territory.
- lowOf 6 recent news items sampled, 4 carried a positive tag, 2 neutral and 0 negative, producing an overall positive label. The visible headline sample concentrates around a single mid-July 2026 quarterly earnings release and associated broker price-target commentary rather than spanning multiple independent developments, narrowing how broad-based the positive read is.
- lowAnalyst coverage is limited to 3 analysts and no consensus rating figure is currently reported. Among the 5 listed peers, return-on-equity data is missing for 2 (Bajaj Finserv, Bajaj Finance) and 1-year price-change data is missing for all 5, which is why peer rankings on ROE and 1-year price change could not be computed.
Cross-section contradictions
- News flow highlights Q1 FY27 net profit rising 156% year-on-year to Rs 830 crore, yet the stock is down 22.73% over the trailing 12 months and remains 24.04% below its 52-week high.
- The stock carries the richest valuation multiple in its peer set (trailing PE roughly 80.0x, versus a peer range of 13.93x-59.15x) despite return on equity not having exceeded 15% in any tracked year.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 9 Aug 2026 · rotates through NIFTY 500 every ~5 days