Jana Small Finance Bank (NSE:JSFB) Cash-to-Debt: N/A (As of Jun. 2026)

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NSE:JSFB Jana Small Finance Bank Ltd NSE:JSFB
52 GF Score
Price ₹516.85
GF Value ₹595.79
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Jana Small Finance Bank Cash-to-Debt?

Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Jana Small Finance Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was N/A.

The historical rank and industry rank for Jana Small Finance Bank's Cash-to-Debt or its related term are showing as below:

NSE:JSFB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.12   Med: 0.42   Max: 1.32
Current: 0.56

During the past 9 years, Jana Small Finance Bank's highest Cash to Debt Ratio was 1.32. The lowest was 0.12. And the median was 0.42.

NSE:JSFB's Cash-to-Debt is ranked worse than
72.42% of 1490 companies
in the Banks industry
Industry Median: 1.38 vs NSE:JSFB: 0.56

Jana Small Finance Bank  (NSE:JSFB) Cash-to-Debt Explanation

If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.


Jana Small Finance Bank Cash-to-Debt Related Terms


Jana Small Finance Bank Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Jana Small Finance Bank's Cash-to-Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Jana Small Finance Bank Cash-to-Debt Chart

Jana Small Finance Bank Annual Data
Trend Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cash-to-Debt
Get a 7-Day Free Trial Premium Member Only 0.42 0.38 0.46 1.32 0.56

Jana Small Finance Bank Quarterly Data
Mar18 Mar19 Mar20 Sep20 Mar21 Mar22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cash-to-Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only N/A 0.70 N/A 0.56 N/A

Jana Small Finance Bank Cash-to-Debt Competitor Comparison

For the Banks - Regional subindustry, Jana Small Finance Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jana Small Finance Bank Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Jana Small Finance Bank's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Jana Small Finance Bank's Cash-to-Debt falls into.


NSE:JSFB
52GF Score
Jana Small Finance Bank Ltd NSE:JSFB
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jana Small Finance Bank Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Jana Small Finance Bank's Cash to Debt Ratio for the fiscal year that ended in Mar. 2026 is calculated as:

Jana Small Finance Bank's Cash to Debt Ratio for the quarter that ended in Jun. 2026 is calculated as:

Do not have enough data to calculate Cash to Debt ratio.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Jana Small Finance Bank (NSE:JSFB) Overvalued in 2026?

Based on GuruFocus' analysis, Jana Small Finance Bank stock appears to be undervalued. The current stock price of ₹516.85 is trading 13.2% below its estimated GF Value™ of ₹595.79. GuruFocus considers Jana Small Finance Bank to be Modestly Undervalued.

Key valuation signals for NSE:JSFB:

  • Cash-to-Debt: N/A
  • GF Value™: ₹595.79 vs. price of ₹516.85 (13.2% below fair value)
  • GF Score™: 52/100 with 4 warning signs

No single metric tells the full story. See the NSE:JSFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jana Small Finance Bank Business Description

Other Exchanges 544118:India
Address Koramangala Inner Ring Road, The Fairway Business Park, First Floor, Survey No.10/1, 11/2 & 12/2B Off Domlur, Next to EGL Business Park Challaghatta, Bengaluru, KA, IND, 560071
Jana Small Finance Bank Ltd is engaged in the banking sector. The company is engaged in savings accounts, current accounts, Deposits, Insurance, Loans such as secured business loans, microloans against property, MSME loans, affordable housing loans, term loans to NBFC, loans against fixed deposits, two-wheeler loans, and gold loans. It operates in four segments namely the Treasury segment, Corporate/Wholesale Banking segment, Retail Banking segment, and Other Banking Operations segment. The retail banking segment includes lending to and deposits from retail customers and the identified earnings and expenses of the segment. Maximum revenue is generated from the Retail Banking segment.
52GF Score

Get the complete analysis for NSE:JSFB

Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹516.85
Price
₹595.79
GF Value