Jio Financial Services (NSE:JIOFIN) Net Debt Paydown Yield % : -7.58% (As of Jul. 20, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:JIOFIN Jio Financial Services Ltd NSE:JIOFIN
62 GF Score
Price ₹242.98
GF Value ₹1,053.59
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is Jio Financial Services Net Debt Paydown Yield %?

Jio Financial Services NSE:JIOFIN +3.11% 62 Net Debt Paydown Yield % is -7.58% as of Jul. 20, 2026. GuruFocus rates NSE:JIOFIN with a GF Score™ of 62/100 and a GF Value™ of ₹1,053.59 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 964 Asset Management companies, Jio Financial Services ranks worse than 82.47% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Jio Financial Services's Net Debt Paydown Yield % was -7.58%.


Jio Financial Services  (NSE:JIOFIN) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Jio Financial Services Net Debt Paydown Yield % Related Terms


Jio Financial Services Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Jio Financial Services's Net Debt Paydown Yield % 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.

Jio Financial Services Net Debt Paydown Yield % Chart

Jio Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -8.54

Jio Financial Services Quarterly Data
Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Debt Paydown Yield % 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 0.00 0.00 0.00 -8.54 -7.79

NSE:JIOFIN vs BLK, BX, KKR: Net Debt Paydown Yield % Comparison

For the Asset Management subindustry, Jio Financial Services's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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.


Jio Financial Services Net Debt Paydown Yield % vs Asset Management Industry

For the Asset Management industry and Financial Services sector, Jio Financial Services's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Jio Financial Services's Net Debt Paydown Yield % falls into.


NSE:JIOFIN
62GF Score
Jio Financial Services Ltd NSE:JIOFIN
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jio Financial Services Net Debt Paydown Yield % Calculation

Jio Financial Services's Net Debt Paydown Yield % for the quarter that ended in Jun. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 39700-161372.85 )/1561246.89448
=-7.79 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -7.58% mean?
Jio Financial Services (NSE:JIOFIN) has a Net Debt Paydown Yield % of -7.58% as of Jul. 20, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Jio Financial Services and its competitors. According to the industry distribution chart, Jio Financial Services ranks #795 out of 964 companies in the Asset Management industry, placing it in the top 82.5%.
Is Jio Financial Services' Net Debt Paydown Yield % too high?
Jio Financial Services' current Net Debt Paydown Yield % is -7.58%. Based on the distribution chart, Jio Financial Services ranks #795 out of 964 companies in the Asset Management industry, which is in the bottom quartile relative to peers. Overall, Jio Financial Services has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Jio Financial Services' Net Debt Paydown Yield % compare to BLK and BX?
According to the Asset Management industry distribution chart, Jio Financial Services ranks #795 out of 964 companies for Net Debt Paydown Yield %. This places Jio Financial Services in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Asset Management company?
A good Net Debt Paydown Yield % depends on the Asset Management industry context. However, Net Debt Paydown Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Jio Financial Services and its competitors. Jio Financial Services's current Net Debt Paydown Yield % is -7.58%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jio Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Jio Financial Services (NSE:JIOFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹1,053.59, compared to a current price of ₹242.98 — trading 76.9% below its estimated fair value. The current Net Debt Paydown Yield % is -7.58%. Jio Financial Services' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Jio Financial Services (NSE:JIOFIN), the current Net Debt Paydown Yield % is -7.58% as of Jul. 20, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jio Financial Services (NSE:JIOFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Jio Financial Services stock appears to be undervalued. The current stock price of ₹242.98 is trading 76.9% below its estimated GF Value™ of ₹1,053.59. GuruFocus considers Jio Financial Services to be Possible Value Trap.

Key valuation signals for NSE:JIOFIN:

  • Net Debt Paydown Yield %: -7.58%
  • GF Value™: ₹1,053.59 vs. price of ₹242.98 (76.9% below fair value)
  • GF Score™: 62/100 with 4 warning signs

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


Jio Financial Services Business Description

Other Exchanges 543940:India
Address Bandra Kurla Complex, 1st Floor, Building 4NA, Maker Maxity, Bandra East, Mumbai, MH, IND, 400051
Jio Financial Services Ltd is a core investment company, non-deposit taking, systemically important (CIC-ND-SI). Along with its subsidiaries, joint ventures, and associates, it is engaged in the business of Investing and Financing, mainly Leasing, Insurance broking, Payment Bank, Payment Aggregator, and Payment Gateway services.
62GF Score

Get the complete analysis for NSE:JIOFIN

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹242.98
Price
₹1,053.59
GF Value