Jana Small Finance BankNSE:JSFB +0.16%26 Net Margin % is 13.97% as of Mar. 2026, which is 179% above its 10-year median of 5.01. GuruFocus rates NSE:JSFB with a GF Score™ of 26/100. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Jana Small Finance Bank ranks worse than 88.93% on this metric.
The historical rank and industry rank for Jana Small Finance Bank's Net Margin % or its related term are showing as below:
NSE:JSFB'
s Net Margin % Range Over the Past 10 Years
Min: -563.38 Med: 5.01 Max: 25.51
Current: 8.95
NSE:JSFB's Net Margin % is ranked worse than 88.93% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs NSE:JSFB: 8.95
Jana Small Finance Bank (NSE:JSFB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Jana Small Finance Bank Net Margin % Related Terms
Jana Small Finance Bank Net Margin % Historical Data
* 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.
Jana Small Finance Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jana Small Finance Bank's Net Margin % falls into.
* 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.
Jana Small Finance Bank (NSE:JSFB) has a Net Margin % of 13.97% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Jana Small Finance Bank and its competitors. This is 179% above median its historical median of 5.01. According to the industry distribution chart, Jana Small Finance Bank ranks #1358 out of 1527 companies in the Banks industry, placing it in the top 88.9%.
Is Jana Small Finance Bank's Net Margin % too high?
Jana Small Finance Bank's current Net Margin % of 13.97% is 179% above median its 10-year median of 5.01. The Banks industry median Net Margin % is 26.95. Jana Small Finance Bank's value of 13.97% is 48.2% below this industry median. Based on the distribution chart, Jana Small Finance Bank ranks #1358 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jana Small Finance Bank has a GF Score™ of 26/100, reflecting its overall financial health beyond just this single metric.
How does Jana Small Finance Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Jana Small Finance Bank ranks #1358 out of 1527 companies for Net Margin %. This places Jana Small Finance Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Jana Small Finance Bank's value of 13.97% is 48.2% below this benchmark. While the company's 10-year median is 5.01 vs. the industry median of 26.95, Jana Small Finance Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jana Small Finance Bank's current Net Margin % of 13.97% is 48.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Jana Small Finance Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jana Small Finance Bank's current Net Margin % is 13.97%, which is 179% above median its own 10-year median of 5.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jana Small Finance Bank stock overvalued right now?
Jana Small Finance Bank (NSE:JSFB) has a current Net Margin % of 13.97%. The current Net Margin % is 13.97%, which is 179% above median its 10-year median of 5.01 and 48.2% below the Banks industry median of 26.95. Jana Small Finance Bank's overall GF Score™ is 26/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current Net Margin % is 13.97% as of Mar. 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.
AddressKoramangala 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.
26GF Score
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