Jana Small Finance BankNSE:JSFB +4.14%26 Return-on-Tangible-Asset is 1.18% as of Mar. 2026, which is 174% above its 10-year median of 0.43. GuruFocus rates NSE:JSFB with a GF Score™ of 26/100. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Jana Small Finance Bank ranks worse than 64.83% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Jana Small Finance Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₹5,593 Mil. Jana Small Finance Bank's average total tangible assets for the quarter that ended in Mar. 2026 was ₹474,477 Mil. Therefore, Jana Small Finance Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.18%.
The historical rank and industry rank for Jana Small Finance Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:JSFB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -25.68 Med: 0.43 Max: 2.29
Current: 0.76
During the past 9 years, Jana Small Finance Bank's highest Return-on-Tangible-Asset was 2.29%. The lowest was -25.68%. And the median was 0.43%.
NSE:JSFB's Return-on-Tangible-Asset is ranked worse than 64.83% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs NSE:JSFB: 0.76
Jana Small Finance Bank (NSE:JSFB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Jana Small Finance Bank Return-on-Tangible-Asset Related Terms
Jana Small Finance Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Jana Small Finance Bank's Return-on-Tangible-Asset 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.
Jana Small Finance Bank Return-on-Tangible-Asset Chart
Jana Small Finance Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Jana Small Finance Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.18% mean?
Jana Small Finance Bank (NSE:JSFB) has a Return-on-Tangible-Asset of 1.18% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jana Small Finance Bank and its competitors. This is 174% above median its historical median of 0.43. According to the industry distribution chart, Jana Small Finance Bank ranks #990 out of 1527 companies in the Banks industry, placing it in the top 64.8%.
Is Jana Small Finance Bank's Return-on-Tangible-Asset too high?
Jana Small Finance Bank's current Return-on-Tangible-Asset of 1.18% is 174% above median its 10-year median of 0.43. The Banks industry median Return-on-Tangible-Asset is 0.99. Jana Small Finance Bank's value of 1.18% is 19.2% above this industry median. Based on the distribution chart, Jana Small Finance Bank ranks #990 out of 1527 companies in the Banks industry, which is below the industry midpoint. 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Jana Small Finance Bank ranks #990 out of 1527 companies for Return-on-Tangible-Asset. This places Jana Small Finance Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Jana Small Finance Bank's value of 1.18% is 19.2% above this benchmark. While the company's 10-year median is 0.43 vs. the industry median of 0.99, Jana Small Finance Bank has consistently been above 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jana Small Finance Bank's current Return-on-Tangible-Asset of 1.18% is 19.2% above 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jana Small Finance Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jana Small Finance Bank's current Return-on-Tangible-Asset is 1.18%, which is 174% above median its own 10-year median of 0.43. 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 Return-on-Tangible-Asset of 1.18%. The current Return-on-Tangible-Asset is 1.18%, which is 174% above median its 10-year median of 0.43 and 19.2% above the Banks industry median of 0.99. Jana Small Finance Bank's overall GF Score™ is 26/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current Return-on-Tangible-Asset is 1.18% 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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