Jana Small Finance BankNSE:JSFB -0.19%26 Return-on-Tangible-Equity is 12.51% as of Mar. 2026, which is 87% above its 10-year median of 6.70. GuruFocus rates NSE:JSFB with a GF Score™ of 26/100. The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Jana Small Finance Bank ranks worse than 70.72% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Jana Small Finance Bank's annualized net income for the quarter that ended in Mar. 2026 was ₹5,593 Mil. Jana Small Finance Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹44,702 Mil. Therefore, Jana Small Finance Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.51%.
The historical rank and industry rank for Jana Small Finance Bank's Return-on-Tangible-Equity or its related term are showing as below:
NSE:JSFB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -176.99 Med: 6.7 Max: 24.92
Current: 7.59
During the past 9 years, Jana Small Finance Bank's highest Return-on-Tangible-Equity was 24.92%. The lowest was -176.99%. And the median was 6.70%.
NSE:JSFB's Return-on-Tangible-Equity is ranked worse than 70.72% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs NSE:JSFB: 7.59
Jana Small Finance Bank (NSE:JSFB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Jana Small Finance Bank Return-on-Tangible-Equity Related Terms
Jana Small Finance Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Jana Small Finance Bank's Return-on-Tangible-Equity 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-Equity Chart
Jana Small Finance Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Jana Small Finance Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.51% mean?
Jana Small Finance Bank (NSE:JSFB) has a Return-on-Tangible-Equity of 12.51% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jana Small Finance Bank and its competitors. This is 87% above median its historical median of 6.70. According to the industry distribution chart, Jana Small Finance Bank ranks #1077 out of 1523 companies in the Banks industry, placing it in the top 70.7%.
Is Jana Small Finance Bank's Return-on-Tangible-Equity too high?
Jana Small Finance Bank's current Return-on-Tangible-Equity of 12.51% is 87% above median its 10-year median of 6.70. The Banks industry median Return-on-Tangible-Equity is 11.20. Jana Small Finance Bank's value of 12.51% is 11.7% above this industry median. Based on the distribution chart, Jana Small Finance Bank ranks #1077 out of 1523 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-Equity compare to competitors?
According to the Banks industry distribution chart, Jana Small Finance Bank ranks #1077 out of 1523 companies for Return-on-Tangible-Equity. This places Jana Small Finance Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Jana Small Finance Bank's value of 12.51% is 11.7% above this benchmark. While the company's 10-year median is 6.70 vs. the industry median of 11.20, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 12.51% is 11.7% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Jana Small Finance Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 12.51%, which is 87% above median its own 10-year median of 6.70. 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-Equity of 12.51%. The current Return-on-Tangible-Equity is 12.51%, which is 87% above median its 10-year median of 6.70 and 11.7% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current Return-on-Tangible-Equity is 12.51% 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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