Jana Small Finance BankNSE:JSFB +0.16%26 ROE % 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 1,524 Banks companies, Jana Small Finance Bank ranks worse than 67.85% on this metric.
The historical rank and industry rank for Jana Small Finance Bank's ROE % or its related term are showing as below:
NSE:JSFB'
s ROE % 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 ROE % was 24.92%. The lowest was -176.99%. And the median was 6.70%.
NSE:JSFB's ROE % is ranked worse than 67.85% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs NSE:JSFB: 7.59
Jana Small Finance Bank (NSE:JSFB) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance Bank's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Jana Small Finance Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Jana Small Finance Bank (NSE:JSFB) has a ROE % of 12.51% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 #1034 out of 1524 companies in the Banks industry, placing it in the top 67.8%.
Is Jana Small Finance Bank's ROE % too high?
Jana Small Finance Bank's current ROE % of 12.51% is 87% above median its 10-year median of 6.70. The Banks industry median ROE % is 10.22. Jana Small Finance Bank's value of 12.51% is 22.4% above this industry median. Based on the distribution chart, Jana Small Finance Bank ranks #1034 out of 1524 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Jana Small Finance Bank ranks #1034 out of 1524 companies for ROE %. This places Jana Small Finance Bank in the lower half of its industry. The industry median ROE % is 10.22. Jana Small Finance Bank's value of 12.51% is 22.4% above this benchmark. While the company's 10-year median is 6.70 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jana Small Finance Bank's current ROE % of 12.51% is 22.4% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Jana Small Finance Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jana Small Finance Bank's current ROE % 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 ROE % of 12.51%. The current ROE % is 12.51%, which is 87% above median its 10-year median of 6.70 and 22.4% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current ROE % 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
Get the complete analysis for NSE:JSFB
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:JSFB has been successfully added to your 
