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The 1-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past year. As of today (2026-09-12), Jana Small Finance Bank's 1-Year Sortino Ratio is 0.49.
Jana Small Finance Bank (NSE:JSFB) 1-Year Sortino Ratio Explanation
The 1-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by the standard deviation of negative returns over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.
Jana Small Finance Bank 1-Year Sortino Ratio Related Terms
Jana Small Finance Bank 1-Year Sortino Ratio Competitor Comparison
For the Banks - Regional subindustry, Jana Small Finance Bank's 1-Year Sortino Ratio, along with its competitors' market caps and 1-Year Sortino Ratio 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 1-Year Sortino Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Jana Small Finance Bank's 1-Year Sortino Ratio distribution charts can be found below:
* The bar in red indicates where Jana Small Finance Bank's 1-Year Sortino Ratio falls into.
Jana Small Finance Bank 1-Year Sortino Ratio Calculation
The 1-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio over the past year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 1-Year Sortino Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the downside risks over one year.
A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.
Jana Small Finance Bank (NSE:JSFB) has a 1-Year Sortino Ratio of 0.49 as of Sep. 12, 2026. 1-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk. View historical data for Jana Small Finance Bank and its competitors.
Is Jana Small Finance Bank's 1-Year Sortino Ratio too high?
Jana Small Finance Bank's current 1-Year Sortino Ratio is 0.49. Overall, Jana Small Finance Bank has a GF Score™ of 52/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Jana Small Finance Bank's 1-Year Sortino Ratio compare to competitors?
Jana Small Finance Bank's 1-Year Sortino Ratio of 0.49 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sortino Ratio for a Banks company?
A good 1-Year Sortino Ratio depends on the Banks industry context. However, 1-Year Sortino Ratio 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 1-Year Sortino Ratio mean?
A high 1-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk. View historical data for Jana Small Finance Bank and its competitors. Jana Small Finance Bank's current 1-Year Sortino Ratio is 0.49. 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?
Based on GuruFocus' analysis, Jana Small Finance Bank (NSE:JSFB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹595.79, compared to a current price of ₹516.85 — trading 13.2% below its estimated fair value. The current 1-Year Sortino Ratio is 0.49. Jana Small Finance Bank's overall GF Score™ is 52/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sortino Ratio calculated?
1-Year Sortino Ratio is calculated from a company's financial statements. For Jana Small Finance Bank (NSE:JSFB), the current 1-Year Sortino Ratio is 0.49 as of Sep. 12, 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 Jana Small Finance Bank (NSE:JSFB) Overvalued in 2026?
Based on GuruFocus' analysis, Jana Small Finance Bank stock appears to be undervalued.
The current stock price of ₹516.85 is trading 13.2% below its estimated GF Value™ of ₹595.79.
GuruFocus considers Jana Small Finance Bank to be Modestly Undervalued.
Key valuation signals for NSE:JSFB:
1-Year Sortino Ratio: 0.49
GF Value™: ₹595.79 vs. price of ₹516.85 (13.2% below fair value)
No single metric tells the full story. See the NSE:JSFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
52GF Score
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