Tag JFSL

Jio Financial Services
JFSL Reports ₹316 Cr Profit in Q4 FY25; 18% YoY Revenue Growth, First-Ever Dividend Issued

Business and Industry Overview: 

Jio Financial Services Ltd. (JFSL) is a company in India. It provides money-related services to people and small businesses. It helps them to borrow, save, invest, and pay money easily. It works in a digital way. It uses a mobile app called JioFinance. On this app, people can take loans, open savings accounts, pay bills using UPI, recharge mobile phones, buy insurance, and check how they use their money. JFSL started in the year 1999. It was first called Reliance Strategic Investments Private Limited. In 2002, the name changed to Reliance Strategic Investments Limited. In July 2023, the company separated from Reliance Industries Ltd. and got a new name — Jio Financial Services Ltd. On August 21, 2023, it came to the stock market. It is now listed on BSE and NSE. JFSL is registered with the Reserve Bank of India (RBI). It is a Core Investment Company (CIC). It works through other companies like Jio Finance Ltd., Jio Insurance Broking Ltd., Jio Payment Solutions Ltd., Jio Leasing Services Ltd., Jio Finance Platform and Service Ltd., and Jio Payments Bank Ltd. In April 2024, JFSL joined with BlackRock. BlackRock is the biggest asset manager in the world. They started a new business together in India. It will give services like investing, wealth management, and broking. In the last quarter (March 2025), JFSL earned a profit of ₹316 crore. Its total income was ₹518 crore. It now manages more than ₹10,000 crore of assets. 

Latest Stock News: 

The stock price went up by 1.73% on April 17, 2025, closing at ₹246.45, compared to the previous day’s price of ₹242.25. This increase came after the company announced its Q4 FY25 results. The company reported a net profit of ₹316 crore and declared its first-ever dividend of ₹0.50 per share. However, the stock has seen ups and downs over the past year. It reached its highest price of ₹377.00 in April 2024 but has since dropped, following broader market changes and factors specific to the company. Investors are advised to keep an eye on the stock’s performance and think about both recent news and the company’s long-term future before making investment decisions. Jio Financial Services shared its results for the March 2025 quarter on April 17, 2025. The company made a profit of ₹316 crore. This is 2% less than last quarter. But the company’s total income went up. It earned ₹493.24 crore from its business. The company also said it will give a dividend of ₹0.50 per share. This is the first time the company is giving a dividend. The stock price of Jio Financial went up by 1.73% on April 17. The price became ₹246.45, up from ₹242.25 the day before. The stock gave a 16.11% return since it came to the market in August 2023. But in the last year, the stock went down by 34.84%. The total value of the company is around ₹1.56 lakh crore. The earnings per share (EPS) are ₹2.53. The price-to-earnings (P/E) ratio is 97.43. Even though profit went down a little, income went up. The company is still new and growing fast. It is giving money back to shareholders for the first time. This is a good sign for the future. 

Segmental information: 

  1. Retail Financial Services: Offers loans, savings accounts, insurance, and payments through the JioFinance app for individuals. 
  1. Corporate Financial Services: Provides loans and investment solutions to businesses to help them grow. 
  1. Asset Management and Wealth Management: Works with BlackRock to help people manage and grow their investments. 
  1. Broking Services: Helps people buy and sell stocks and bonds through broking services. 
  1. Payment Solutions: Runs Jio Payments Bank, offering UPI payments, bill payments, and recharges. 
  1. Leasing Services: Offers leasing options for businesses to use equipment and vehicles without purchasing them. 
     

Subsidiary Information: 

  1. Jio Finance Ltd.: This company gives loans and other financial services to people. 
  1. Jio Insurance Broking Ltd.: This company helps people buy insurance and manage their policies. 
  1. Jio Payment Solutions Ltd.: It provides digital payment services like UPI payments, bill payments, and recharges. 
  1. Jio Leasing Services Ltd.: This company helps businesses lease equipment and vehicles instead of buying them. 
  1. Jio Finance Platform and Service Ltd.: It provides technology and services to support JFSL’s financial products. 
  1. Jio Payments Bank Ltd.: This company runs Jio Payments Bank, which helps people with savings accounts and digital payments. 
     

Q4 Highlights: 

  • JFSL’s profit for the March 2025 quarter was ₹316 crore, which is 2% lower than ₹310 crore from last year.  
  • The company made ₹493.24 crore from its business. This is a big increase compared to last year. 
  • JFSL announced it will pay a ₹0.50 per share dividend. This is the company’s first-ever dividend.  
  • The company is now focusing on customers who earn ₹7 lakh to ₹100 lakh or more.  

Financial Summary: 

Amount in ₹ Crore Q4 FY24 Q4 FY25 FY23 FY24 
Revenue 418.00 493.00 1,855 2,043 
Expenses 98.00 155 296 495 
EBITDA 320 338 1,559.00 1,548.00 
OPM 77% 69% 84% 76% 
Other Income 78 71 429 429 
Net Profit 311.00 316.00 1,605 1,613 
NPM 74.40 64.10 86.52 78.95 
EPS 0.49 0.5 2.53 2.54