Tag Jio Financial Services Ltd

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 

Jio Financial Services Ltd.
Jio Financial Jumps 3% on New Loan Against Securities (LAS) Rollout by NBFC Arm

Business and Industry Overview: 

Jio Financial Services Ltd. (JFSL) is an Indian financial services company, based in Mumbai. It helps people take loans, save money, pay bills, do recharges, buy insurance, and invest money. All these services are given through a mobile app called JioFinance. People can use the app to manage their money easily. The company wants to make money services simple for all people in India. JFSL started in 1999 with the name Reliance Strategic Investments Private Limited. Later, the name changed to Reliance Strategic Investments Limited in 2002. In 2023, it became Jio Financial Services Ltd. after it separated from Reliance Industries. It got listed on the stock market (BSE and NSE) on 21 August 2023. JFSL is registered with the Reserve Bank of India as a Core Investment Company. It runs its services through companies like Jio Finance Ltd., Jio Insurance Broking Ltd., Jio Payment Solutions Ltd., Jio Leasing Services Ltd., Jio Finance Platform and Services Ltd., and Jio Payments Bank Ltd. JFSL also works with BlackRock, the world’s biggest asset manager. Together they give services like money investment, wealth management, and broking. JFSL wants to help every Indian become strong in money matters using mobile and online tools. The company wants to grow with India and give good returns to people who trust and invest in it.  

Latest Stock News: 

As of April 9, 2025, Jio Financial Services Ltd. (JFSL) is trading at ₹220.92 per share, with a market value of around ₹1,40,385 crore. The stock saw a small drop today. This matches the overall market mood and how investors reacted to recent news. A day earlier, on April 8, JFSL shares jumped 5.38% in the last hour of trading and hit ₹225. It ended the day at ₹224.40, up 5.11%. This big jump happened because Jio Finance Ltd, its NBFC arm, launched a new digital Loan Against Securities (LAS) service. This service gives loans up to ₹1 crore in just 10 minutes, using shares or mutual funds as security. Interest starts from 9.99%, with a loan time of up to 3 years and no early closing charges. The company said this is part of their plan to give fast, easy, and digital financial help to people. Even with this rise, the stock is still down 26.31% in 2025. The stock is trading below many moving averages (5-day to 200-day). Its RSI is 48.56, which shows it is not overbought or oversold. The stock has a high P/E of 256.15, P/B of 5.47, EPS of 0.83, and RoE of 2.13. Its one-year beta is 1.3, which means it is quite volatile. As of December 2024, promoters owned 47.12% of the company, which is backed by Reliance Industries. 

Potentials: 

Jio Financial Services wants to help people with money matters in a simple way. It has many future plans. First, it will start giving insurance with a German company called Allianz. This will help people protect their health, family, and things they own. Second, it will work with a big U.S. company called BlackRock. Together, they will help people save and grow their money through mutual funds and other tools. Third, Jio will start renting phones and internet devices to people. It will buy these devices from Reliance Retail and give them on rent to customers. Fourth, Jio has started a new service called Loan Against Securities (LAS). With this, people can get a loan in just 10 minutes by using their shares or mutual funds as security. They can take up to ₹1 crore at low interest, and they don’t have to pay extra if they close the loan early. Jio wants to give all these services in a digital and easy way. People can use their phone to get loans, invest, and more. The aim is to make money help simple, fast, and for everyone in India. 

Analyst Insights: 

  • Market capitalisation: ₹ 1,40,344 Cr. 
  • Current Price: ₹ 221 
  • 52-Week High/Low: ₹ 395 / 199 
  • Stock P/E Ratio: 87.3 
  • Dividend Yield: 0.00% 
  • Return on Capital Employed (ROCE): 1.55% 
  • Return on Equity (ROE): 1.27% 

Jio Financial Services Ltd (JFSL) is growing fast. Its revenue went up from ₹45 crore in 2023 to ₹1,855 crore in 2024. Its profit also increased from ₹31 crore to ₹1,605 crore. This shows strong business growth. The company has almost no debt, which is good. It also became more efficient. Its working capital days reduced from 1,832 to just 20.6 days. This means it is using money better. The company’s profit margin is also high at 80%. It keeps more money as profit after costs. JFSL is part of Reliance Group, which gives it strong support and trust. 

The company is starting new services. It is working in loans, insurance, and payments. It started a digital loan service called “Loan Against Securities.” Customers can use shares or mutual funds to get loans in just 10 minutes. The loan amount can go up to ₹1 crore. This shows JFSL is using technology to grow and make services easy. 

But there are also some risks. The return on equity (ROE) is 1.27% and ROCE is 1.55%. These are low. It means the company is not using its money very well yet. The stock is expensive. The price-to-earnings ratio (P/E) is high at 87.3. This means the stock costs more than its earnings. The stock has also gone down 26% in 2025 till now. It is trading below many moving averages. This shows weak performance in the short term. 

So, the company has good plans and strong growth. It is safe and backed by Reliance. But right now, returns are low and the stock is costly. Investors should wait and watch how the company performs in the coming quarters. 

Jio Financial Services Ltd
Jio Financial Services (JFSL) Stock Update: 10.8 Lakh Equity Block Deal – Time to BUY or SELL?

Business and Industry Overview: 

Jio Financial Services Ltd. (JFSL) is a company in India that helps people with money. It was part of Reliance Industries but became its own company in August 2023. JFSL helps people get loans, save money, invest, and pay bills using the JioFinance app. 

The company started in 1999 with the name Reliance Strategic Investments Private Limited. In 2002, the name changed to Reliance Strategic Investments Limited. In July 2023, after leaving Reliance Industries, it became Jio Financial Services Ltd. It is listed on the stock market and follows the rules of the Reserve Bank of India. 

JFSL is an NBFC (Non-Banking Financial Company). This means it does not take deposits but still gives financial services. JFSL uses technology to make banking and money matters simple for everyone in India. It is a Core Investment Company (CIC). It has a joint venture with the State Bank of India called Jio Payments Bank Limited. It runs 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. JFSL also works with BlackRock, the world’s biggest company that helps people invest and manage money in India. 

Jio Financial Services Ltd is an Indian financial services company based in Mumbai. Originally a subsidiary of Reliance Industries, it was demerged as an independent entity and listed on the Indian stock exchanges in August 2023.  Jio Financial Services Ltd. (JFSL) is a new-age institution providing full-stack financial services to customers, enabling them to borrow, transact, save, and invest seamlessly. Its digital-first model aims to ensure the holistic financial well-being of Indian citizens. 

Non-Banking Financial Companies (NBFCs) have witnessed significant growth in India’s financial ecosystem, playing a crucial role in credit expansion and financial inclusion. Their market share in credit distribution increased from 12% in 2008 to 18% in 2019, before slightly declining to 16% in 2022 due to increased competition from banks. JFSL is a leader in India’s microfinance landscape.  

Latest Stock News: 

Jio Financial Services Ltd. (JFSL) is a company in India that helps people with money. Its stock price has been falling. In six months, it dropped 31%, and in one month, it fell 12%. On Friday, the stock hit its lowest price of ₹212.50 in the last year. A big deal of 10.8 lakh shares happened, but no details were given. This happened before JFSL joins the Nifty 50 index on March 28. Even with falling stock prices, JFSL is bringing new technology. It is using AI to help people with money decisions and blockchain to make transactions safe and clear. JFSL wants to help both city and village people, including 190 million adults without bank accounts. It uses Reliance Jio’s network to make digital banking easy. Experts say India’s fintech market will grow 15-20% every year. This growth will help JFSL succeed in making financial services simple and available to everyone. 

Potentials: 

JFSL will start offering life and general insurance. It plans to get approval from the Insurance Regulatory and Development Authority of India (IRDAI) and will invest ₹1,000 crore in each type of insurance. It has joined with BlackRock to start a mutual fund business, and the Securities and Exchange Board of India (SEBI) has given early approval. JFSL is talking with BlackRock to create a private credit business, which will give loans to big companies and small startups. It may also partner with Germany’s Allianz SE to start insurance businesses in India. JFSL wants to use AI and blockchain to make financial services easy, safe, and helpful for everyone, including people in villages. India’s financial market is growing 15-20% every year, and JFSL plans to use this growth to expand its services. 

JFSL will start offering life and general insurance. It plans to get approval from the Insurance Regulatory and Development Authority of India (IRDAI) and will invest ₹1,000 crore in each type of insurance. It has joined with BlackRock to start a mutual fund business, and the Securities and Exchange Board of India (SEBI) has given early approval. JFSL is talking with BlackRock to create a private credit business, which will give loans to big companies and small startups. It may also partner with Germany’s Allianz SE to start insurance businesses in India. JFSL wants to use AI and blockchain to make financial services easy, safe, and helpful for everyone, including people in villages. India’s financial market is growing 15-20% every year, and JFSL plans to use this growth to expand its services. 

Analyst Insights: 

  • Market capitalisation: ₹ 1,31,901 Cr. 
  • Current Price: ₹ 208 
  • 52-Week High/Low ₹ 395 / 207 
  • P/E Ratio: 82.1 
  • Dividend Yield: 0.00 % 
  • Return on Capital Employed (ROCE): 1.55 % 
  • Return on Equity (ROE): 1.27 % 

Jio Financial Services is almost debt-free and has improved its working capital needs from 1,832 days to just 20.6 days, showing better efficiency. The stock is trading at 0.96 times its book value, meaning it is close to its actual worth. However, its P/E ratio of 82.1 is very high, making it expensive compared to earnings. The company is making profits but does not pay dividends, which may not be good for investors looking for regular income. The ROCE (1.55%) and ROE (1.27%) are low, showing weak returns. The stock has fallen a lot from its 52-week high of ₹395 and is now close to its low of ₹207. Because of these reasons, it is not a good time to buy, but also not the right time to sell. Investors should hold the stock and wait for better earnings or a lower price before deciding.