Jio Financial Services Limited (JIOFIN.NS) stock analysis

In our weekly check, Jio Financial Services Limited is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 7.

About Jio Financial Services Limited

Jio Financial Services Limited is a Financial Services company (Asset Management) based in India, listed on NSE as JIOFIN.NS.

What our checks show for JIOFIN.NS

Red flags

• Net debt is 13.1x a year of EBITDA (debt/equity 0.32). That limits room in a downturn and raises refinancing risk.
• The net margin fell by 58 points over 5 years, to 30.4%: the company keeps less of each sale as profit.
• The gross margin fell by 28.1 points, to 71.9%: costs are rising faster than prices.
• Profits not backed by cash
• The price is 77.5 times earnings (P/E): the market already pays for a lot of future growth.
• Return on capital (ROCE) is only 1.2%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• Free cash flow is only 0% of revenue.
• The stock has fallen as much as 48% from a peak. Would you have held through that?
• The stock is still below its previous peak.

Strengths

• Analysts expect earnings per share to grow about 54.2% a year over the next years.
• Analysts expect revenue to grow about 33.5% a year over the next years.
• Analysts expect the net margin to improve by 16 points from today's 30.4%.
• Revenue grew 521% a year over the last 3 years.
• Earnings per share grew 277% a year over the last 3 years.
• Net profit grew 280% a year over the last 3 years.

Next earnings report: 2027-01-21

Similar companies

INVE-B.ST · GROWW.NS · HDFCAMC.NS · EQT.ST · INDU-A.ST

Questions

What grade does Jio Financial Services Limited (JIOFIN.NS) have?

In our weekly check, Jio Financial Services Limited is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of JIOFIN.NS stock?

This week's biggest flags for Jio Financial Services Limited: High debt, Margins falling, Gross margin falling. In total 10 of 23 checks show a warning or a red flag.

What does Jio Financial Services Limited do?

Jio Financial Services Limited is a Financial Services company (Asset Management) based in India, listed on NSE as JIOFIN.NS.

When does Jio Financial Services Limited report earnings next?

The next earnings report is expected on 2027-01-21. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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