TickerKhojComparison · NSE · data 2026-11-02
Jana Small Finance Bank Ltd vs Ujjivan Small Finance Bank Ltd.
In plain words
Size: Ujjivan Small Finance Bank Ltd. is about 2.6 times the market value of Jana Small Finance Bank Ltd.
Return on equity: Ujjivan Small Finance Bank Ltd. 10.7% vs Jana Small Finance Bank Ltd 7.6%.
Profit growth over 3 years: Jana Small Finance Bank Ltd 8.4% a year vs Ujjivan Small Finance Bank Ltd. -13.7% a year.
Debt to equity: Jana Small Finance Bank Ltd 3.74 vs Ujjivan Small Finance Bank Ltd. 2.16.
Differences in the numbers, not a recommendation of either stock.
Side by side
| JSFB | UJJIVANSFB | |
|---|---|---|
| Price | ₹385.65 | ₹55.11 |
| Market cap | ₹3,940 cr | ₹10,390 cr |
| P/E | 8.6 | 9.5 |
| P/B | 0.8 | 1.4 |
| ROE | 7.6% | 10.7% |
| ROCE | 0.7% | 2.3% |
| Debt / equity | 3.74 | 2.16 |
| Operating margin | 11.9% | 26.9% |
| Dividend yield | 0.00% | 0.00% |
| Sales growth, 3 years (yearly) | 21.4% | 19.1% |
| Profit growth, 3 years (yearly) | 8.4% | -13.7% |
| 1-year return | -14.3% | 4.8% |
| Revenue, last 12 months | ₹6,896 cr | ₹8,962 cr |
| Net profit, last 12 months | ₹475 cr | ₹1,149 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹170 cr | ₹365 cr |
| Quarter profit vs a year earlier | +127.1% | +199.9% |
| Promoter holding | 16.87% | — |
| Health check | Average (5.1/10) | Average (5.4/10) |
Common questions
Which has a higher P/E, Jana Small Finance Bank Ltd or Ujjivan Small Finance Bank Ltd.?
Ujjivan Small Finance Bank Ltd. trades at the higher P/E (9.5 against 8.6). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Ujjivan Small Finance Bank Ltd. (10.7% against 7.6%).
Which carries more debt?
Jana Small Finance Bank Ltd has the higher debt-to-equity ratio (3.74 against 2.16).