TickerKhojComparison · NSE · data 2026-11-02
Jana Small Finance Bank Ltd vs Utkarsh Small Finance Bank Limited
In plain words
Size: Jana Small Finance Bank Ltd is about 1.9 times the market value of Utkarsh Small Finance Bank Limited.
Return on equity: Jana Small Finance Bank Ltd 7.6% vs Utkarsh Small Finance Bank Limited -40%.
Debt to equity: Jana Small Finance Bank Ltd 3.74 vs Utkarsh Small Finance Bank Limited 2.02.
Differences in the numbers, not a recommendation of either stock.
Side by side
| JSFB | UTKARSHBNK | |
|---|---|---|
| Price | ₹385.65 | ₹11.91 |
| Market cap | ₹3,940 cr | ₹2,041 cr |
| P/E | 8.6 | — |
| P/B | 0.8 | 0.8 |
| ROE | 7.6% | -40.0% |
| ROCE | 0.7% | -7.1% |
| Debt / equity | 3.74 | 2.02 |
| Operating margin | 11.9% | -64.6% |
| Dividend yield | 0.00% | 0.00% |
| Sales growth, 3 years (yearly) | 21.4% | 10.8% |
| Profit growth, 3 years (yearly) | 8.4% | — |
| 1-year return | -14.3% | -41.0% |
| Revenue, last 12 months | ₹6,896 cr | ₹3,793 cr |
| Net profit, last 12 months | ₹475 cr | ₹-945 cr |
| Latest quarter | Sept 2026 | Jun 2026 |
| Quarter net profit | ₹170 cr | ₹-34 cr |
| Quarter profit vs a year earlier | +127.1% | — |
| Promoter holding | 16.87% | 42.67% |
| Health check | Average (5.1/10) | Weak (1/10) |
Common questions
Which earns a higher return on equity?
Jana Small Finance Bank Ltd (7.6% against -40.0%).
Which carries more debt?
Jana Small Finance Bank Ltd has the higher debt-to-equity ratio (3.74 against 2.02).