Cash flow Jio Financial Services Limited

Stocks

JIOFIN

INE758E01017

Consumer Lending

End-of-day quote NSE India S.E. Other stock markets 15/07/2026			5-day change	1st Jan Change
236.59 ^INR	+0.26%		-2.67%	-19.79%

09/06	Jio BlackRock prepares ETF debut by August after building $2 billion India fund base	RE
19/05	Jio Financial invests 49.5 million rupees in Jio Allianz General Insurance	RE

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Published financial data: JIO FINANCIAL SERVICES LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	295.18Cr	148.09Cr	39Cr	1.15TCr	1.09TCr
Interest Expense, Total	110.57Cr	-	-	10Cr	7.65Cr
Net Interest Income	184.61Cr	148.09Cr	39Cr	1.14TCr	1.09TCr
Commission and Fees	-	-	-	151.66Cr	155.17Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-	52L	3.02Cr	547.63Cr	794.27Cr
Other Revenues, Total	-	36Cr	-	-	36Cr
Revenues Before Provison For Loan Losses	184.61Cr	184.26Cr	42Cr	1.84TCr	2.07TCr
Provision For Loan Losses	-	25L	-10Cr	2.05Cr	40Cr
Total Revenues	184.61Cr	184.01Cr	52Cr	1.84TCr	2.03TCr
Salaries And Other Employee Benefits	-	-	-	116.04Cr	214.92Cr
Cost of Services Provided, Total	-	7.04Cr	2.02Cr	-	-
Depreciation & Amortization - (IS) - (Collected)	-	-	-	22Cr	23Cr
Other Operating Expenses	62Cr	-	13L	177.43Cr	239.39Cr
Total Operating Expenses	62Cr	7.04Cr	2.15Cr	314.99Cr	476.83Cr
Operating Income	122.52Cr	176.97Cr	50Cr	1.53TCr	1.55TCr
Income (Loss) on Equity Invest.	-	-	-	428.52Cr	392.82Cr
Other Non Operating Income (Expenses)	7.79Cr	-10L	-20L	80L	38L
EBT, Excl. Unusual Items	130.31Cr	176.87Cr	49Cr	1.96TCr	1.95TCr
Gain (Loss) on Sale of Investments	-12Cr	-	-	-	-
EBT, Incl. Unusual Items	118.06Cr	176.87Cr	49Cr	1.96TCr	1.95TCr
Income Tax Expense	-5Cr	8.83Cr	18Cr	351.34Cr	334.32Cr
Earnings From Continuing Operations	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Net Income to Company	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Net Income - (IS)	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Net Income to Common Incl Extra Items	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Net Income to Common Excl. Extra Items	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Per Share Items
Net EPS - Basic	238.1	325.13	60.46	2.53	2.54
Basic EPS - Continuing Operations	238.1	325.13	60.46	2.53	2.54
Basic Weighted Average Shares Outstanding	51.68L	51.68L	51.68L	635.33Cr	635.32Cr
Net EPS - Diluted	238.1	325.13	60.46	2.53	2.54
Diluted EPS - Continuing Operations	238.1	325.13	60.46	2.53	2.54
Diluted Weighted Average Shares Outstanding	51.68L	51.68L	51.68L	635.33Cr	635.32Cr
Normalized Basic EPS	157.58	213.89	59.67	1.92	1.92
Normalized Diluted EPS	157.58	213.89	59.67	1.92	1.92
Dividend Per Share	-	-	-	-	0.5
Payout Ratio	-	-	2.84T	-	-
Supplemental Items
Total Revenues (As Reported)	310.81Cr	184.26Cr	45Cr	1.85TCr	2.08TCr
Effective Tax Rate - (Ratio)	-4.24	4.99	36.66	17.96	17.17
Current Domestic Taxes	3.71Cr	10Cr	8.7Cr	-	-
Total Current Taxes	3.71Cr	10Cr	8.7Cr	333.2Cr	269.92Cr
Deferred Domestic Taxes	-8.71Cr	-1.37Cr	9.39Cr	-	-
Total Deferred Taxes	-8.71Cr	-1.37Cr	9.39Cr	18Cr	64Cr
Normalized Net Income	81Cr	110.54Cr	31Cr	1.22TCr	1.22TCr
Non-Cash Pension Expense	-	-	8L	16L	22L

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	36L	51L	63Cr	132.29Cr	526.57Cr
Long-Term Investments - (FS Template)	11Cr	150.69Cr	98TCr	1,27500Cr	1,11200Cr
Trading Asset Securities, Total	47Cr	30Cr	10TCr	5.8TCr	7.69TCr
Loans and Lease Receivables - (FS Template)	1.95TCr	2TCr	41Cr	173.31Cr	10TCr
Other Receivables	1L	-	374.46Cr	401.99Cr	208.88Cr
Gross Property Plant And Equipment	-	-	71Cr	71Cr	89Cr
Accumulated Depreciation	-	-	-31Cr	-40Cr	-50Cr
Net Property Plant And Equipment	-	-	40Cr	31Cr	39Cr
Goodwill	-	-	100.74Cr	100.48Cr	100.48Cr
Other Intangibles, Total	-	-	56Cr	43Cr	55Cr
Other Current Assets, Total	47Cr	40Cr	6.11TCr	11TCr	3.61TCr
Deferred Tax Assets Long-Term (Collected)	3.94Cr	5.31Cr	-	23L	9.96Cr
Total Assets	2.06TCr	2.23TCr	1,14900Cr	1,44900Cr	1,33500Cr
Liabilities
Accounts Payable, Total	-	-	16Cr	16Cr	33Cr
Accrued Expenses, Total	7L	7L	72L	36Cr	63Cr
Short-Term Borrowings	-	-	742.77Cr	-	696.68Cr
Current Portion of Long-Term Debt	-	-	-	-	450Cr
Long-Term Debt	-	-	-	-	2.98TCr
Current Income Taxes Payable	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	-	101.61Cr	223.55Cr
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	-	-	4L	3.36Cr	1.48Cr
Deferred Tax Liability Non-Current	-	-	6.62Cr	5.56TCr	5.57TCr
Other Non Current Liabilities	17L	2L	43Cr	-	-
Total Liabilities	24L	9L	809.23Cr	5.72TCr	10TCr
Preferred Stock Convertible	31L	31L	31L	-	-
Total Preferred Equity	31L	31L	31L	-	-
Common Stock, Total	2.02Cr	2.02Cr	2.02Cr	6.35TCr	6.35TCr
Additional Paid In Capital	881.17Cr	881.17Cr	30TCr	30TCr	30TCr
Retained Earnings	1.18TCr	1.34TCr	10TCr	12TCr	14TCr
Comprehensive Income and Other	1.23Cr	1.23Cr	74TCr	91TCr	74TCr
Total Common Equity	2.06TCr	2.23TCr	1,14100Cr	1,39100Cr	1,23500Cr
Total Equity	2.06TCr	2.23TCr	1,14100Cr	1,39100Cr	1,23500Cr
Total Liabilities And Equity	2.06TCr	2.23TCr	1,14900Cr	1,44900Cr	1,33500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	20.2L	20.2L	20.2L	635.33Cr	635.31Cr
ECS Total Common Shares Outstanding	20.2L	20.2L	20.2L	635.33Cr	635.31Cr
Book Value / Share	10.2T	11.03T	6L	219.02	194.39
Tangible Book Value	2.06TCr	2.23TCr	1,14000Cr	1,39000Cr	1,23300Cr
Tangible Book Value Per Share	10.2T	11.03T	6L	218.79	194.14
Total Debt	0	0	742.77Cr	0	4.13TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	1.24Cr	3.36Cr	1.48Cr
Net Debt	-47Cr	-31Cr	-9.51TCr	-5.93TCr	-4.09TCr
Equity Method Investments, Total	-	-	-	53TCr	46TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	123.06Cr	168.04Cr	31Cr	1.6TCr	1.61TCr
Depreciation, Depletion & Amortization	-	-	31Cr	9.07Cr	10Cr
Total Depreciation, Depletion & Amortization	-	-	31Cr	9.07Cr	10Cr
Amortization of Deferred Charges, Total	-	-	16Cr	12Cr	12Cr
(Gain) Loss on Sale of Investments - (CF)	12Cr	-52L	-3.02Cr	2.05Cr	40Cr
Total Asset Writedown	-	-	-	-547.63Cr	-794.27Cr
Provision for Credit Losses	-7.84Cr	25L	-10Cr	-	-
(Income) Loss On Equity Investments - (CF)	-	-	-	-428.52Cr	-392.82Cr
Change in Accounts Receivable	-	-	3L	-	-
Changes in Accrued Interest Receivable	308.65Cr	148.09Cr	-	-	-
Change In Inventories	-	-	-	-	-
Change in Accounts Payable	-336.95Cr	-15L	4L	96Cr	291.05Cr
Change in Other Net Operating Assets (Collected)	2.43TCr	-38Cr	2.01TCr	-300.28Cr	-9.98TCr
Other Operating Activities	-99Cr	-154.99Cr	-22Cr	-1.13TCr	-880.63Cr
Cash from Operations	2.43TCr	123.04Cr	2.05TCr	-677.57Cr	-10TCr
Capital Expenditure	-	-	-	-79L	-42Cr
Divestitures	-	-	-	30L	-
Investment in Marketable and Equity Securities, Total	163.22Cr	-122.89Cr	-1.17TCr	265.08Cr	5.18TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-	-	-	-	-
Other Investing Activities, Total	-	-	27L	1.18TCr	1.26TCr
Cash from Investing	163.22Cr	-122.89Cr	-1.17TCr	1.44TCr	6.41TCr
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	-	-	-	3.97TCr
Total Debt Issued	-	-	-	-	3.97TCr
Short Term Debt Repaid, Total	-2.42TCr	-	-	-742.77Cr	-
Total Debt Repaid	-2.42TCr	-	-	-742.77Cr	-
Common & Preferred Stock Dividends Paid	-	-	-888.92Cr	-	-
Common & Preferred Stock Dividends Paid	-	-	-888.92Cr	-	-
Other Financing Activities, Total	-177.23Cr	-	-	-10Cr	-5.34Cr
Cash from Financing	-2.6TCr	-	-888.92Cr	-753.04Cr	3.96TCr
Miscellaneous Cash Flow Adjustments	-	-	63Cr	-	-
Net Change in Cash	-13L	15L	63Cr	11Cr	285.14Cr
Supplemental Items
Cash Interest Paid	177.23Cr	-	-	10Cr	5.34Cr
Cash Income Tax Paid (Refund)	-90Cr	16Cr	-7.78Cr	334.74Cr	280.04Cr
Net Debt Issued / Repaid	-2.42TCr	-	-	-742.77Cr	3.97TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	3.61	7.84	0.05	1.24	1.16
Return On Equity %	6.16	7.84	0.05	1.27	1.23
Return on Common Equity	6.16	7.84	0.05	1.27	1.23
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	-	3.83	3.91	6.3	10.58
Income From Continuing Operations Margin %	66.66	91.32	60.46	87.13	79.42
Net Income Margin %	66.66	91.32	60.46	87.13	79.42
Net Avail. For Common Margin %	66.66	91.32	60.46	87.13	79.42
Normalized Net Income Margin	44.12	60.07	59.66	66.38	59.93
Asset Turnover
Asset Turnover	0.05	0.09	0	0.01	0.01
Short Term Liquidity
Current Ratio	29.22T	29.6T	22.09	111.42	15.06
Quick Ratio	28.55T	29.02T	14.04	42.18	12.6
Operating Cash Flow to Current Liabilities	34.77T	1.76T	2.7	-4.39	-6.87
Long Term Solvency
Total Debt/Equity	-	-	0.65	-	3.34
Total Debt / Total Capital	-	-	0.65	-	3.23
LT Debt/Equity	-	-	-	-	2.41
Long-Term Debt / Total Capital	-	-	-	-	2.33
Total Liabilities / Total Assets	0.01	0	0.7	3.95	7.5
Tier 1 Capital Ratio %	109.46	108.02	195.04	191.08	-
Total Capital Ratio %	113.11	111.86	195.04	191.09	104.26
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-16.65	-0.33	-71.91	3.46T	10.26
Gross Profit, 1 Yr. Growth %	-16.65	-0.33	-71.91	3.46T	10.26
Earnings From Cont. Operations, 1 Yr. Growth %	-46.48	36.55	-81.4	5.03T	0.5
Net Income, 1 Yr. Growth %	-46.48	36.55	-81.4	5.03T	0.5
Normalized Net Income, 1 Yr. Growth %	-32.77	35.73	-72.1	3.86T	-0.46
Diluted EPS Before Extra, 1 Yr. Growth %	-46.48	36.55	-81.4	-95.82	0.5
Common Equity, 1 Yr. Growth %	6.35	8.16	5.02T	21.93	-11.25
Total Assets, 1 Yr. Growth %	-56.77	8.15	5.06T	26.04	-7.84
Tangible Book Value, 1 Yr. Growth %	6.35	8.16	5.02T	21.97	-11.27
Cash From Operations, 1 Yr. Growth %	-166.02	-94.95	1.57T	-132.97	1.39T
Capital Expenditures, 1 Yr. Growth %	-	-	-	-	5.19T
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-27.67	-8.85	-47.09	216.35	526.76
Gross Profit, 2 Yr. CAGR %	-27.72	-8.85	-47.09	216.35	526.76
Earnings From Cont. Operations, 2 Yr. CAGR %	-44.65	-14.51	-49.61	209.01	618.35
Net Income, 2 Yr. CAGR %	-44.65	-14.51	-49.61	209.01	618.35
Normalized Net Income, 2 Yr. CAGR %	-40.56	-4.48	-38.47	232.54	528.16
Diluted EPS Before Extra, 2 Yr. CAGR %	-65.4	-14.51	-49.61	-91.19	-79.51
Common Equity, 2 Yr. CAGR %	9.86	7.25	644.36	690.33	4.03
Total Assets, 2 Yr. CAGR %	-29.11	-31.62	646.89	706.32	7.78
Tangible Book Value, 2 Yr. CAGR %	9.86	7.25	643.85	689.92	4.03
Cash From Operations, 2 Yr. CAGR %	791.16	-81.73	-8.12	134.67	121.52
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-6.39	-19.51	-38.43	115.27	122.63
Gross Profit, 3 Yr. CAGR %	-6.35	-19.55	-38.43	115.27	122.63
Earnings From Cont. Operations, 3 Yr. CAGR %	-20.15	-25.21	-48.59	135.37	112.51
Net Income, 3 Yr. CAGR %	-20.15	-25.21	-48.59	135.37	112.51
Normalized Net Income, 3 Yr. CAGR %	-14.73	-21.73	-36.62	146.67	122.45
Diluted EPS Before Extra, 3 Yr. CAGR %	-20.15	-45.32	-48.59	-78.03	-80.16
Common Equity, 3 Yr. CAGR %	-0.78	9.29	289.14	307.28	281.3
Total Assets, 3 Yr. CAGR %	-18.94	-18.4	188.91	312.74	291.31
Tangible Book Value, 3 Yr. CAGR %	-0.78	9.29	288.96	307.14	281.14
Cash From Operations, 3 Yr. CAGR %	141.32	58.93	-17.7	-34.71	334.36
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	8.34	-15.83	-25.49	39.16	55.76
Gross Profit, 5 Yr. CAGR %	-8.55	-15.82	-25.47	39.12	55.76
Earnings From Cont. Operations, 5 Yr. CAGR %	-16.37	-12.62	-33.58	31.92	47.63
Net Income, 5 Yr. CAGR %	-16.37	-12.62	-33.58	31.92	47.63
Normalized Net Income, 5 Yr. CAGR %	-15.07	-16.05	-25.16	39.6	58.63
Diluted EPS Before Extra, 5 Yr. CAGR %	-30.69	-12.63	-33.58	-73.65	-64.42
Common Equity, 5 Yr. CAGR %	7.38	6.24	122.17	141.14	129.57
Total Assets, 5 Yr. CAGR %	-15.67	-8.53	97.06	104	94.75
Tangible Book Value, 5 Yr. CAGR %	7.38	6.24	122.11	141.09	129.52
Cash From Operations, 5 Yr. CAGR %	21.49	-38.32	64	85.74	22.29