Jio Financial Services Limited
Financial trend (100/100) does the heavy lifting; valuation (17/100) is the drag.
ExpensiveOvervaluedOur blended model reads Jio Financial Services Limited as a Hold at 45/100. At ₹256.46 it trades above our blended DCF and relative-multiples fair value of ₹128.23, about 50% downside to that estimate — we read it as overvalued by 50%. On 73.6x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 23% below its 52-week high of ₹333.38 and 14% above the low of ₹224.1. Financial health scores 100/100, with a Piotroski F-score of 2/9. The average analyst target of ₹295.33 implies about 15% upside across 3 analysts. It clears 5 of 10 investability checks, with durability 97, valuation 34 and momentum 46 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹102.58.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-23.07% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- No data: ROE above 15%
- Pass: Low debt (D/E < 0.5): 0.16x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 208%
- Pass: Earnings growing: 170%
- Pass: Net margin ≥ 10%: 55.0%
- No data: Current ratio > 1.5
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter50.2%
- Institutions19.3%
- Public & other30.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
- Healthy profit margin (55.0%).
Opportunities
- Earnings growing (170% YoY).
- Revenue growing (208% YoY).
Bear case
Weaknesses
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
Threats
- Trades ~50% above our estimated fair value.
About Jio Financial Services Limited
Jio Financial Services Limited operates through subsidiaries providing investment, financing, insurance broking, payment bank, payment aggregator, and payment gateway services in India. It offers loans, savings accounts, digital insurance, digital banking, unified payments interface transactions, bill payments, insurance advisory, asset and wealth management, and broking services.
Jio Financial Services Limited — frequently asked questions
Is Jio Financial Services Limited a buy, hold or sell?
StocksWizard currently rates Jio Financial Services Limited (JIOFIN) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Jio Financial Services Limited's fair value?
Our blended DCF and relative-valuation model estimates Jio Financial Services Limited's fair value at about ₹128.23, versus a current price of ₹256.46 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Jio Financial Services Limited financially healthy?
Jio Financial Services Limited scores 100/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Jio Financial Services Limited's share price performed?
Jio Financial Services Limited is up 3% over three months, and last traded at ₹256.46. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.