JS Bank Limited (JSBL) financial ratios

JS Bank Limited earned a net margin of 9.0% in FY2025 against a five-year average of 11.3% (Commercial Banks median 22.2%). Return on equity was 8.8%, compared with a sector median of 17.0%.

FY2025 vs the Commercial Banks median

Net margin: 9.0%; Sector median 22.2%
Return on equity (ROE): 8.8%; Sector median 17.0%
Return on assets (ROA): 0.5%; Sector median 1.2%
Debt to equity: 98.6%; Sector median 253.4%
Dividend payout ratio: 0.0%; Sector median 50.4%

Median of the 19 companies in the sector with the figure for their latest fiscal year.

JSBL financial ratios (annual) (Rs mn)
Rs mn	FY2025 * Jan – Dec 2025	FY2024 Jan – Dec 2024	FY2023 * Jan – Dec 2023	FY2022 Jan – Dec 2022	FY2021 Jan – Dec 2021	FY2020 Jan – Dec 2020	FY2019 Jan – Dec 2019	FY2018 * Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 * Jan – Dec 2013	FY2012 * Jan – Dec 2012	FY2011 * Jan – Dec 2011	FY2010 * Jan – Dec 2010	FY2009 Jan – Dec 2009	FY2008 Jan – Dec 2008	FY2007 Jan – Dec 2007
Profitability
Pre-tax margin	23.1%	35.0%	35.9%	11.2%	12.8%	12.5%	(0.8%)	9.0%	16.5%	33.0%	37.5%	33.4%	22.1%	25.8%	21.9%	(45.3%)	(136.9%)	10.1%	(9.2%)
Net margin	9.0%	15.2%	20.3%	5.3%	6.9%	6.4%	(2.3%)	5.4%	9.4%	21.1%	24.5%	24.5%	17.1%	18.3%	14.7%	(29.7%)	(56.2%)	5.0%	5.2%
Effective tax rate	60.9%	56.5%	43.3%	52.8%	46.1%	48.9%	—	40.3%	42.7%	36.2%	34.6%	26.7%	22.3%	29.2%	32.7%	—	—	50.8%	—
Returns
Return on equity (ROE)	8.8%	17.9%	25.7%	4.7%	5.2%	5.4%	(1.5%)	2.6%	5.1%	13.4%	14.9%	13.1%	5.1%	8.7%	5.4%	(7.1%)	(10.9%)	1.0%	—
Return on assets (ROA)	0.5%	1.0%	1.1%	0.2%	0.2%	0.2%	(0.1%)	0.1%	0.3%	1.0%	1.2%	1.3%	0.8%	1.2%	0.8%	(1.1%)	(2.2%)	0.3%	—
Leverage
Debt to equity	98.6%	162.1%	194.8%	489.0%	375.5%	277.8%	359.5%	583.7%	373.1%	80.3%	295.9%	320.5%	190.7%	86.0%	50.3%	101.0%	94.8%	12.6%	23.3%
Debt to capital	49.7%	61.9%	66.1%	83.0%	79.0%	73.5%	78.2%	85.4%	78.9%	44.5%	74.7%	76.2%	65.6%	46.2%	33.5%	50.2%	48.7%	11.2%	18.9%
Debt to assets	5.7%	9.2%	9.5%	18.3%	15.2%	11.9%	14.8%	23.4%	18.6%	5.8%	25.5%	28.9%	18.8%	11.2%	8.1%	15.0%	16.3%	3.1%	5.9%
Assets to equity	17.57×	18.93×	22.23×	25.69×	24.07×	23.82×	24.64×	22.43×	16.88×	12.70×	11.37×	10.69×	8.93×	7.02×	6.42×	6.29×	4.99×	4.01×	—
Dividends
Dividend payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	0.0%	0.0%
Earnings retention rate	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	1.00×	1.00×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

JSBL: frequently asked questions

What is JSBL's EPS?

JS Bank Limited reported basic earnings per share of Rs 2.84 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs 2.88.

What is JSBL's P/E ratio?

At the closing price of Rs 12.13 on 16 Oct 2026, JSBL trades at a P/E of 4.2× based on EPS of Rs 2.88 (TTM to Jun 2026).

Does JSBL pay dividends?

JS Bank Limited did not declare a cash dividend for FY2025.

What was JSBL's total income and profit in FY2025?

JS Bank Limited reported total income of Rs 83.7 bn and profit attributable to shareholders of Rs 5.8 bn for FY2025 (Jan – Dec 2025).

What is JSBL's book value per share?

JS Bank Limited's book value per share was Rs 33.36 at the end of FY2025. The shares trade at 0.35× book value.

Information only, not investment advice.