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Jio Financial Services
FREE MULTIBAGGER
You can Freely distribute this report
For latest Paid Multibaggers visit Futurecaps.com
May 2024 NSE: JIOFIN BSE: 543940
CMP: ₹ 356.00 BUY BELOW: 400.00
ABOUT
JFSL is a NBFC registered with RBI. The company is a holding company and
will operate its financial services business through its consumer-facing
subsidiaries namely Jio Finance Limited (JFL), Jio Insurance Broking Limited
(JIBL), and Jio Payment Solutions Limited (JPSL) and joint venture namely Jio
Payments Bank Limited (JPBL).Jio Financial Serv. Mr. Kundapur Vaman
Kamath is the current Independent Director and Non-executive chairman. Ms.
Isha M. Ambani is the current Non-Executive Director.
Jio Finance headquartered in Mumbai. Company have branches in many
parts of India. Financial Services Ltd. is the holding company for Jio Finance
Ltd., Jio Insurance Broking Ltd., Jio Payments Bank, Jio Payment Solutions
Ltd., Reliance Industrial.
VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
POSITIVES to become a multibagger
• JIOFIN plans to democratize financial services for
1.42 Bn Indians, giving them access to simple,
affordable, innovative, and intuitive products and
services.
• JIOFIN to get all the required approvals and
licenses in next 6 months which will help to ramp
up the businesses faster.
• Brand & Reputation of Mukesh Ambani led
Reliance wing creating monopoly & strategic
partnerships evident in the success of Reliance
Industries, Jio Telecom, Jio Mart etc.
Contd..
• Lending business to see an AUM of
around INR 46.0 Bn considering the
expected industry AUM of INR 38,000 Bn
in FY24.
• The AI and Analytics-driven businesses
will create an enriched customer profiles
for its tailored offerings.
• JIOFIN has no debt compared to 5 years
ago when its debt to equity ratio was
137%.
Contd..
• The increased use of mobile apps and push
towards UPI-based payments will enable
JIOFIN to witness robust traction in volumes
given the strong customer base of the parent
group, which has above 450 Mn telecom
subscribers as well as ~250 Mn retail
customers as of FY23.
• JIOFIN plans to primarily target key customer
segments – unserved and underserved individuals
and small-sized businesses in urban, semi-urban,
and rural India to offer a sustainable, and
comprehensive range of financial services.
Contd..
• Jio Financial Services has been growing
earnings at an average annual rate of 63.5%,
while the Diversified Financial industry saw
earnings growing at 19.3% annually.
Revenues have been growing at an average
rate of 63.3% per year.
• Jio Financial Services has high it has net
margins of 87.1% are higher than last year
(60.5%).
• JIOFIN has high quality earnings & growth
over the past year (5034.6%) exceeded the
Diversified Financial industry 15%.
Contd..
• JIOFIN plans to offer simple transparent financial
services products catering to rapidly evolving
customer needs.
• JIOFIN's earnings growth over the past year
(5034.6%) exceeds its 5-year average (63.5% per
year).
• JIOFIN has become profitable over the past 5 years,
growing earnings by 63.5% per year.
Contd..
• Its insurance broking business offers insurance led
solutions to the walk-in customers at retail store
outlets servicing them both digitally and with
dedicated sales associates and trained staff.
• Considering the rise of digital payments in the
country, Jio Financial is offering personal and
consumer durable loans through online channels.
This would be disruptive path in the financial
segment.
Contd..
• Under its Jio Finance Merchant Trade Credit
Facility, the company offers credit line for
registered merchants of JioMart Partner – B2B
Wholesale. It provides unsecured credit to finance
inventory purchases.
• JIOFIN has launched an end-to-end digital journey
by offering personal loans for salaried and self-
employed individuals
• Facebook (Meta) invested $5.7 billion into JIOFIN
increases the credibility & confidence in business
growth.
Contd..
• Jio Finance Ltd. will leverage best-in-class
technology with no legacy book or technology.
• In July 2023, JIOFIN has announced a joint
venture with its partner BlackRock and has
committed an initial investment of up to USD 150
Mn each towards this joint venture.
• JIOFIN will also continue to offer insurance
products through its insurance broking business to
meet the needs of consumers and merchants.
Negatives
• Any delay in getting business licenses will have an
impact on the overall business operations.
• The high valuation of the Company may be impacted
by various factors such as complex structure, lack of
control, dividend taxation, etc., leading to potential
variations in the Holdco discount provided to JIOFIN
as an investment holding company.
• JIOFIN’s ROCE & ROI are lower than 1.5 which is
very much below industry standards.
• JIOFIN is expensive based on its PE Ratio at 140
compared to the Indian Diversified Financial industry
average 24.
Negatives
• JIOFIN operates in various business verticals through
its subsidiaries joint venture and associates, and its
inability to effectively manage its diversified
operations may have an adverse effect on its
business.
• JIOFIN may be considered as part of the RIL group
for the purpose of the large exposure framework
applicable to commercial banks, as stipulated by the
RBI. Its borrowings will also be counted towards
exposure to the group including RIL and its
subsidiaries, which limits its ability to avail debt
funding from scheduled commercial banks which may
adversely affectits business.
.
VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
Profit & Loss
Mar-23 Mar-24
Sales 45 1,854
Expenses 6 296
Operating Profit 39 1,558
OPM % 88% 84%
Other Income 10 429
Interest 0 10
Depreciation 0 22
Profit before tax 49 1,956
Tax % 37% 18%
Net Profit 31 1,605
WARREN BUFFETT
CHECKLIST
Type Value
ECONOMIC MOAT Good
GROWTH Good
VALUATION High
DEBT Good
INTEGRITY Good
VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
MULTIBAGGER
The company has the potential to become multibagger in the order of 500-2500% in
5-10 year term.
BUYING STRATEGY
70% on current price levels, Remaining on 30% correction levels
[Conservative Investors can Buy 50% then remaining on 30% correction levels]
HOLDING PERIOD
5 Years
[We are into LONG TERM INVESTING and Investor should not expect quick up
movements in price. Incremental Investing is advised & Any corrections should be
considered as Opportunity to add more – Remember our focus should be the 500%
Future returns – so any price correction investments will zoom the returns
You can Freely distribute this report
MANDATORY DISCLAIMER
Futurecaps is the website registered as a Research Analyst with SEBI (INH200006956) offering investment advisory services to clients
as well as prospects. The Research Analyst (not a corporate body) for this report certifies that all of the views expressed in this report
accurately reflect his or her personal views about the subject company or companies and its or their securities, and no part of his or her
compensation was, is or will be, directly or indirectly related to the recommendations or views expressed in this report. Other
disclosures by Research Analyst with reference to the subject company(s) covered in this report-:
Whether Research Analyst does have any financial interest in the subject company: (NO)
Whether Research Analyst relatives have financial interest in the subject company: (NO)
Research Analyst or his/her relative’s does have any material conflict of interest in the subject company: (NO)
Research Analyst or his/her relatives have actual/beneficial ownership of 1% or more securities of the subject company at the end of the
month immediately preceding the date of publication of Research Report: (NO)
Research Analyst has served as officer, director or employee of the subject company: (NO)
This report is not for public distribution and has been furnished to you solely for your information and must not be reproduced or
redistributed to any other person. This report is created from Public Source of Information available through Internet from Company
website & Other websites & the Research Analyst does not guarantee the Validation of Content in this report. This report is not to be
construed as an offer to sell or the solicitation of an offer to buy any security in any jurisdiction where such an offer or solicitation would
be illegal. It is for the general information for the Subscribers of Futurecaps. While reasonable care has been taken in the preparation of
this report, it does not purport to be a complete description of the securities, markets or developments referred to herein, and we do not
warrant its accuracy or completeness. Futurecaps Research Analyst or representatives do not take any responsibility, financial or
otherwise, of the losses or the damages sustained due to the investments made or any action taken on basis of this report.
Compliance Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before
investing.
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, and certification from NISM
in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Logos & Pictures are copyright of respective company owners.
You can Freely distribute this report
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Jio Financial service Multibagger 2024 from India stock Market

  • 1. Jio Financial Services FREE MULTIBAGGER You can Freely distribute this report For latest Paid Multibaggers visit Futurecaps.com May 2024 NSE: JIOFIN BSE: 543940 CMP: ₹ 356.00 BUY BELOW: 400.00
  • 2. ABOUT JFSL is a NBFC registered with RBI. The company is a holding company and will operate its financial services business through its consumer-facing subsidiaries namely Jio Finance Limited (JFL), Jio Insurance Broking Limited (JIBL), and Jio Payment Solutions Limited (JPSL) and joint venture namely Jio Payments Bank Limited (JPBL).Jio Financial Serv. Mr. Kundapur Vaman Kamath is the current Independent Director and Non-executive chairman. Ms. Isha M. Ambani is the current Non-Executive Director. Jio Finance headquartered in Mumbai. Company have branches in many parts of India. Financial Services Ltd. is the holding company for Jio Finance Ltd., Jio Insurance Broking Ltd., Jio Payments Bank, Jio Payment Solutions Ltd., Reliance Industrial. VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
  • 3. POSITIVES to become a multibagger • JIOFIN plans to democratize financial services for 1.42 Bn Indians, giving them access to simple, affordable, innovative, and intuitive products and services. • JIOFIN to get all the required approvals and licenses in next 6 months which will help to ramp up the businesses faster. • Brand & Reputation of Mukesh Ambani led Reliance wing creating monopoly & strategic partnerships evident in the success of Reliance Industries, Jio Telecom, Jio Mart etc.
  • 4. Contd.. • Lending business to see an AUM of around INR 46.0 Bn considering the expected industry AUM of INR 38,000 Bn in FY24. • The AI and Analytics-driven businesses will create an enriched customer profiles for its tailored offerings. • JIOFIN has no debt compared to 5 years ago when its debt to equity ratio was 137%.
  • 5. Contd.. • The increased use of mobile apps and push towards UPI-based payments will enable JIOFIN to witness robust traction in volumes given the strong customer base of the parent group, which has above 450 Mn telecom subscribers as well as ~250 Mn retail customers as of FY23. • JIOFIN plans to primarily target key customer segments – unserved and underserved individuals and small-sized businesses in urban, semi-urban, and rural India to offer a sustainable, and comprehensive range of financial services.
  • 6. Contd.. • Jio Financial Services has been growing earnings at an average annual rate of 63.5%, while the Diversified Financial industry saw earnings growing at 19.3% annually. Revenues have been growing at an average rate of 63.3% per year. • Jio Financial Services has high it has net margins of 87.1% are higher than last year (60.5%). • JIOFIN has high quality earnings & growth over the past year (5034.6%) exceeded the Diversified Financial industry 15%.
  • 7. Contd.. • JIOFIN plans to offer simple transparent financial services products catering to rapidly evolving customer needs. • JIOFIN's earnings growth over the past year (5034.6%) exceeds its 5-year average (63.5% per year). • JIOFIN has become profitable over the past 5 years, growing earnings by 63.5% per year.
  • 8.
  • 9. Contd.. • Its insurance broking business offers insurance led solutions to the walk-in customers at retail store outlets servicing them both digitally and with dedicated sales associates and trained staff. • Considering the rise of digital payments in the country, Jio Financial is offering personal and consumer durable loans through online channels. This would be disruptive path in the financial segment.
  • 10. Contd.. • Under its Jio Finance Merchant Trade Credit Facility, the company offers credit line for registered merchants of JioMart Partner – B2B Wholesale. It provides unsecured credit to finance inventory purchases. • JIOFIN has launched an end-to-end digital journey by offering personal loans for salaried and self- employed individuals • Facebook (Meta) invested $5.7 billion into JIOFIN increases the credibility & confidence in business growth.
  • 11. Contd.. • Jio Finance Ltd. will leverage best-in-class technology with no legacy book or technology. • In July 2023, JIOFIN has announced a joint venture with its partner BlackRock and has committed an initial investment of up to USD 150 Mn each towards this joint venture. • JIOFIN will also continue to offer insurance products through its insurance broking business to meet the needs of consumers and merchants.
  • 12.
  • 13. Negatives • Any delay in getting business licenses will have an impact on the overall business operations. • The high valuation of the Company may be impacted by various factors such as complex structure, lack of control, dividend taxation, etc., leading to potential variations in the Holdco discount provided to JIOFIN as an investment holding company. • JIOFIN’s ROCE & ROI are lower than 1.5 which is very much below industry standards. • JIOFIN is expensive based on its PE Ratio at 140 compared to the Indian Diversified Financial industry average 24.
  • 14. Negatives • JIOFIN operates in various business verticals through its subsidiaries joint venture and associates, and its inability to effectively manage its diversified operations may have an adverse effect on its business. • JIOFIN may be considered as part of the RIL group for the purpose of the large exposure framework applicable to commercial banks, as stipulated by the RBI. Its borrowings will also be counted towards exposure to the group including RIL and its subsidiaries, which limits its ability to avail debt funding from scheduled commercial banks which may adversely affectits business. . VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
  • 15. Profit & Loss Mar-23 Mar-24 Sales 45 1,854 Expenses 6 296 Operating Profit 39 1,558 OPM % 88% 84% Other Income 10 429 Interest 0 10 Depreciation 0 22 Profit before tax 49 1,956 Tax % 37% 18% Net Profit 31 1,605
  • 16. WARREN BUFFETT CHECKLIST Type Value ECONOMIC MOAT Good GROWTH Good VALUATION High DEBT Good INTEGRITY Good VISIT https://futurecaps.com for paid multibagger plans. We created 80X Multibagger Bajaj Finance, 40X Cera, 20X Tata Elxsi etc.
  • 17. MULTIBAGGER The company has the potential to become multibagger in the order of 500-2500% in 5-10 year term. BUYING STRATEGY 70% on current price levels, Remaining on 30% correction levels [Conservative Investors can Buy 50% then remaining on 30% correction levels] HOLDING PERIOD 5 Years [We are into LONG TERM INVESTING and Investor should not expect quick up movements in price. Incremental Investing is advised & Any corrections should be considered as Opportunity to add more – Remember our focus should be the 500% Future returns – so any price correction investments will zoom the returns You can Freely distribute this report
  • 18. MANDATORY DISCLAIMER Futurecaps is the website registered as a Research Analyst with SEBI (INH200006956) offering investment advisory services to clients as well as prospects. The Research Analyst (not a corporate body) for this report certifies that all of the views expressed in this report accurately reflect his or her personal views about the subject company or companies and its or their securities, and no part of his or her compensation was, is or will be, directly or indirectly related to the recommendations or views expressed in this report. Other disclosures by Research Analyst with reference to the subject company(s) covered in this report-: Whether Research Analyst does have any financial interest in the subject company: (NO) Whether Research Analyst relatives have financial interest in the subject company: (NO) Research Analyst or his/her relative’s does have any material conflict of interest in the subject company: (NO) Research Analyst or his/her relatives have actual/beneficial ownership of 1% or more securities of the subject company at the end of the month immediately preceding the date of publication of Research Report: (NO) Research Analyst has served as officer, director or employee of the subject company: (NO) This report is not for public distribution and has been furnished to you solely for your information and must not be reproduced or redistributed to any other person. This report is created from Public Source of Information available through Internet from Company website & Other websites & the Research Analyst does not guarantee the Validation of Content in this report. This report is not to be construed as an offer to sell or the solicitation of an offer to buy any security in any jurisdiction where such an offer or solicitation would be illegal. It is for the general information for the Subscribers of Futurecaps. While reasonable care has been taken in the preparation of this report, it does not purport to be a complete description of the securities, markets or developments referred to herein, and we do not warrant its accuracy or completeness. Futurecaps Research Analyst or representatives do not take any responsibility, financial or otherwise, of the losses or the damages sustained due to the investments made or any action taken on basis of this report. Compliance Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing. Investment in securities market are subject to market risks. Read all the related documents carefully before investing. The securities quoted are for illustration only and are not recommendatory. Registration granted by SEBI, and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Logos & Pictures are copyright of respective company owners. You can Freely distribute this report
  • 19. MULTIBAGGER PLAN SUBSCRIBE TO PAID MULTIBAGGER PLAN @50% DISCOUNT You will get 3 SUPER MULTIBAGGERS immediately 80X Return s from Bajaj Financ e 40X Return s from Cera
  • 20. You can Freely distribute this report – Help a needy investor!