JIOFINJio Financial Services Limited Forensic Risk Analysis

Investment Company
Risk ClassWatch
Market Cap₹1,46,090 Cr
Primary DriverEarnings Quality
Flagium AI Risk Score
Early signs of stress detected. Not yet widespread, but initial deterioration is visible.
20 / 100
0 QoQ
Stable
Sentinel Insight

Financial profile remains stable for now. Pressure has stabilized in profitability and earnings quality. This suggests the risk profile is currently stabilizing. No major change in risk trend.

100.0th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹237.64▲1.14%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality
+20.0 pts
Final Composite Risk20 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 20 over 12 quarters.

Expected Direction
⚠ Watch
Primary Deterioration Drivers
  • NIM Compression
  • Operating Leverage Stress
What to Watch Next Quarter
  • Operating profit margins
  • Debt growth

Active Risk Objects (2)

CriticalHigh
NIM Compression
📊 Earnings QualityQuarterlyActive for 8 Qtrs
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
JIOFIN: NIM compressed by 343 bps YoY (to 8.80%). [Growth Adjusted: 155%]

"NIM is under severe pressure due to rising cost of funds or falling asset yields."

Operating Leverage Stress
📉 Trend DeteriorationAnnualActive for 5 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"The balance sheet is heavily over-leveraged. Interest payments are consuming most of the profit."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)1.824.02✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+46.0+56.0📈 CRITICAL
Forensic Benchmark Context: Investment Company (n=27 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹237.64(+1.14%)
1M Divergence-2.82%
1 Week-1.26%
1 Month-3.54%
6 Months-21.38%
1 Year-16.91%
2 Year-30.88%
3 Year+1.93%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The risk profile is Early Signals and currently consolidating. Recent structural triggers in earnings quality suggest a building pressure on the underlying framework. Material forensic traces are visible in operational margins and profitability metrics, indicating a progressive erosion of structural stability. Continued monitoring is necessary as risk levels remain above institutional safety parameters.

JIOFIN • MARKET STRUCTURE

Stage 4 — Declining

The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.

Stage Transition Prob.0%
Trend QualityDeteriorating
Phase Progression
Phase Progression Score0%
Readiness LabelLow (Early Base Consolidation)
Probability of Advancing0%
CoinTree Momentum
Composite Z-Score-0.5536σ
Weakening momentum trend
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#2146 of 2716
Top 79.01% in momentum strength
Timeframe Sparklines
1W-1.3%
1M-3.5%
6M-21.4%
Weinstein Indicators
150 DMA₹268.13
200 DMA₹279.3
150 DMA Slope-3.2027%Declining
Relative Strength-15.89%Lagging
Relative Turnover (RTR)1.3843
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company shows higher risk compared to the Sector Mean (10).
ABCAPITALAditya Birla Capital Limited
14 Risk
Sector %ile73th
Delta0
Active Flags10
Accel+0
Earnings Quality

Stable

JIOFINJio Financial Services Limited
20 Risk
Sector %ile100th
Delta0
Active Flags2
Accel+0
Earnings Quality

Watch

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
00th %ile
VS Sector Median (8.5)
Competitive Position
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY20263,5431,561-15,43921,768
FY20252,0791,613-10,0833,970
FY20241,8551,605-6780