FINANCIAL SERVICES · NSE/BSE: JIOFIN

Jio Financial Services Limited Earnings Summary — Q2 FY2027

Sentiment: Negative

AI-generated summary

Generated 2026-10-22

Business Intelligence Report

Jio Financial Services Limited Q2 FY2027 results: Profit down -51.0% YoY; revenue grew +73.2% YoY; OPM 63.5%.

Quarterly Business Intelligence

Q2 FY2027

Financials from Financial Intelligence · data as of 2026-09-30

Revenue

₹1,699 Cr

QoQ -15.2%YoY +73.2%

Net Profit

₹340 Cr

QoQ -59.0%YoY -51.0%

Operating Profit

₹1,078 Cr

QoQ -22.8%YoY +56.6%

Operating Margin

63.5%

QoQ -625 bpsYoY -669 bps

AI Quarterly Scorecard™

/ 100

Moderate

Revenue Momentum67

Profit Growth19

Margin Expansion33

Growth Consistency100

Operating Efficiency36

Financial Stability31

Computed deterministically from the last 10 reported quarters.

Quarterly Business Momentum

Revenue & Growth

Revenue declined 15.2% sequentially in Q2 FY2027.
Revenue of ₹1,699 Cr is 73.2% higher year-on-year.
Revenue has compounded at 86.5% annualised over the last 10 quarters.

Profitability

Net profit of ₹340 Cr is 51.0% below the same quarter last year.
Profit growth is trailing revenue growth this quarter.
Net profit has compounded at 3.9% annualised across the period.

Margins

Operating margin stands at 63.5% in Q2 FY2027.
Operating margin compressed by 669 bps year-on-year.
Over the last two years operating margin has contracted by 1629 bps.
PBT margin is 28.8%.

Operating Efficiency

Expenses grew 112.0% against revenue growth of 73.2%.
Operating profit of ₹1,078 Cr is 56.6% higher year-on-year.
Operating leverage has been under pressure recently.

Overall Momentum

6 of the last 6 measured quarters delivered year-on-year revenue growth.
Overall quarterly business momentum scores 48/100 (Moderate) on the latest 10 quarters.
Business momentum has softened and warrants monitoring.

Quarterly Financials

Last 10 Reported Quarters • All figures in ₹ Crore • Margins in %

Metric	Trend	Latest Q2 FY2027	Q1 FY2027	Q4 FY2026	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025
Revenue	Improving	1,699	2,004	1,019	901	981	612	493	438	694	418
Expenses	Strong Uptrend	621	607	414	346	293	156	155	125	140	74
Operating Profit	Volatile	1,078	1,397	605	555	688	457	338	313	553	344
Operating Margin	Stable	63.5%	69.7%	59.4%	61.6%	70.2%	74.6%	68.5%	71.5%	79.8%	82.3%
Other Income	Volatile	0	0	40	36	238	67	71	70	226	62
Interest	Strong Uptrend	578	418	298	212	136	99	8	—	—	—
Depreciation	Improving	11	9	8	8	8	6	6	6	6	5
Profit Before Tax	Volatile	489	970	339	371	783	419	396	377	773	400
Tax	Accelerating	149	139	66	102	88	94	80	82	84	88
Net Profit	Volatile	340	830	272	269	695	325	316	295	689	313
Net Margin	Softening	20.0%	41.4%	26.7%	29.9%	70.8%	53.0%	64.1%	67.3%	99.4%	74.8%

Source: Financial Intelligence (Structured Quarterly Data)•Latest Quarter: Q2 FY2027•Figures in ₹ Crore • Margins in %•Automatically updated from Financial Intelligence · 2026-09-30

Key Takeaways

Profit down -51.0% YoY; revenue grew +73.2% YoY; OPM 63.5%.

Official Quarterly Documents

Earnings Press Release

Official quarterly earnings release published by the company.

Press Release not available.

Earnings Call Transcript

Management discussion and analyst Q&A.

This summary is AI-generated from Jio Financial Services Limited's latest quarterly filing and earnings call. For informational purposes only — not investment advice.