Posted on April 21, 2025, by Niftynews
The Jio Financial share price saw a modest gain of 1.5% in early morning trade on April 21, 2025, following the company’s Q4 FY25 results and the announcement of its first-ever dividend. Investors and market watchers are now wondering: is this the time to buy, hold, or sell this Reliance Group-backed NBFC?
Let’s break down the financials, stock movement, and expert analysis to help you make an informed decision.
📊 Jio Financial Q4 FY25 Results: Key Highlights
Jio Financial Services, a relatively new but increasingly prominent non-banking financial company (NBFC) under the Reliance umbrella, reported steady earnings growth for the quarter ended March 31, 2025.
Here are the key highlights:
- Net Profit: ₹316 crore (up 1.76% YoY)
- Quarter-on-Quarter Growth: 7% increase from ₹294.7 crore in Q3 FY25
- Net Interest Income (NII): ₹268.09 crore (down 4.5% YoY)
- Revenue from Operations: ₹493.24 crore (up 18% YoY)
- Pre-Provision Operating Profit: ₹374 crore (up 18% YoY)
- Assets Under Management (AUM): ₹10,053 crore (vs ₹173 crore last year)
While the net profit and operational revenue showed healthy growth, the decline in NII could be a watchpoint for investors moving forward.
💸 Jio Financial Dividend: First-Ever Payout
In a key development, Jio Financial declared its first-ever dividend of ₹0.50 per equity share (face value ₹10). While modest in size, the move signals the company’s confidence in its financial position and willingness to reward shareholders.
For long-term investors, this could mark the beginning of a dividend-paying trend, aligning the stock with the broader expectations of institutional and retail investors looking for stable, income-generating assets.
📈 Jio Financial Share Price Today: Market Reaction
The Jio Financial share price today hit a day’s high of ₹250.25, reflecting a 1.5% gain over the previous closing price of ₹246.45. As of 10:05 AM, the stock was trading at ₹247, slightly paring early gains but still in the green.
This marks the fifth consecutive session of gains for the stock, indicating bullish sentiment building around the company’s growth potential and strategic moves.
📉 Technical View: What the Charts Say
According to Anshul Jain, Head of Research at Lakshmishree Investment, the Jio Financial share price has broken out of a bullish rectangle pattern at ₹232—a classic technical breakout signal.
“The breakout sets up a strong move toward the pattern target of ₹298. Interim resistance may come at ₹262, but the stock is building a solid base for new highs,” says Jain.
Short-term target: ₹298
Interim resistance: ₹262
Support level: ₹232
Technical indicators show that momentum remains intact, and unless key support is breached, the stock could climb further in the near term.
🧠 Should You Buy, Hold, or Sell Jio Financial Shares?
✅ Buy, if you are:
- A growth-oriented investor who believes in the long-term potential of digital finance and Reliance’s NBFC vision.
- Looking to enter before a breakout toward ₹298, as suggested by technical analysts.
- Interested in early dividend-yielding NBFCs with expansion potential.
🤝 Hold, if you are:
- Already invested and waiting to see stronger NII performance or better dividend policies.
- Monitoring resistance levels like ₹262 to determine the next move.
❌ Sell, if you are:
- A short-term trader aiming to lock in recent gains after a 5-day rally.
- Concerned by NII contraction despite rising profit and revenue.
🚀 Growth Outlook: AUM, Group Strategy & Infusion
One of the most remarkable aspects of the Q4 update is the massive growth in Assets Under Management, rising to ₹10,053 crore from just ₹173 crore a year ago. That’s a staggering expansion, hinting at aggressive scaling by the company.
Additionally, Jio Financial infused ₹1,346 crore in equity into group companies during FY25, highlighting its role in driving Reliance’s broader fintech and lending ambitions.
As Reliance continues to build its digital and financial services ecosystem, Jio Financial is expected to play a crucial role in lending, payments, and possibly embedded finance solutions.
📢 Final Thoughts on Jio Financial Share Price
The latest Q4 results and dividend announcement have added momentum to the Jio Financial share price, with technicals and fundamentals aligning for potential upside. However, some caution may be warranted due to the NII drop, especially for short-term traders.
For medium to long-term investors, this may be the beginning of a more mature phase for the stock—one with consistent earnings, dividends, and growth from Reliance’s massive distribution engine.
