JIO FINANCIAL Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 643 Crs., 133% growth YoY, Net Interest Income is Rs. 344 Crs., 28.47% growth YoY, Total Income is Rs. 1,020 Crs., 96.71% growth YoY, But Pre-Provisioning Operating Profit is Rs. 327 Crs., 12.45% Negative growth YoY, PBT is Rs. 339 Crs., 14.47% Negative growth YoY, Net profit is Rs. 272 Crs., 13.88% growth YoY. On QoQ basis Interest Earned has achieved 27.44% growth, Net Interest Income has grown by 18%, Total Income has growth of 13.17%, But Pre-Provisioning Operating Profit has grown negatively by 7.52%, PBT grown negatively by 8.77%, PAT is grown flat by1.2%. PPOP impacted by: •Consolidation of JPBL’s operating loss as a 100% subsidiary w.e.f. June 18, 2025, which was earlier accounted for in Share of Profit from JVs & Associates •Continued investments in scaling growth companies and incubating businesses in nascent stages •Geopolitics-led volatility impacted treasury income on a higher capital base.