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Consolidated Standalone
Market Cap ₹15350 Cr.
Stock P/E 9.1
P/B 1.5
Current Price ₹139.4
Book Value ₹ 95.3
Face Value 1
52W High ₹152.5
Dividend Yield 0.36%
52W Low ₹ 44.6
Edit Ratio
J&K Bank Research see more...
Overview Inc. Year: 1938Industry: Bank - Private
Jammu and Kashmir Bank Ltd is engaged inside the banking enterprise. The Bank offers various services and products, inclusive of loans, personal accounts, term deposits, insurance, cards, commercial enterprise debts, agriculture loans, mutual funds and non-resident banking. Its business segments consist of Treasury, Corporate/wholesale banking, Retail banking and different banking operations. It provides loans, along with housing loan, educational finance, commercial vehicle finance, consumer loan and agricultural term loan. It offers savings and deposits, which include Salary Accounts, Small Account and Fixed Deposit Schemes. It additionally provides non-resident banking services, consisting of Non-Resident External (NRE) Rupee Deposits and Non-Resident Ordinary (NRO) Rupee Deposits. It operates thru over 955 branches, which consist of about 174 metro branches, over 109 city branches, approximately 159 semi-city branches and 513 rural branches, spread over 18 states and four union territories.
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Quarterly Price
Quarterly Monthly
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Peer Comparison
J&K Bank Quarterly Results
#(Fig in Cr.) | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 |
---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 1990 | 2020 | 2012 | 2103 | 2299 | 2441 | 2512 | 2657 | 2764 | 2881 |
Other Income | 213 | 159 | 199 | 205 | 148 | 244 | 168 | 230 | 193 | 186 |
Total Income | 2203 | 2179 | 2212 | 2308 | 2447 | 2685 | 2681 | 2888 | 2957 | 3067 |
Interest Expense | 1017 | 1026 | 1037 | 1069 | 1095 | 1183 | 1262 | 1374 | 1430 | 1600 |
Operating Expenditure | 858 | 836 | 856 | 857 | 869 | 957 | 968 | 986 | 992 | 915 |
Provisions and contingencies | 193 | 8 | -56 | 145 | 77 | 27 | -175 | 77 | -10 | -9 |
Operating Profit | 136 | 308 | 375 | 236 | 407 | 518 | 625 | 452 | 545 | 561 |
Profit Before Tax | 136 | 308 | 120 | 236 | 407 | 518 | 625 | 452 | 545 | 561 |
Provision for Tax | 24 | 133 | 7 | 70 | 163 | 206 | 149 | 125 | 164 | 139 |
Profit After Tax | 112 | 175 | 113 | 166 | 244 | 312 | 477 | 327 | 382 | 422 |
Adjustments | -4 | -6 | 6 | -5 | -4 | -5 | -4 | 5 | 2 | 1 |
Profit After Adjustments | 107 | 169 | 119 | 161 | 240 | 307 | 473 | 331 | 384 | 423 |
Adjusted Earnings Per Share | 1.2 | 1.8 | 1.3 | 1.7 | 2.5 | 3.2 | 4.6 | 3.2 | 3.7 | 3.8 |
J&K Bank Profit & Loss
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest Earned | 6137 | 6767 | 7061 | 6844 | 6686 | 6621 | 7676 | 8446 | 8111 | 8013 | 9355 | 10814 |
Other Income | 485 | 393 | 599 | 509 | 497 | 501 | 817 | 509 | 701 | 753 | 765 | 777 |
Total Income | 6622 | 7160 | 7660 | 7352 | 7183 | 7122 | 8493 | 8955 | 8813 | 8766 | 10120 | 11593 |
Interest Expense | 3820 | 4082 | 4409 | 4132 | 4173 | 3750 | 4291 | 4739 | 4340 | 4101 | 4609 | 5666 |
Operating Expenditure | 992 | 1181 | 1416 | 1554 | 1716 | 1990 | 2485 | 2735 | 2884 | 3599 | 3651 | 3861 |
Provisions and contingencies | 284 | 147 | 1015 | 976 | 2800 | 1261 | 1058 | 2625 | 1052 | 321 | 75 | -117 |
Operating Profit | 1526 | 1750 | 820 | 689 | -1507 | 121 | 659 | -1144 | 537 | 746 | 1786 | 2183 |
Profit Before Tax | 1526 | 1750 | 820 | 689 | -1507 | 121 | 659 | -1144 | 537 | 746 | 1786 | 2183 |
Provision for Tax | 471 | 569 | 312 | 276 | 126 | -82 | 195 | 39 | 102 | 241 | 587 | 577 |
Profit After Tax | 1055 | 1181 | 508 | 414 | -1633 | 203 | 464 | -1183 | 435 | 504 | 1199 | 1608 |
Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6 | -10 | -18 | 4 |
Profit After Adjustments | 1055 | 1181 | 508 | 414 | -1633 | 203 | 464 | -1183 | 428 | 495 | 1181 | 1611 |
Adjusted Earnings Per Share | 21.8 | 2.4 | 10.5 | 8.5 | -31.3 | 3.6 | 8.3 | -16.6 | 6 | 5.3 | 11.4 | 15.3 |
Growth Rates
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Sales CAGR | 17% | 3% | 7% | 4% |
Operating Profit CAGR | 139% | 0% | 71% | 2% |
PAT CAGR | 138% | 0% | 43% | 1% |
# | 1 Year | 3 Year | 5 Year | 10 Year |
---|---|---|---|---|
Share Price CAGR | 188% | 69% | 29% | 0% |
ROE Average | 15% | 10% | 4% | 5% |
ROCE Average | 18% | 12% | 7% | 9% |
J&K Bank Balance Sheet
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Shareholder's Funds | 4865 | 5722 | 6108 | 6421 | 5673 | 6158 | 6622 | 6346 | 6802 | 8077 | 9896 |
Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deposits | 64212 | 69328 | 65736 | 69379 | 72459 | 80005 | 89637 | 97786 | 108047 | 114703 | 122027 |
Borrowings | 1075 | 1765 | 2340 | 2240 | 1276 | 1628 | 2624 | 2020 | 2015 | 2371 | 2892 |
Other Liabilities & Provisions | 1583 | 1797 | 1726 | 2214 | 2604 | 1894 | 2522 | 2678 | 3408 | 5425 | 11097 |
Total Liabilities | 71734 | 78613 | 75910 | 80254 | 82012 | 89684 | 101405 | 108829 | 120273 | 130576 | 145913 |
Cash and balance with RBI | 2695 | 3046 | 2373 | 3127 | 3591 | 4328 | 4875 | 2947 | 3685 | 7750 | 7794 |
Bank Balance | 2709 | 1170 | 1362 | 77 | 1802 | 3932 | 997 | 6845 | 5818 | 1042 | 1105 |
Investments | 25731 | 26185 | 22740 | 20334 | 21271 | 18860 | 23141 | 22990 | 30774 | 33785 | 34780 |
Advances | 39200 | 46385 | 44586 | 50193 | 49816 | 56913 | 66272 | 64399 | 66842 | 70393 | 82278 |
Fixed Assets | 444 | 508 | 655 | 706 | 1479 | 1598 | 1646 | 2036 | 1971 | 1908 | 2224 |
Other Assets | 942 | 1292 | 4160 | 5758 | 3989 | 4037 | 4445 | 9576 | 11141 | 15652 | 17684 |
Total Assets | 71734 | 78613 | 75910 | 80254 | 82012 | 89684 | 101405 | 108829 | 120273 | 130576 | 145913 |
J&K Bank Cash Flow
#(Fig in Cr.) | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Opening Cash & Cash Equivalents | 4454 | 5404 | 4216 | 3735 | 3204 | 5393 | 8260 | 5872 | 9793 | 9504 | 8792 |
Cash Flow from Operating Activities | 1280 | -683 | 118 | -219 | 2457 | 2363 | -2992 | 4374 | -14 | -1568 | -407 |
Cash Flow from Investing Activities | -86 | -169 | -261 | -136 | -861 | -164 | -165 | -115 | -76 | -85 | -124 |
Cash Flow from Financing Activities | -243 | -338 | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 |
Net Cash Inflow / Outflow | 951 | -1189 | -480 | -531 | 2189 | 2867 | -2388 | 3920 | -289 | -712 | 107 |
Closing Cash & Cash Equivalent | 5404 | 4216 | 3735 | 3204 | 5393 | 8260 | 5872 | 9793 | 9504 | 8792 | 8899 |
J&K Bank Ratios
# | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
---|---|---|---|---|---|---|---|---|---|---|---|
Earnings Per Share (Rs) | 21.76 | 2.44 | 10.49 | 8.54 | -31.32 | 3.64 | 8.33 | -16.59 | 6.01 | 5.3 | 11.44 |
CEPS(Rs) | 22.79 | 2.6 | 12.45 | 9.86 | -29.69 | 5.38 | 10.2 | -14.83 | 7.98 | 6.74 | 12.9 |
DPS(Rs) | 5 | 5 | 2.1 | 1.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5 |
Book NAV/Share(Rs) | 100.35 | 11.8 | 126 | 132.45 | 96.64 | 99.44 | 108.03 | 74.99 | 81.71 | 75.4 | 83.52 |
Yield on Advances | 15.66 | 14.59 | 15.84 | 13.63 | 13.42 | 11.63 | 11.58 | 13.12 | 12.13 | 11.38 | 11.37 |
Yield on Investments | 7.23 | 6.65 | 8.15 | 8.82 | 9.02 | 7.79 | 7.55 | 7.35 | 6.44 | 5.33 | 6.1 |
Cost of Liabilities | 5.85 | 5.74 | 6.48 | 5.77 | 5.66 | 4.59 | 4.65 | 4.75 | 3.94 | 3.5 | 3.69 |
NIM (Net Interest Margin) | 3.29 | 3.5 | 3.73 | 3.68 | 3.29 | 3.42 | 3.55 | 3.81 | 3.52 | 3.46 | 3.77 |
Interest Spread | 9.8 | 8.85 | 9.36 | 7.86 | 7.76 | 7.04 | 6.93 | 8.37 | 8.19 | 7.88 | 7.68 |
ROA(%) | 1.6 | 1.57 | 0.66 | 0.53 | -2.01 | 0.24 | 0.49 | -1.13 | 0.38 | 0.4 | 0.87 |
ROE(%) | 23.55 | 22.31 | 8.6 | 6.61 | -28.5 | 3.83 | 8.03 | -20.82 | 7.78 | 7.84 | 15.32 |
ROCE(%) | 28.49 | 27.63 | 12.87 | 9.78 | -18.09 | 3.52 | 10.94 | -10.24 | 8.58 | 9.82 | 17.59 |
PER(x) | 5.47 | 63.09 | 9.09 | 7.11 | 0 | 16.61 | 6.45 | 0 | 4.28 | 6.09 | 4.3 |
Price/Book(x) | 1.19 | 13.02 | 0.76 | 0.46 | 0.78 | 0.61 | 0.5 | 0.17 | 0.31 | 0.43 | 0.59 |
Dividend Yield(%) | 4.2 | 0.33 | 2.2 | 2.88 | 0 | 0 | 0 | 0 | 0 | 0 | 1.02 |
EV/Net Sales(x) | 1.12 | 11.27 | 0.99 | 0.76 | 0.78 | 0.75 | 0.73 | 0.34 | 0.47 | 0.67 | 0.85 |
EV/Core EBITDA(x) | 3.78 | 40.19 | 3.79 | 3.11 | 4.01 | 3.61 | 3.27 | 1.96 | 2.42 | 5.05 | 4.28 |
Interest Earned Growth(%) | 26.91 | 10.27 | 4.35 | -3.08 | -2.31 | -0.96 | 15.92 | 10.04 | -3.97 | -1.21 | 16.75 |
Net Profit Growth | 31.36 | 11.96 | -56.95 | -18.61 | -494.59 | 112.41 | 128.85 | -355.12 | 136.74 | 16.02 | 137.61 |
Advances Growth | 18.51 | 18.33 | -3.88 | 12.58 | -0.75 | 14.25 | 16.44 | -2.83 | 3.79 | 5.31 | 16.88 |
EPS Growth(%) | 31.36 | -88.8 | 330.53 | -18.61 | -466.93 | 111.62 | 128.84 | -299.13 | 136.21 | -11.67 | 115.76 |
Loans/Deposits(x) | 1.67 | 2.55 | 3.56 | 3.23 | 1.76 | 2.04 | 2.93 | 2.07 | 1.87 | 2.07 | 2.37 |
Cash/Deposits(x) | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.07 | 0.06 |
Current Ratio(x) | 0.4 | 0.38 | 0.35 | 0.29 | 0.29 | 0.24 | 0.26 | 0.24 | 0.28 | 0.29 | 0.29 |
Quick Ratio(x) | 1.67 | 2.55 | 3.56 | 3.23 | 1.76 | 2.04 | 2.93 | 2.07 | 1.87 | 2.07 | 2.37 |
CASA % | 39.23 | 39.06 | 41.8 | 44.13 | 51.7 | 50.89 | 50.7 | 53.65 | 56.84 | 56.56 | 54.1 |
Pros
- Company has delivered good profit growth of 42% CAGR over last 5 years
- Company is almost debt free.
Cons
- Company has a low return on equity of 10% over the last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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