Share Price and Basic Stock Data
Last Updated: November 3, 2025, 10:17 pm
| PEG Ratio | 0.19 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Jammu & Kashmir Bank Ltd operates primarily in the private sector banking domain and has recorded a robust revenue trajectory, with total revenue standing at ₹9,355 Cr for the fiscal year ending March 2023. This figure rose significantly to ₹11,213 Cr in March 2024 and is projected to further increase to ₹12,541 Cr in March 2025, reflecting a strong upward trend in business operations. The quarterly performance also indicates growth, with revenue rising from ₹2,103 Cr in June 2022 to ₹2,757 Cr in September 2023. This consistent revenue growth can be attributed to a strategic focus on expanding its customer base and enhancing its service offerings. The bank’s interest income, a crucial component of its revenue, increased from ₹4,609 Cr in March 2023 to ₹6,008 Cr in March 2024, indicating improved lending activities and interest margins. Overall, Jammu & Kashmir Bank Ltd demonstrates a solid performance in revenue generation, positioning itself favorably within the competitive banking landscape.
Profitability and Efficiency Metrics
The profitability of Jammu & Kashmir Bank Ltd has shown notable improvement, with net profit rising from ₹1,181 Cr in March 2023 to ₹1,771 Cr in March 2024, and expected to reach ₹2,082 Cr by March 2025. The net profit margin stood at 16.63% for the fiscal year ending March 2025, which is a commendable figure compared to typical sector ranges. The bank’s return on equity (ROE) stood at 16.05%, indicating efficient use of shareholders’ equity to generate profits. The financing profit also exhibited a positive trend, recording ₹1,178 Cr in March 2023 and increasing to ₹1,768 Cr in March 2024. However, the cost-to-income ratio at 57.75% for March 2025 suggests room for improvement in managing operational costs relative to income, which is essential for enhancing profitability. Overall, while the bank’s profitability metrics are strong, a focus on operational efficiency remains critical for sustaining growth.
Balance Sheet Strength and Financial Ratios
Jammu & Kashmir Bank Ltd’s balance sheet reflects considerable strength, with total assets valued at ₹169,424 Cr as of March 2025, up from ₹145,913 Cr in March 2023. The bank’s reserves have also increased significantly, standing at ₹14,098 Cr in March 2025, up from ₹9,793 Cr in March 2023, which bolsters its capital adequacy. The bank’s equity capital remained stable at ₹110 Cr, with a book value per share of ₹117.76, indicating a solid foundation for future growth. Key financial ratios reveal a net interest margin of 3.42 and a return on assets of 1.22%, which are competitive within the banking sector. The price-to-earnings ratio of 5.72 suggests that the stock may be undervalued compared to peers. However, the absence of certain metrics, such as gross and net NPA percentages, limits a comprehensive assessment of asset quality and risk exposure, indicating a need for improved transparency in financial reporting.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Jammu & Kashmir Bank Ltd indicates a diverse ownership structure, with promoters holding 59.40% of the shares as of March 2025, reflecting a strong commitment to the bank’s long-term strategy. Foreign Institutional Investors (FIIs) have increased their stake to 7.85%, up from just 1.96% in December 2022, signaling growing confidence among international investors. Domestic Institutional Investors (DIIs) hold 5.76%, while the public ownership stands at 26.98%, indicating a balanced distribution of shares. The total number of shareholders has risen significantly, reaching 2,61,978 by March 2025, which reflects increasing retail investor interest. This growing confidence can be attributed to the bank’s improving financial performance and strategic initiatives aimed at enhancing shareholder value. However, the declining promoter holding from 68.03% in December 2022 to 59.40% raises questions about potential dilution of control, which may affect future governance and strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, Jammu & Kashmir Bank Ltd is positioned for continued growth, backed by strong revenue and profit trends. However, it faces certain risks, including potential asset quality concerns, as the absence of NPA data raises questions about credit risk management. Additionally, the cost-to-income ratio suggests that operational efficiency remains a challenge, which could hinder profit margins in a competitive environment. The bank’s ability to maintain its growth trajectory will depend on enhancing operational efficiencies and managing asset quality effectively. On the positive side, the increasing interest from institutional investors and a solid balance sheet provide a robust foundation for future expansion. The bank’s strategic focus on customer service and product diversification could bolster its market position. Overall, while the outlook appears promising, stakeholders should remain vigilant about the underlying risks that could impact performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Jammu & Kashmir Bank Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 2,398 Cr. | 288 | 396/180 | 29.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,444 Cr. | 28.0 | 46.0/24.3 | 37.8 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,247 Cr. | 275 | 331/250 | 9.23 | 307 | 1.45 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 72,068 Cr. | 23.0 | 24.3/16.0 | 25.4 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,207 Cr. | 52.7 | 54.6/30.8 | 24.5 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 160,955.70 Cr | 409.77 | 18.30 | 238.79 | 0.61% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,103 | 2,299 | 2,441 | 2,512 | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 |
| Interest | 1,069 | 1,095 | 1,183 | 1,262 | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 |
| Expenses | 1,003 | 945 | 984 | 793 | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,078 | 1,061 |
| Financing Profit | 31 | 259 | 274 | 457 | 221 | 352 | 375 | 602 | 415 | 456 | 516 | 404 | 406 |
| Financing Margin % | 1% | 11% | 11% | 18% | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% |
| Other Income | 205 | 148 | 244 | 168 | 230 | 193 | 186 | 229 | 198 | 301 | 242 | 406 | 253 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 236 | 407 | 518 | 625 | 452 | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 |
| Tax % | 30% | 40% | 40% | 24% | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% |
| Net Profit | 161 | 240 | 307 | 473 | 331 | 384 | 423 | 633 | 418 | 553 | 529 | 582 | 485 |
| EPS in Rs | 1.67 | 2.49 | 3.19 | 4.58 | 3.21 | 3.72 | 3.84 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 10:25 am
Below is a detailed analysis of the quarterly data for Jammu & Kashmir Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 1,803.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,732.00 Cr. (Mar 2025) to 1,803.00 Cr., marking an increase of 71.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,061.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,078.00 Cr. (Mar 2025) to 1,061.00 Cr., marking a decrease of 17.00 Cr..
- For Other Income, as of Jun 2025, the value is 253.00 Cr.. The value appears to be declining and may need further review. It has decreased from 406.00 Cr. (Mar 2025) to 253.00 Cr., marking a decrease of 153.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 659.00 Cr.. The value appears to be declining and may need further review. It has decreased from 810.00 Cr. (Mar 2025) to 659.00 Cr., marking a decrease of 151.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 28.00% (Mar 2025) to 26.00%, marking a decrease of 2.00%.
- For Net Profit, as of Jun 2025, the value is 485.00 Cr.. The value appears to be declining and may need further review. It has decreased from 582.00 Cr. (Mar 2025) to 485.00 Cr., marking a decrease of 97.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.40. The value appears to be declining and may need further review. It has decreased from 5.28 (Mar 2025) to 4.40, marking a decrease of 0.88.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:17 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,767 | 7,061 | 6,844 | 6,686 | 6,621 | 7,676 | 8,446 | 8,111 | 8,013 | 9,355 | 11,213 | 12,541 | 12,816 |
| Interest | 4,082 | 4,409 | 4,132 | 4,173 | 3,750 | 4,291 | 4,739 | 4,340 | 4,101 | 4,609 | 6,008 | 6,741 | 6,919 |
| Expenses | 1,250 | 2,336 | 2,466 | 4,431 | 3,154 | 3,439 | 5,234 | 3,802 | 3,774 | 3,567 | 3,437 | 3,840 | 4,115 |
| Financing Profit | 1,435 | 316 | 245 | -1,919 | -283 | -55 | -1,527 | -30 | 137 | 1,178 | 1,768 | 1,960 | 1,783 |
| Financing Margin % | 21% | 4% | 4% | -29% | -4% | -1% | -18% | -0% | 2% | 13% | 16% | 16% | 14% |
| Other Income | 393 | 599 | 509 | 497 | 501 | 817 | 509 | 701 | 753 | 765 | 838 | 1,147 | 1,202 |
| Depreciation | 78 | 95 | 64 | 85 | 97 | 104 | 126 | 134 | 144 | 158 | 218 | 168 | 0 |
| Profit before tax | 1,750 | 820 | 689 | -1,507 | 121 | 659 | -1,144 | 537 | 747 | 1,786 | 2,388 | 2,939 | 2,984 |
| Tax % | 33% | 38% | 40% | 8% | -68% | 30% | 3% | 19% | 32% | 33% | 26% | 29% | |
| Net Profit | 1,181 | 508 | 414 | -1,633 | 203 | 464 | -1,183 | 428 | 495 | 1,181 | 1,771 | 2,082 | 2,148 |
| EPS in Rs | 24.36 | 10.49 | 8.54 | -31.32 | 3.64 | 8.33 | -16.59 | 6.01 | 5.30 | 11.44 | 16.08 | 18.91 | 19.50 |
| Dividend Payout % | 21% | 20% | 20% | 0% | 0% | 0% | 0% | 0% | 0% | 4% | 13% | 11% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -56.99% | -18.50% | -494.44% | 112.43% | 128.57% | -354.96% | 136.18% | 15.65% | 138.59% | 49.96% | 17.56% |
| Change in YoY Net Profit Growth (%) | 0.00% | 38.48% | -475.94% | 606.88% | 16.14% | -483.53% | 491.14% | -120.52% | 122.93% | -88.63% | -32.40% |
Jammu & Kashmir Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 8% |
| 3 Years: | 16% |
| TTM: | 11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 30% |
| 3 Years: | 61% |
| TTM: | 16% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 42% |
| 3 Years: | 46% |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 13% |
| 3 Years: | 15% |
| Last Year: | 16% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: August 11, 2025, 2:57 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 48 | 48 | 48 | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 110 |
| Reserves | 5,674 | 6,060 | 6,372 | 5,621 | 6,102 | 6,566 | 6,274 | 6,731 | 7,984 | 9,793 | 12,083 | 14,098 |
| Deposits | 69,928 | 66,336 | 69,379 | 72,459 | 80,005 | 89,637 | 97,786 | 108,047 | 114,703 | 122,027 | 134,765 | 148,552 |
| Borrowing | 1,165 | 1,740 | 2,240 | 1,276 | 1,628 | 2,624 | 2,020 | 2,015 | 2,371 | 2,892 | 2,885 | 2,383 |
| Other Liabilities | 1,797 | 1,726 | 2,214 | 2,604 | 1,894 | 2,522 | 2,678 | 3,408 | 5,425 | 11,097 | 4,662 | 4,280 |
| Total Liabilities | 78,613 | 75,910 | 80,254 | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 | 145,913 | 154,505 | 169,424 |
| Fixed Assets | 508 | 655 | 706 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,126 |
| CWIP | 27 | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 |
| Investments | 26,185 | 22,740 | 20,334 | 21,271 | 18,860 | 23,140 | 22,990 | 30,774 | 33,785 | 34,780 | 34,900 | 41,122 |
| Other Assets | 51,893 | 52,481 | 59,156 | 59,198 | 69,210 | 76,589 | 83,768 | 87,486 | 94,837 | 108,860 | 117,347 | 126,110 |
| Total Assets | 78,613 | 75,910 | 80,254 | 82,012 | 89,684 | 101,405 | 108,829 | 120,273 | 130,576 | 145,913 | 154,505 | 169,424 |
Below is a detailed analysis of the balance sheet data for Jammu & Kashmir Bank Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 110.00 Cr..
- For Reserves, as of Mar 2025, the value is 14,098.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,083.00 Cr. (Mar 2024) to 14,098.00 Cr., marking an increase of 2,015.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 4,280.00 Cr.. The value appears to be improving (decreasing). It has decreased from 4,662.00 Cr. (Mar 2024) to 4,280.00 Cr., marking a decrease of 382.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 169,424.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 154,505.00 Cr. (Mar 2024) to 169,424.00 Cr., marking an increase of 14,919.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 2,126.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,208.00 Cr. (Mar 2024) to 2,126.00 Cr., marking a decrease of 82.00 Cr..
- For CWIP, as of Mar 2025, the value is 66.00 Cr.. The value appears strong and on an upward trend. It has increased from 50.00 Cr. (Mar 2024) to 66.00 Cr., marking an increase of 16.00 Cr..
- For Investments, as of Mar 2025, the value is 41,122.00 Cr.. The value appears strong and on an upward trend. It has increased from 34,900.00 Cr. (Mar 2024) to 41,122.00 Cr., marking an increase of 6,222.00 Cr..
- For Other Assets, as of Mar 2025, the value is 126,110.00 Cr.. The value appears strong and on an upward trend. It has increased from 117,347.00 Cr. (Mar 2024) to 126,110.00 Cr., marking an increase of 8,763.00 Cr..
- For Total Assets, as of Mar 2025, the value is 169,424.00 Cr.. The value appears strong and on an upward trend. It has increased from 154,505.00 Cr. (Mar 2024) to 169,424.00 Cr., marking an increase of 14,919.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -68.00 | -64.00 | -67.00 | -68.00 | -77.00 | -86.00 | -92.00 | -105.00 | -111.00 | -119.00 | -131.00 | -145.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 22% | 9% | 7% | -27% | 3% | 7% | -18% | 7% | 7% | 13% | 16% | 16% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Quant Small Cap Fund | 13,227,259 | 1.25 | 162.7 | 13,227,259 | 2025-04-22 17:25:18 | 0% |
| Kotak Multicap Fund | 11,409,015 | 1.74 | 140.33 | 11,409,015 | 2025-04-22 17:25:18 | 0% |
| Kotak Multi Asset Allocation Fund | 3,940,381 | 1.04 | 48.47 | 3,940,381 | 2025-04-22 17:25:18 | 0% |
| Mahindra Manulife Large & Mid Cap Fund | 3,400,000 | 2.47 | 41.82 | 3,400,000 | 2025-04-22 17:25:18 | 0% |
| Aditya Birla Sun Life PSU Equity Fund | 2,318,174 | 1.47 | 28.51 | 2,318,174 | 2025-04-22 17:25:18 | 0% |
| Baroda BNP Paribas Multi Cap Fund | 1,894,052 | 1.1 | 23.3 | 1,894,052 | 2025-04-22 17:25:18 | 0% |
| Kotak India EQ Contra Fund - Regular Plan | 1,738,800 | 0.93 | 21.39 | 1,738,800 | 2025-04-22 17:25:18 | 0% |
| Mahindra Manulife Small Cap Fund | 1,550,365 | 0.62 | 19.07 | 1,550,365 | 2025-04-22 17:25:18 | 0% |
| Baroda BNP Paribas Small Cap Fund | 1,530,000 | 1.47 | 18.82 | 1,530,000 | 2025-04-22 17:25:18 | 0% |
| Baroda BNP Paribas Large and Mid Cap Fund | 1,300,000 | 1.65 | 15.99 | 1,300,000 | 2025-04-22 17:25:18 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Basic EPS (Rs.) | 18.91 | 16.84 | 12.25 | 5.96 | 6.01 |
| Diluted EPS (Rs.) | 18.91 | 16.84 | 12.25 | 5.96 | 6.01 |
| Cash EPS (Rs.) | 20.47 | 18.05 | 13.15 | 6.95 | 7.89 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 117.76 | 99.19 | 83.51 | 75.39 | 81.69 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 129.01 | 110.71 | 95.93 | 85.57 | 95.32 |
| Operating Revenue / Share (Rs.) | 113.87 | 101.82 | 90.68 | 85.88 | 113.67 |
| Net Profit / Share (Rs.) | 18.94 | 16.07 | 11.62 | 5.41 | 6.00 |
| Net Profit After MI / Share (Rs.) | 18.90 | 16.08 | 11.44 | 5.30 | 6.00 |
| Net Profit Margin (%) | 16.63 | 15.78 | 12.81 | 6.29 | 5.28 |
| Net Profit After MI And SOA Nargin (%) | 16.59 | 15.79 | 12.61 | 6.17 | 5.28 |
| Operating Profit Margin (%) | 30.03 | 29.28 | 21.74 | 10.72 | 9.53 |
| Return On Assets (%) | 1.22 | 1.14 | 0.80 | 0.37 | 0.35 |
| Return On Equity / Networth (%) | 16.05 | 16.21 | 13.70 | 7.03 | 7.34 |
| Net Interest Margin (X) | 3.42 | 3.36 | 3.25 | 2.99 | 3.13 |
| Cost To Income (%) | 57.75 | 62.26 | 66.24 | 76.53 | 64.18 |
| Interest Income / Total Assets (%) | 7.40 | 7.25 | 6.41 | 6.13 | 6.74 |
| Non-Interest Income / Total Assets (%) | 0.67 | 0.54 | 0.52 | 0.60 | 0.60 |
| Operating Profit / Total Assets (%) | 0.55 | 0.60 | 0.29 | -0.21 | -0.24 |
| Operating Expenses / Total Assets (%) | 2.36 | 2.43 | 2.50 | 2.75 | 2.39 |
| Interest Expenses / Total Assets (%) | 3.97 | 3.88 | 3.15 | 3.14 | 3.60 |
| Enterprise Value (Rs.Cr.) | 153712.43 | 145155.93 | 122196.89 | 118692.07 | 108211.10 |
| EV Per Net Sales (X) | 12.26 | 12.95 | 13.06 | 14.81 | 13.34 |
| Price To Book Value (X) | 0.78 | 1.35 | 0.58 | 0.42 | 0.31 |
| Price To Sales (X) | 0.81 | 1.32 | 0.54 | 0.37 | 0.22 |
| Retention Ratios (%) | 88.62 | 86.63 | 95.63 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.20 | 0.12 | 0.23 | 0.16 | 0.23 |
After reviewing the key financial ratios for Jammu & Kashmir Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 18.91. This value is within the healthy range. It has increased from 16.84 (Mar 24) to 18.91, marking an increase of 2.07.
- For Diluted EPS (Rs.), as of Mar 25, the value is 18.91. This value is within the healthy range. It has increased from 16.84 (Mar 24) to 18.91, marking an increase of 2.07.
- For Cash EPS (Rs.), as of Mar 25, the value is 20.47. This value is within the healthy range. It has increased from 18.05 (Mar 24) to 20.47, marking an increase of 2.42.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 117.76. It has increased from 99.19 (Mar 24) to 117.76, marking an increase of 18.57.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 129.01. It has increased from 110.71 (Mar 24) to 129.01, marking an increase of 18.30.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 18.94. This value is within the healthy range. It has increased from 16.07 (Mar 24) to 18.94, marking an increase of 2.87.
- For Net Profit Margin (%), as of Mar 25, the value is 16.63. This value exceeds the healthy maximum of 10. It has increased from 15.78 (Mar 24) to 16.63, marking an increase of 0.85.
- For Return On Assets (%), as of Mar 25, the value is 1.22. This value is below the healthy minimum of 5. It has increased from 1.14 (Mar 24) to 1.22, marking an increase of 0.08.
- For Retention Ratios (%), as of Mar 25, the value is 88.62. This value exceeds the healthy maximum of 70. It has increased from 86.63 (Mar 24) to 88.62, marking an increase of 1.99.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Jammu & Kashmir Bank Ltd:
- Net Profit Margin: 16.63%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 5.66 (Industry average Stock P/E: 18.3)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.63%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Corporate Headquarters, Maulana Azad Road, Srinagar Jammu & Kashmir 190001 | sharedeptt_gc@jkbmail.com http://www.jkbank.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Amitava Chatterjee | Managing Director & CEO |
| Dr. Mandeep K Bhandari | Non Exe.Non Ind.Director |
| Dr. Pawan Kotwal | Non Exe.Non Ind.Director |
| Mr. Sudhir Gupta | Non Ind.& Exe.Director |
| Mr. R K Chhibber | Non Exe.Non Ind.Director |
| Mr. Sanjiv Dayal | Non Exe. & Nominee Director |
| Ms. Shahla Ayoub | Ind. Non-Executive Director |
| Mr. Umesh Chandra Pandey | Ind. Non-Executive Director |
| Mr. Anand Kumar | Ind. Non-Executive Director |
| Mr. Anil Kumar Goel | Ind. Non-Executive Director |
| Mr. S Krishnan | Ind. Non-Executive Director |
| Mr. Santosh D Vaidya | Non Exe. & Nominee Director |
FAQ
What is the intrinsic value of Jammu & Kashmir Bank Ltd?
Jammu & Kashmir Bank Ltd's intrinsic value (as of 03 November 2025) is 94.14 which is 12.83% lower the current market price of 108.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 11,831 Cr. market cap, FY2025-2026 high/low of 117/82.0, reserves of ₹14,098 Cr, and liabilities of 169,424 Cr.
What is the Market Cap of Jammu & Kashmir Bank Ltd?
The Market Cap of Jammu & Kashmir Bank Ltd is 11,831 Cr..
What is the current Stock Price of Jammu & Kashmir Bank Ltd as on 03 November 2025?
The current stock price of Jammu & Kashmir Bank Ltd as on 03 November 2025 is 108.
What is the High / Low of Jammu & Kashmir Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Jammu & Kashmir Bank Ltd stocks is 117/82.0.
What is the Stock P/E of Jammu & Kashmir Bank Ltd?
The Stock P/E of Jammu & Kashmir Bank Ltd is 5.66.
What is the Book Value of Jammu & Kashmir Bank Ltd?
The Book Value of Jammu & Kashmir Bank Ltd is 129.
What is the Dividend Yield of Jammu & Kashmir Bank Ltd?
The Dividend Yield of Jammu & Kashmir Bank Ltd is 2.00 %.
What is the ROCE of Jammu & Kashmir Bank Ltd?
The ROCE of Jammu & Kashmir Bank Ltd is 6.15 %.
What is the ROE of Jammu & Kashmir Bank Ltd?
The ROE of Jammu & Kashmir Bank Ltd is 15.8 %.
What is the Face Value of Jammu & Kashmir Bank Ltd?
The Face Value of Jammu & Kashmir Bank Ltd is 1.00.