Jammu & Kashmir Bank Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 12, 2025, 12:11 am

Market Cap	10,037 Cr.
Current Price	91.2
High / Low	147/82.0
Stock P/E	4.71
Book Value	125
Dividend Yield	2.36 %
ROCE	5.90 %
ROE	16.0 %
Face Value	1.00
PEG Ratio	0.18

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Jammu & Kashmir Bank Ltd

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	1,723 Cr.	208	467/180	18.4	80.6	0.00 %	7.07 %	14.4 %	10.0
Yes Bank Ltd	53,804 Cr.	17.2	28.6/16.0	24.8	15.0	0.00 %	5.81 %	3.11 %	2.00
Ujjivan Small Finance Bank Ltd	7,694 Cr.	39.8	56.2/30.8	7.91	30.0	3.77 %	11.1 %	26.7 %	10.0
South Indian Bank Ltd	6,174 Cr.	23.6	31.8/22.1	4.95	37.2	1.27 %	6.19 %	13.8 %	1.00
Karnataka Bank Ltd	6,861 Cr.	182	245/162	5.30	306	3.03 %	6.24 %	13.7 %	10.0
Industry Average	158,213.24 Cr	422.61		13.43	244.61	1.07%	7.14%	13.99%	6.14

All Competitor Stocks of Jammu & Kashmir Bank Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	2,020	2,012	2,103	2,299	2,441	2,512	2,657	2,764	2,881	2,910	2,994	3,124	3,210
Interest	1,026	1,037	1,069	1,095	1,183	1,262	1,374	1,430	1,600	1,604	1,625	1,687	1,697
Expenses	858	800	1,003	945	984	793	1,062	982	906	705	954	980	996
Financing Profit	135	176	31	259	274	457	221	352	375	602	415	456	516
Financing Margin %	7%	9%	1%	11%	11%	18%	8%	13%	13%	21%	14%	15%	16%
Other Income	173	-56	205	148	244	168	230	193	186	229	198	301	242
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	308	120	236	407	518	625	452	545	561	830	614	757	758
Tax %	43%	6%	30%	40%	40%	24%	28%	30%	25%	23%	32%	27%	30%
Net Profit	169	119	161	240	307	473	331	384	423	633	418	553	529
EPS in Rs	1.81	1.27	1.67	2.49	3.19	4.58	3.21	3.72	3.84	5.75	3.80	5.02	4.80
Gross NPA %
Net NPA %

Last Updated: March 4, 2025, 3:07 pm

Below is a detailed analysis of the quarterly data for Jammu & Kashmir Bank Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 1,697.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,687.00 Cr. (Sep 2024) to 1,697.00 Cr., marking an increase of 10.00 Cr..
For Expenses, as of Dec 2024, the value is 996.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 980.00 Cr. (Sep 2024) to 996.00 Cr., marking an increase of 16.00 Cr..
For Other Income, as of Dec 2024, the value is 242.00 Cr.. The value appears to be declining and may need further review. It has decreased from 301.00 Cr. (Sep 2024) to 242.00 Cr., marking a decrease of 59.00 Cr..
For Depreciation, as of Dec 2024, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is 758.00 Cr.. The value appears strong and on an upward trend. It has increased from 757.00 Cr. (Sep 2024) to 758.00 Cr., marking an increase of 1.00 Cr..
For Tax %, as of Dec 2024, the value is 30.00%. The value appears to be increasing, which may not be favorable. It has increased from 27.00% (Sep 2024) to 30.00%, marking an increase of 3.00%.
For Net Profit, as of Dec 2024, the value is 529.00 Cr.. The value appears to be declining and may need further review. It has decreased from 553.00 Cr. (Sep 2024) to 529.00 Cr., marking a decrease of 24.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 4.80. The value appears to be declining and may need further review. It has decreased from 5.02 (Sep 2024) to 4.80, marking a decrease of 0.22.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 2:37 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	6,137	6,767	7,061	6,844	6,686	6,621	7,676	8,446	8,111	8,013	9,355	11,213	12,238
Interest	3,820	4,082	4,409	4,132	4,173	3,750	4,291	4,739	4,340	4,101	4,609	6,008	6,613
Expenses	1,226	1,250	2,336	2,466	4,431	3,154	3,439	5,234	3,802	3,774	3,567	3,437	3,635
Financing Profit	1,091	1,435	316	245	-1,919	-283	-55	-1,527	-30	137	1,178	1,768	1,990
Financing Margin %	18%	21%	4%	4%	-29%	-4%	-1%	-18%	-0%	2%	13%	16%	16%
Other Income	485	393	599	509	497	501	817	509	701	753	765	838	970
Depreciation	50	78	95	64	85	97	104	126	134	144	158	218	0
Profit before tax	1,526	1,750	820	689	-1,507	121	659	-1,144	537	747	1,786	2,388	2,959
Tax %	31%	33%	38%	40%	8%	-68%	30%	3%	19%	32%	33%	26%
Net Profit	1,055	1,181	508	414	-1,633	203	464	-1,183	428	495	1,181	1,771	2,133
EPS in Rs	21.76	24.36	10.49	8.54	-31.32	3.64	8.33	-16.59	6.01	5.30	11.44	16.08	19.37
Dividend Payout %	23%	21%	20%	20%	0%	0%	0%	0%	0%	0%	4%	13%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	11.94%	-56.99%	-18.50%	-494.44%	112.43%	128.57%	-354.96%	136.18%	15.65%	138.59%	49.96%
Change in YoY Net Profit Growth (%)	0.00%	-68.93%	38.48%	-475.94%	606.88%	16.14%	-483.53%	491.14%	-120.52%	122.93%	-88.63%

Jammu & Kashmir Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	5%
5 Years:	8%
3 Years:	11%
TTM:	13%

Compounded Profit Growth
10 Years:	4%
5 Years:	31%
3 Years:	61%
TTM:	32%

Stock Price CAGR
10 Years:	-1%
5 Years:	51%
3 Years:	42%
1 Year:	-32%

Return on Equity
10 Years:	4%
5 Years:	7%
3 Years:	13%
Last Year:	16%

Last Updated: Unknown

Balance Sheet

Last Updated: March 14, 2025, 2:41 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	48	48	48	48	52	56	56	71	71	93	103	110	110
Reserves	4,816	5,674	6,060	6,372	5,621	6,102	6,566	6,274	6,731	7,984	9,793	12,083	13,196
Deposits	64,812	69,928	66,336	69,379	72,459	80,005	89,637	97,786	108,047	114,703	122,027	134,763	137,907
Borrowings	475	1,165	1,740	2,240	1,276	1,628	2,624	2,020	2,015	2,371	2,892	2,885	2,884
Other Liabilities	66,395	71,726	68,062	71,593	75,063	81,899	92,159	100,464	111,455	120,128	133,124	139,427	143,266
Total Liabilities	71,734	78,613	75,910	80,254	82,012	89,684	101,405	108,829	120,273	130,576	145,913	154,505	159,456
Fixed Assets	444	508	655	706	1,479	1,598	1,646	2,036	1,971	1,908	2,224	2,208	2,229
CWIP	13	27	34	59	64	17	29	35	41	46	47	50	0
Investments	25,731	26,185	22,740	20,334	21,271	18,860	23,140	22,990	30,774	33,785	34,780	34,900	38,656
Other Assets	45,547	51,893	52,481	59,156	59,198	69,210	76,589	83,768	87,486	94,837	108,860	117,347	118,571
Total Assets	71,734	78,613	75,910	80,254	82,012	89,684	101,405	108,829	120,273	130,576	145,913	154,505	159,456

Below is a detailed analysis of the balance sheet data for Jammu & Kashmir Bank Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹13,196.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,083.00 Cr. (Mar 2024) to ₹13,196.00 Cr., marking an increase of 1,113.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹2,884.00 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 2,885.00 Cr. (Mar 2024) to ₹2,884.00 Cr., marking a decrease of 1.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹143,266.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 139,427.00 Cr. (Mar 2024) to ₹143,266.00 Cr., marking an increase of 3,839.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹159,456.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 154,505.00 Cr. (Mar 2024) to ₹159,456.00 Cr., marking an increase of 4,951.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹2,229.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,208.00 Cr. (Mar 2024) to ₹2,229.00 Cr., marking an increase of 21.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 50.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 50.00 Cr..
For Investments, as of Sep 2024, the value is ₹38,656.00 Cr.. The value appears strong and on an upward trend. It has increased from 34,900.00 Cr. (Mar 2024) to ₹38,656.00 Cr., marking an increase of 3,756.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹118,571.00 Cr.. The value appears strong and on an upward trend. It has increased from 117,347.00 Cr. (Mar 2024) to ₹118,571.00 Cr., marking an increase of 1,224.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹159,456.00 Cr.. The value appears strong and on an upward trend. It has increased from 154,505.00 Cr. (Mar 2024) to ₹159,456.00 Cr., marking an increase of 4,951.00 Cr..

Notably, the Reserves (13,196.00 Cr.) exceed the Borrowings (2,884.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

No data available for this post.

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-63.00	-68.00	-64.00	-67.00	-68.00	-77.00	-86.00	-92.00	-105.00	-111.00	-119.00	-131.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	24%	22%	9%	7%	-27%	3%	7%	-18%	7%	7%	13%	16%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	68.18%	70.12%	70.12%	68.03%	68.03%	68.03%	63.41%	63.41%	63.41%	59.40%	59.40%	59.40%
FIIs	0.00%	0.70%	0.71%	0.76%	0.82%	1.96%	2.24%	2.19%	2.61%	5.80%	6.99%	7.16%
DIIs	2.08%	0.23%	0.21%	0.94%	2.12%	2.78%	2.66%	2.43%	4.92%	7.81%	7.90%	6.74%
Public	29.74%	28.96%	28.96%	30.27%	29.03%	27.23%	31.69%	31.96%	29.06%	26.98%	25.71%	26.70%
No. of Shareholders	1,71,725	1,84,254	1,92,588	1,95,935	1,89,535	1,69,558	1,72,074	1,72,171	1,88,609	2,04,193	2,15,294	2,54,645

Shareholding Pattern Chart

No. of Shareholders

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	N/A	N/A	N/A
Kotak Multicap Fund	11,409,015	1.74	140.33	N/A	N/A	N/A
Kotak Multi Asset Allocation Fund	3,940,381	1.04	48.47	N/A	N/A	N/A
Mahindra Manulife Large & Mid Cap Fund	3,400,000	2.47	41.82	N/A	N/A	N/A
Aditya Birla Sun Life PSU Equity Fund	2,318,174	1.47	28.51	N/A	N/A	N/A
Baroda BNP Paribas Multi Cap Fund	1,894,052	1.1	23.3	N/A	N/A	N/A
Kotak India EQ Contra Fund - Regular Plan	1,738,800	0.93	21.39	N/A	N/A	N/A
Mahindra Manulife Small Cap Fund	1,550,365	0.62	19.07	1,550,365	2025-04-11	0%
Baroda BNP Paribas Small Cap Fund	1,530,000	1.47	18.82	N/A	N/A	N/A
Baroda BNP Paribas Large and Mid Cap Fund	1,300,000	1.65	15.99	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	1.00	1.00	1.00	1.00	1.00
Basic EPS (Rs.)	16.84	12.25	5.96	6.01	-16.59
Diluted EPS (Rs.)	16.84	12.25	5.96	6.01	-16.59
Cash EPS (Rs.)	18.05	13.15	6.95	7.89	-14.82
Book Value[Excl.RevalReserv]/Share (Rs.)	99.19	83.51	75.39	81.69	74.97
Book Value[Incl.RevalReserv]/Share (Rs.)	110.71	95.93	85.57	95.32	88.93
Operating Revenue / Share (Rs.)	101.82	90.68	85.88	113.67	118.36
Net Profit / Share (Rs.)	16.07	11.62	5.41	6.00	-16.58
Net Profit After MI / Share (Rs.)	16.08	11.44	5.30	6.00	-16.58
Net Profit Margin (%)	15.78	12.81	6.29	5.28	-14.01
Net Profit After MI And SOA Nargin (%)	15.79	12.61	6.17	5.28	-14.01
Operating Profit Margin (%)	8.31	4.63	-3.56	-3.61	-20.03
Return On Assets (%)	1.14	0.80	0.37	0.35	-1.08
Return On Equity / Networth (%)	16.21	13.70	7.03	7.34	-22.11
Net Interest Margin (X)	3.36	3.25	2.99	3.13	3.40
Cost To Income (%)	62.26	66.24	76.53	64.18	64.86
Interest Income / Total Assets (%)	7.25	6.41	6.13	6.74	7.76
Non-Interest Income / Total Assets (%)	0.54	0.52	0.60	0.60	0.46
Operating Profit / Total Assets (%)	0.60	0.29	-0.21	-0.24	-1.55
Operating Expenses / Total Assets (%)	2.43	2.50	2.75	2.39	2.51
Interest Expenses / Total Assets (%)	3.88	3.15	3.14	3.60	4.35
Enterprise Value (Rs.Cr.)	145155.93	122196.89	118692.07	108211.10	97742.78
EV Per Net Sales (X)	12.95	13.06	14.81	13.34	11.57
Price To Book Value (X)	1.35	0.58	0.42	0.31	0.16
Price To Sales (X)	1.32	0.54	0.37	0.22	0.10
Retention Ratios (%)	86.63	95.63	100.00	100.00	100.00
Earnings Yield (X)	0.12	0.23	0.16	0.23	-1.34

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 24, the value is 16.84. This value is within the healthy range. It has increased from 12.25 (Mar 23) to 16.84, marking an increase of 4.59.
For Diluted EPS (Rs.), as of Mar 24, the value is 16.84. This value is within the healthy range. It has increased from 12.25 (Mar 23) to 16.84, marking an increase of 4.59.
For Cash EPS (Rs.), as of Mar 24, the value is 18.05. This value is within the healthy range. It has increased from 13.15 (Mar 23) to 18.05, marking an increase of 4.90.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 99.19. It has increased from 83.51 (Mar 23) to 99.19, marking an increase of 15.68.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 110.71. It has increased from 95.93 (Mar 23) to 110.71, marking an increase of 14.78.
For Net Profit / Share (Rs.), as of Mar 24, the value is 16.07. This value is within the healthy range. It has increased from 11.62 (Mar 23) to 16.07, marking an increase of 4.45.
For Net Profit Margin (%), as of Mar 24, the value is 15.78. This value exceeds the healthy maximum of 10. It has increased from 12.81 (Mar 23) to 15.78, marking an increase of 2.97.
For Return On Assets (%), as of Mar 24, the value is 1.14. This value is below the healthy minimum of 5. It has increased from 0.80 (Mar 23) to 1.14, marking an increase of 0.34.
For Retention Ratios (%), as of Mar 24, the value is 86.63. This value exceeds the healthy maximum of 70. It has decreased from 95.63 (Mar 23) to 86.63, marking a decrease of 9.00.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Jammu & Kashmir Bank Ltd as of April 13, 2025 is: 77.14

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 13, 2025, Jammu & Kashmir Bank Ltd is Overvalued by 15.42% compared to the current share price 91.20

Intrinsic Value of Jammu & Kashmir Bank Ltd as of April 13, 2025 is: 97.48

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 13, 2025, Jammu & Kashmir Bank Ltd is Undervalued by 6.89% compared to the current share price 91.20

Last 5 Year EPS CAGR: 26.37%

*Investments are subject to market risks

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:
1. Net Profit Margin: 15.78%
  - 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.
2. ROCE: 0% (Industry Average ROCE: 7.14%)
  - 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.
3. ROE%: 0% (Industry Average ROE: 13.99%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. 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.
5. 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.
6. Stock P/E: 4.71 (Industry average Stock P/E: 13.43)
  - 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.
7. 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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Jammu & Kashmir Bank Ltd. is a Public Limited Listed company incorporated on 01/10/1938 and has its registered office in the State of Jammu & Kashmir, India. Company's Corporate Identification Number(CIN) is L65110JK1938SGC000048 and registration number is 000048. Currently Company is involved in the business activities of Monetary intermediation of commercial banks, saving banks. postal savings bank and discount houses. Company's Total Operating Revenue is Rs. 11212.36 Cr. and Equity Capital is Rs. 110.13 Cr. for the Year ended 31/03/2024.

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. Baldev Prakash	Managing Director & CEO
Dr. Pawan Kotwal	Non Executive Director
Mr. Sudhir Gupta	Non Ind.& Exe.Director
Mr. R K Chhibber	Non Exe.Non Ind.Director
Mr. Naba Kishore Sahoo	Ind. Non-Executive Director
Dr. Rajeev Lochan Bishnoi	Ind. Non-Executive Director
Mr. Anil Kumar Goel	Ind. Non-Executive Director
Mr. Umesh Chandra Pandey	Ind. Non-Executive Director
Ms. Shahla Ayoub	Ind. Non-Executive Director
Mr. Anand Kumar	Ind. Non-Executive Director

FAQ

What is the intrinsic value of Jammu & Kashmir Bank Ltd?

Jammu & Kashmir Bank Ltd's intrinsic value (as of 13 April 2025) is ₹77.14 — 15.42% lower the current market price of 91.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 10,037 Cr. market cap, FY2025-2026 high/low of ₹147/82.0, reserves of 13,196 Cr, and liabilities of 159,456 Cr.

What is the Market Cap of Jammu & Kashmir Bank Ltd?

The Market Cap of Jammu & Kashmir Bank Ltd is 10,037 Cr..

What is the current Stock Price of Jammu & Kashmir Bank Ltd as on 13 April 2025?

The current stock price of Jammu & Kashmir Bank Ltd as on 13 April 2025 is 91.2.

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 ₹147/82.0.

What is the Stock P/E of Jammu & Kashmir Bank Ltd?

The Stock P/E of Jammu & Kashmir Bank Ltd is 4.71.

What is the Book Value of Jammu & Kashmir Bank Ltd?

The Book Value of Jammu & Kashmir Bank Ltd is 125.

What is the Dividend Yield of Jammu & Kashmir Bank Ltd?

The Dividend Yield of Jammu & Kashmir Bank Ltd is 2.36 %.

What is the ROCE of Jammu & Kashmir Bank Ltd?

The ROCE of Jammu & Kashmir Bank Ltd is 5.90 %.

What is the ROE of Jammu & Kashmir Bank Ltd?

The ROE of Jammu & Kashmir Bank Ltd is 16.0 %.

What is the Face Value of Jammu & Kashmir Bank Ltd?

The Face Value of Jammu & Kashmir Bank Ltd is 1.00.