Share Price and Basic Stock Data
Last Updated: November 22, 2025, 10:00 am
| PEG Ratio | 0.19 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Jammu & Kashmir Bank Ltd operates within the private sector banking industry, with a current market capitalization of ₹11,810 Cr and a share price of ₹107. The bank reported significant revenue growth, with total revenues rising from ₹8,013 Cr in FY 2022 to ₹9,355 Cr in FY 2023, and further projected to reach ₹11,213 Cr in FY 2024 and ₹12,541 Cr in FY 2025. This upward trend is indicative of strong operational performance, supported by quarterly revenues that increased from ₹2,103 Cr in Jun 2022 to ₹2,764 Cr in Sep 2023. The bank’s interest income also grew substantially, from ₹4,101 Cr in FY 2022 to ₹4,609 Cr in FY 2023, reflecting an effective interest rate strategy. The consistent quarterly revenue growth, averaging around ₹2,900 Cr in the latter half of FY 2024, positions the bank favorably against its peers in the sector, where growth rates typically hover around 10-15%. This robust revenue trajectory is a strong indicator of the bank’s expanding market share and operational efficiency.
Profitability and Efficiency Metrics
The profitability of Jammu & Kashmir Bank Ltd is underscored by its net profit, which stood at ₹2,090 Cr for the latest fiscal year, showcasing a significant recovery compared to previous periods. The bank’s earnings per share (EPS) rose to ₹18.91 in FY 2025 from ₹5.30 in FY 2022, reflecting strong earnings growth. The return on equity (ROE) was reported at 15.8%, while the return on capital employed (ROCE) was 6.15%, both of which are critical metrics of operational efficiency. The bank’s net profit margin improved to 16.63% in FY 2025, indicating effective cost management and profitability enhancement strategies. However, the operating profit margin (OPM) remains unavailable, which limits the assessment of operational efficiency compared to sector norms. Overall, while the bank’s profitability metrics show a positive trend, a focus on improving ROCE could yield further operational gains.
Balance Sheet Strength and Financial Ratios
Jammu & Kashmir Bank Ltd’s balance sheet reflects a solid foundation, with total assets reported at ₹169,424 Cr and reserves of ₹14,098 Cr as of FY 2025. The bank’s equity capital has steadily increased, reaching ₹110 Cr in the same period. The price-to-book value ratio stood at 0.78, indicating that the stock is trading below its book value, which may attract value-focused investors. The bank’s net interest margin was reported at 3.42, which is competitive within the sector. However, the cost-to-income ratio at 57.75% suggests room for improvement in operational efficiency, especially when compared to more efficient peers that typically operate below 50%. The bank’s financial ratios exemplify a robust structure, but ongoing monitoring of operational costs and asset quality is crucial for sustaining growth and profitability.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Jammu & Kashmir Bank Ltd reveals a diverse ownership structure, with promoters holding 59.40% of the shares, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) account for 7.85% and 5.76%, respectively. The public’s stake is 26.98%, indicating a healthy distribution of shares among different investor classes. Over the past year, promoter holdings have decreased from 68.03% in Dec 2022 to the current level, which may reflect a strategic move to enhance liquidity and attract institutional investors. The increase in FIIs from 1.96% to 7.85% since Dec 2022 suggests growing confidence among foreign investors, potentially driven by the bank’s improving financial performance. The rising number of shareholders, which stands at 2,61,978 as of Sep 2025, indicates increasing retail interest in the bank’s stock.
Outlook, Risks, and Final Insight
The outlook for Jammu & Kashmir Bank Ltd appears positive, with consistent revenue and profit growth, positioning it favorably against sector competitors. However, the bank faces risks related to rising operational costs, as reflected in its relatively high cost-to-income ratio, and potential fluctuations in asset quality, which could impact profitability. Additionally, the dependence on interest income in a potentially volatile interest rate environment poses a risk to earnings stability. The bank’s ability to navigate these challenges while maintaining its growth trajectory will be crucial. If it can effectively manage costs and improve operational efficiency, it may enhance its competitive edge. Conversely, failure to address these operational challenges could hinder its growth prospects and investor confidence, underscoring the need for strategic focus on efficiency and risk management moving forward.
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 | 2,314 Cr. | 278 | 372/180 | 28.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,394 Cr. | 27.0 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,255 Cr. | 278 | 331/250 | 9.28 | 307 | 1.44 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 70,344 Cr. | 22.4 | 24.3/16.0 | 24.8 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,495 Cr. | 54.2 | 55.2/30.8 | 25.2 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,683.09 Cr | 415.43 | 18.33 | 241.49 | 0.60% | 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: November 15, 2025, 4:18 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 | 12,986 |
| 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 | 7,089 |
| 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 | 4,093 |
| Financing Profit | 1,435 | 316 | 245 | -1,919 | -283 | -55 | -1,527 | -30 | 137 | 1,178 | 1,768 | 1,960 | 1,804 |
| 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 | 1,058 |
| 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 | 2,862 |
| 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 | 2,090 |
| 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 | 18.97 |
| 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
| 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
| 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: 5.53 (Industry average Stock P/E: 18.33)
- 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 25 November 2025) is 97.01 which is 7.61% lower the current market price of 105.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 11,566 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 11,566 Cr..
What is the current Stock Price of Jammu & Kashmir Bank Ltd as on 25 November 2025?
The current stock price of Jammu & Kashmir Bank Ltd as on 25 November 2025 is 105.
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 5.53.
What is the Book Value of Jammu & Kashmir Bank Ltd?
The Book Value of Jammu & Kashmir Bank Ltd is 136.
What is the Dividend Yield of Jammu & Kashmir Bank Ltd?
The Dividend Yield of Jammu & Kashmir Bank Ltd is 2.05 %.
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.