Share Price and Basic Stock Data
Last Updated: January 13, 2026, 8:12 pm
| PEG Ratio | 0.18 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Jammu & Kashmir Bank Ltd operates in the private sector banking industry and reported a market capitalization of ₹11,472 Cr, with its stock price standing at ₹104. The bank’s revenues have shown a consistent upward trajectory, rising from ₹2,299 Cr in September 2022 to ₹2,764 Cr by September 2023. The revenue is projected to continue its growth, reaching ₹3,124 Cr by September 2024, and ₹3,293 Cr by September 2025. This growth is indicative of the bank’s expanding operational capabilities and increased market penetration. Notably, the bank’s interest income also reflected an upward trend, increasing from ₹1,095 Cr in September 2022 to ₹1,430 Cr in September 2023. The increase in both revenue and interest income reflects the bank’s effective asset-liability management and robust lending strategies, positioning it well against sectoral norms.
Profitability and Efficiency Metrics
Jammu & Kashmir Bank’s profitability metrics indicate a strong performance, with a net profit of ₹2,090 Cr reported for the latest financial year. The bank achieved an impressive return on equity (ROE) of 15.8%, significantly higher than the typical sector average, which often hovers around 10-12%. The return on capital employed (ROCE) stood at 6.15%, reflecting efficient use of capital in generating profits. The net profit margin for the bank was reported at 16.63% for the fiscal year ending March 2025, demonstrating its ability to convert revenues into actual profit effectively. However, the bank’s operating profit margin (OPM) is not available, which could limit a comprehensive assessment of its operational efficiency. The financing margin fluctuated, standing at 14% in September 2025, suggesting variability in profitability from lending activities, a critical area of focus for future growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Jammu & Kashmir Bank showcases significant strength, with total assets reported at ₹169,424 Cr as of March 2025. The bank’s reserves have grown from ₹5,674 Cr in March 2014 to ₹14,826 Cr by September 2025, indicating a solid capital base. The bank’s equity capital remained stable at ₹110 Cr since March 2024. The price-to-book value ratio stood at 0.78, suggesting the stock is currently undervalued relative to its book value, which may attract value investors. However, the absence of data on borrowings raises concerns about the bank’s leverage and liquidity management. The cost-to-income ratio at 57.75% reflects a reasonable level of operational efficiency, indicating that the bank is managing its costs effectively relative to its income generation.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Jammu & Kashmir Bank reveals a diverse ownership structure, with promoters holding 59.40% of the equity, a reduction from 68.03% in December 2022. Foreign institutional investors (FIIs) increased their stake to 7.85%, while domestic institutional investors (DIIs) held 5.76% as of September 2025. The public’s ownership stood at 26.98%, indicating a healthy level of retail investor participation. The total number of shareholders increased significantly from 1,69,558 in December 2022 to 2,61,978 by September 2025, reflecting growing investor interest and confidence in the bank’s financial stability and growth prospects. This diversification in ownership is crucial, as it can lead to enhanced governance and stability in stock performance.
Outlook, Risks, and Final Insight
The outlook for Jammu & Kashmir Bank appears optimistic, driven by its strong revenue growth and profitability metrics. The bank’s focus on expanding its lending portfolio and improving operational efficiency positions it favorably in the competitive banking landscape. However, potential risks include the absence of reported data on gross and net non-performing assets (NPAs), which could indicate underlying asset quality issues. Furthermore, the fluctuating financing margins suggest volatility in profitability that may arise from changing interest rates or competitive pressures. The bank must navigate these challenges while capitalizing on its strengths, such as solid reserve growth and increasing shareholder confidence. In scenarios where asset quality is maintained and operational efficiencies are improved, the bank could see substantial gains in market share and profitability moving forward.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,989 Cr. | 240 | 339/180 | 24.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,323 Cr. | 25.8 | 38.9/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,197 Cr. | 264 | 331/249 | 8.85 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,482 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,203 Cr. | 57.7 | 60.2/30.8 | 26.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,627.52 Cr | 423.30 | 18.48 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,299 | 2,441 | 2,512 | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,210 | 3,213 | 3,269 | 3,293 |
| Interest | 1,095 | 1,183 | 1,262 | 1,374 | 1,430 | 1,600 | 1,604 | 1,625 | 1,687 | 1,697 | 1,732 | 1,803 | 1,858 |
| Expenses | 945 | 984 | 793 | 1,062 | 982 | 906 | 705 | 954 | 980 | 996 | 1,078 | 1,061 | 958 |
| Financing Profit | 259 | 274 | 457 | 221 | 352 | 375 | 602 | 415 | 456 | 516 | 404 | 406 | 477 |
| Financing Margin % | 11% | 11% | 18% | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 14% |
| Other Income | 148 | 244 | 168 | 230 | 193 | 186 | 229 | 198 | 301 | 242 | 406 | 253 | 157 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 407 | 518 | 625 | 452 | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 |
| Tax % | 40% | 40% | 24% | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% |
| Net Profit | 240 | 307 | 473 | 331 | 384 | 423 | 633 | 418 | 553 | 529 | 582 | 485 | 495 |
| EPS in Rs | 2.49 | 3.19 | 4.58 | 3.21 | 3.72 | 3.84 | 5.75 | 3.80 | 5.02 | 4.80 | 5.28 | 4.40 | 4.49 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 28, 2025, 8:39 pm
Below is a detailed analysis of the quarterly data for Jammu & Kashmir Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 1,858.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,803.00 Cr. (Jun 2025) to 1,858.00 Cr., marking an increase of 55.00 Cr..
- For Expenses, as of Sep 2025, the value is 958.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,061.00 Cr. (Jun 2025) to 958.00 Cr., marking a decrease of 103.00 Cr..
- For Other Income, as of Sep 2025, the value is 157.00 Cr.. The value appears to be declining and may need further review. It has decreased from 253.00 Cr. (Jun 2025) to 157.00 Cr., marking a decrease of 96.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 635.00 Cr.. The value appears to be declining and may need further review. It has decreased from 659.00 Cr. (Jun 2025) to 635.00 Cr., marking a decrease of 24.00 Cr..
- For Tax %, as of Sep 2025, the value is 22.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 22.00%, marking a decrease of 4.00%.
- For Net Profit, as of Sep 2025, the value is 495.00 Cr.. The value appears strong and on an upward trend. It has increased from 485.00 Cr. (Jun 2025) to 495.00 Cr., marking an increase of 10.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.49. The value appears strong and on an upward trend. It has increased from 4.40 (Jun 2025) to 4.49, marking an increase of 0.09.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:31 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: January 7, 2026, 4:32 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 48 | 48 | 48 | 52 | 56 | 56 | 71 | 71 | 93 | 103 | 110 | 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 | 14,826 |
| 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 | 152,017 |
| 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 | 2,382 |
| 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 | 5,291 |
| 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 | 174,627 |
| Fixed Assets | 508 | 655 | 706 | 1,479 | 1,598 | 1,646 | 2,036 | 1,971 | 1,908 | 2,224 | 2,208 | 2,126 | 2,187 |
| CWIP | 27 | 34 | 59 | 64 | 17 | 29 | 35 | 41 | 46 | 47 | 50 | 66 | -0 |
| 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 | 44,209 |
| 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 | 128,231 |
| 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 | 174,627 |
Below is a detailed analysis of the balance sheet data for Jammu & Kashmir Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 110.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 110.00 Cr..
- For Reserves, as of Sep 2025, the value is 14,826.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,098.00 Cr. (Mar 2025) to 14,826.00 Cr., marking an increase of 728.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 5,291.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,280.00 Cr. (Mar 2025) to 5,291.00 Cr., marking an increase of 1,011.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 174,627.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 169,424.00 Cr. (Mar 2025) to 174,627.00 Cr., marking an increase of 5,203.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 2,187.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,126.00 Cr. (Mar 2025) to 2,187.00 Cr., marking an increase of 61.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 66.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 66.00 Cr..
- For Investments, as of Sep 2025, the value is 44,209.00 Cr.. The value appears strong and on an upward trend. It has increased from 41,122.00 Cr. (Mar 2025) to 44,209.00 Cr., marking an increase of 3,087.00 Cr..
- For Other Assets, as of Sep 2025, the value is 128,231.00 Cr.. The value appears strong and on an upward trend. It has increased from 126,110.00 Cr. (Mar 2025) to 128,231.00 Cr., marking an increase of 2,121.00 Cr..
- For Total Assets, as of Sep 2025, the value is 174,627.00 Cr.. The value appears strong and on an upward trend. It has increased from 169,424.00 Cr. (Mar 2025) to 174,627.00 Cr., marking an increase of 5,203.00 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 |
|---|---|---|---|---|---|---|
| Kotak Multicap Fund | 29,360,140 | 1.41 | 314.09 | 11,409,015 | 2025-11-03 03:37:58 | 157.34% |
| ITI Small Cap Fund | 2,480,713 | 0.94 | 26.54 | N/A | N/A | N/A |
| ITI ELSS Tax Saver Fund | 417,233 | 1.01 | 4.46 | N/A | N/A | N/A |
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
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: 5.28 (Industry average Stock P/E: 18.48)
- 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 | Contact not found |
| 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 13 January 2026) is ₹92.71 which is 7.29% lower the current market price of ₹100.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹11,044 Cr. market cap, FY2025-2026 high/low of ₹117/82.0, reserves of ₹14,826 Cr, and liabilities of ₹174,627 Cr.
What is the Market Cap of Jammu & Kashmir Bank Ltd?
The Market Cap of Jammu & Kashmir Bank Ltd is 11,044 Cr..
What is the current Stock Price of Jammu & Kashmir Bank Ltd as on 13 January 2026?
The current stock price of Jammu & Kashmir Bank Ltd as on 13 January 2026 is ₹100.
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 5.28.
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 2.14 %.
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.