Share Price and Basic Stock Data
Last Updated: December 24, 2025, 3:15 am
| 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 (J&K Bank) operates within the private sector banking industry, with a current market capitalization of ₹11,015 Cr. The bank reported a revenue of ₹9,355 Cr for the financial year ending March 2023, which is an increase from ₹8,013 Cr in the previous year. This upward trend in revenue is expected to continue, with revenues projected to reach ₹12,541 Cr by March 2025, indicating a growth trajectory of approximately 34% over two years. Quarterly revenues have shown consistent growth, rising from ₹2,103 Cr in June 2022 to ₹2,764 Cr in September 2023. The bank’s ability to increase its interest income, which rose to ₹4,609 Cr in FY 2023 from ₹4,101 Cr in FY 2022, has played a significant role in this revenue growth. The bank’s focus on expanding its customer base and enhancing digital banking services is likely to contribute positively to future revenue performance.
Profitability and Efficiency Metrics
J&K Bank’s profitability metrics indicate strong performance, with a reported net profit of ₹2,090 Cr for FY 2025, a marked increase from ₹1,181 Cr in FY 2014. The net profit margin stood at 16.63% for FY 2025, reflecting effective cost management and robust revenue growth. The return on equity (ROE) was reported at 15.8%, which is relatively high compared to typical sector norms, demonstrating efficient utilization of shareholders’ funds. The bank’s financing margin improved significantly, reaching 16% by March 2025, up from a mere 2% in March 2022. Furthermore, the cost-to-income ratio has improved to 57.75%, a notable decline from 66.24% in FY 2023, indicating enhanced operational efficiency. However, the bank’s return on capital employed (ROCE) remains lower at 6.15%, suggesting room for improvement in asset utilization to generate profits.
Balance Sheet Strength and Financial Ratios
The balance sheet of J&K Bank reflects a solid financial foundation, with total assets increasing from ₹130,576 Cr in FY 2022 to ₹169,424 Cr in FY 2025. The bank’s equity capital remained stable at ₹110 Cr, while reserves grew significantly to ₹14,826 Cr by September 2025 from ₹9,793 Cr in FY 2023, indicating a robust capacity to absorb shocks. The bank’s total liabilities also increased to ₹169,424 Cr, driven by a rise in deposits, which reached ₹148,552 Cr by FY 2025. Financial ratios, such as the price-to-earnings (P/E) ratio of 5.27, suggest that the stock may be undervalued compared to its earnings potential. However, the absence of certain metrics like gross and net NPA percentages raises concerns about asset quality, which is critical for long-term sustainability. Overall, the bank’s liquidity and solvency appear strong, but careful monitoring of asset quality will be essential moving forward.
Shareholding Pattern and Investor Confidence
The shareholding pattern of J&K Bank indicates a diversified ownership structure, with promoters holding 59.40% as of March 2025. This substantial promoter stake reflects confidence in the bank’s management and strategic direction. Foreign Institutional Investors (FIIs) have increased their stake to 7.85%, up from just 1.96% in December 2022, signaling growing international interest. Domestic Institutional Investors (DIIs) have also shown increased participation, holding 5.76% of the shares. The public shareholding has slightly declined to 26.98%, indicating a shift towards institutional ownership. The total number of shareholders has risen significantly to 2,61,978 by September 2025, further demonstrating investor interest. This shift towards institutional ownership potentially indicates a more stable investor base, which can contribute to reduced volatility in the bank’s stock price and enhance long-term growth prospects.
Outlook, Risks, and Final Insight
Looking ahead, J&K Bank’s growth trajectory appears promising, supported by strong revenue growth and improved profitability metrics. However, potential risks include the bank’s asset quality, particularly in light of missing NPA data, which could impact future earnings if not managed effectively. Additionally, competition from other private sector banks could pressure margins and market share. The bank’s strategic initiatives in digital banking and expanding its customer base are key strengths that may mitigate these risks. Overall, if the bank maintains its focus on operational efficiency and continues to strengthen its asset quality, it could see sustained growth in shareholder value. The potential for regulatory changes in the banking sector could also impact the bank’s operations, necessitating a proactive approach from management to adapt to evolving conditions.
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 | 2,155 Cr. | 259 | 345/180 | 26.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,369 Cr. | 26.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,198 Cr. | 264 | 331/250 | 8.86 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,215 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,326 Cr. | 53.3 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,807.30 Cr | 416.80 | 18.42 | 241.49 | 0.59% | 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: 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: December 4, 2025, 2:06 am
| 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: 5.27 (Industry average Stock P/E: 18.42)
- 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 24 December 2025) is 92.54 which is 7.46% lower the current market price of 100.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 11,015 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 11,015 Cr..
What is the current Stock Price of Jammu & Kashmir Bank Ltd as on 24 December 2025?
The current stock price of Jammu & Kashmir Bank Ltd as on 24 December 2025 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 5.27.
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 2.15 %.
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.