J&K BANK | BANK OF BARODA | J&K BANK/ BANK OF BARODA |
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P/E (TTM) | x | 9.2 | 7.4 | 124.4% | View Chart |
P/BV | x | 1.5 | 1.3 | 114.6% | View Chart |
Dividend Yield | % | 0.4 | 2.1 | 17.9% |
J&K BANK BANK OF BARODA |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
BANK OF BARODA Mar-23 |
J&K BANK/ BANK OF BARODA |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 197 | 31.8% | |
Low | Rs | 24 | 90 | 26.5% | |
Income per share (Unadj.) | Rs | 90.7 | 182.0 | 49.8% | |
Earnings per share (Unadj.) | Rs | 11.4 | 28.8 | 39.7% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 69.5 | 66.4% | |
Dividends per share (Unadj.) | Rs | 0.50 | 5.50 | 9.1% | |
Avg Dividend yield | % | 1.2 | 3.8 | 30.2% | |
Book value per share (Unadj.) | Rs | 95.9 | 203.1 | 47.2% | |
Shares outstanding (eoy) | m | 1,031.48 | 5,171.36 | 19.9% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 0.8 | 60.5% | |
Avg P/E ratio | x | 3.8 | 5.0 | 75.9% | |
Avg P/CF ratio | x | 2.4 | 2.4 | 99.3% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.7 | 63.8% | |
Dividend payout | % | 4.4 | 19.1 | 22.9% | |
Avg Mkt Cap | Rs m | 44,637 | 742,349 | 6.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 143,427 | 18.9% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 93,552 | 941,386 | 9.9% | |
Other income | Rs m | 7,652 | 166,394 | 4.6% | |
Interest expense | Rs m | 46,094 | 499,422 | 9.2% | |
Net interest income | Rs m | 47,458 | 441,964 | 10.7% | |
Operating expense | Rs m | 36,509 | 306,445 | 11.9% | |
Gross profit | Rs m | 10,949 | 135,520 | 8.1% | |
Gross profit margin | % | 11.7 | 14.4 | 81.3% | |
Provisions/contingencies | Rs m | 6,616 | 155,035 | 4.3% | |
Profit before tax | Rs m | 17,856 | 205,645 | 8.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -1,000 | -0.0% | |
Prior Period Items | Rs m | -181 | 3,173 | -5.7% | |
Tax | Rs m | 5,870 | 58,767 | 10.0% | |
Profit after tax | Rs m | 11,805 | 149,052 | 7.9% | |
Net profit margin | % | 12.6 | 15.8 | 79.7% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 9,636,518 | 8.5% | |
Deposits | Rs m | 1,220,272 | 12,346,820 | 9.9% | |
Credit/Deposit ratio | x | 67.4 | 78.0 | 86.4% | |
Yield on advances | % | 8.5 | 6.8 | 124.6% | |
Cost of deposits | % | 3.6 | 3.5 | 102.7% | |
Net Interest Margin | % | 4.1 | 3.2 | 124.9% | |
Net fixed assets | Rs m | 22,244 | 88,760 | 25.1% | |
Share capital | Rs m | 1,032 | 10,355 | 10.0% | |
Free reserves | Rs m | 97,932 | 1,040,192 | 9.4% | |
Net worth | Rs m | 98,963 | 1,050,547 | 9.4% | |
Borrowings | Rs m | 28,923 | 1,079,102 | 2.7% | |
Investments | Rs m | 347,804 | 3,974,872 | 8.8% | |
Total assets | Rs m | 1,459,126 | 15,258,790 | 9.6% | |
Debt/equity ratio | x | 12.6 | 12.8 | 98.8% | |
Return on assets | % | 0.8 | 1.0 | 82.8% | |
Return on equity | % | 11.9 | 14.2 | 84.1% | |
Capital adequacy ratio | % | 15.4 | 16.2 | 94.9% | |
Net NPAs | % | 1.6 | 0.9 | 182.0% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -4,071 | -212,706 | 1.9% | |
From Investments | Rs m | -1,235 | -10,963 | 11.3% | |
From Financial Activity | Rs m | 6,376 | -54,884 | -11.6% | |
Net Cashflow | Rs m | 1,070 | -278,552 | -0.4% |
Indian Promoters | % | 59.4 | 64.0 | 92.9% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 13.6 | 28.3 | 48.2% | |
FIIs | % | 5.8 | 12.3 | 47.3% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 36.0 | 112.7% | |
Shareholders | 204,193 | 1,289,443 | 15.8% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK ICICI BANK AXIS BANK SBI PNB
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | J&K Bank | Bank of Baroda | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.10% | 2.07% | 0.82% |
1-Month | -2.83% | 0.96% | 2.48% |
1-Year | 193.99% | 64.35% | 19.28% |
3-Year CAGR | 72.73% | 54.03% | 12.00% |
5-Year CAGR | 20.41% | 15.31% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Bank of Baroda share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of Bank of Baroda.
Finally, a word on dividends...
In the most recent financial year, J&K Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 4.4%.
Bank of Baroda paid Rs 5.5, and its dividend payout ratio stood at 19.1%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Bank of Baroda.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.