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J&K BANK vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    J&K BANK BANK OF BARODA J&K BANK/
BANK OF BARODA
 
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%  

Financials

 J&K BANK   BANK OF BARODA
EQUITY SHARE DATA
    J&K BANK
Mar-23
BANK OF BARODA
Mar-23
J&K BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs63197 31.8%   
Low Rs2490 26.5%   
Income per share (Unadj.) Rs90.7182.0 49.8%  
Earnings per share (Unadj.) Rs11.428.8 39.7%  
Cash flow per share (Unadj.) Rs46.169.5 66.4%  
Dividends per share (Unadj.) Rs0.505.50 9.1%  
Avg Dividend yield %1.23.8 30.2%  
Book value per share (Unadj.) Rs95.9203.1 47.2%  
Shares outstanding (eoy) m1,031.485,171.36 19.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.8 60.5%   
Avg P/E ratio x3.85.0 75.9%  
Avg P/CF ratio x2.42.4 99.3%  
Avg Price/Bookvalue ratio x0.50.7 63.8%  
Dividend payout %4.419.1 22.9%   
Avg Mkt Cap Rs m44,637742,349 6.0%   
No. of employees `000NANA-   
Total wages & salary Rs m27,086143,427 18.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m93,552941,386 9.9%  
Other income Rs m7,652166,394 4.6%   
Interest expense Rs m46,094499,422 9.2%   
Net interest income Rs m47,458441,964 10.7%  
Operating expense Rs m36,509306,445 11.9%   
Gross profit Rs m10,949135,520 8.1%  
Gross profit margin %11.714.4 81.3%  
Provisions/contingencies Rs m6,616155,035 4.3%   
Profit before tax Rs m17,856205,645 8.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,000 -0.0%   
Prior Period Items Rs m-1813,173 -5.7%   
Tax Rs m5,87058,767 10.0%   
Profit after tax Rs m11,805149,052 7.9%  
Net profit margin %12.615.8 79.7%  
BALANCE SHEET DATA
Advances Rs m822,7769,636,518 8.5%   
Deposits Rs m1,220,27212,346,820 9.9%  
Credit/Deposit ratio x67.478.0 86.4%  
Yield on advances %8.56.8 124.6%   
Cost of deposits %3.63.5 102.7%   
Net Interest Margin %4.13.2 124.9%  
Net fixed assets Rs m22,24488,760 25.1%   
Share capital Rs m1,03210,355 10.0%   
Free reserves Rs m97,9321,040,192 9.4%   
Net worth Rs m98,9631,050,547 9.4%   
Borrowings Rs m28,9231,079,102 2.7%   
Investments Rs m347,8043,974,872 8.8%   
Total assets Rs m1,459,12615,258,790 9.6%  
Debt/equity ratio x12.612.8 98.8%   
Return on assets %0.81.0 82.8%  
Return on equity %11.914.2 84.1%  
Capital adequacy ratio %15.416.2 94.9%  
Net NPAs %1.60.9 182.0%  
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 m6,376-54,884 -11.6%  
Net Cashflow Rs m1,070-278,552 -0.4%  

Share Holding

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   HDFC BANK    ICICI BANK    AXIS BANK    SBI    PNB    


More on J&K Bank vs Bank of Baroda

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

J&K Bank vs Bank of Baroda Share Price Performance

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.



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