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- Indian - banking
- J&K BANK - PNB
J&K BANK vs PNB - Comparison Results
Current Valuations
| J&K BANK | PNB | J&K BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.8 | 20.3 | 43.4% | View Chart |
| P/BV | x | 1.4 | 1.4 | 104.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.5 | 76.9% |
Financials
 J&K BANK  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
PNB Mar-23 |
J&K BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 62 | 101.1% | |
| Low | Rs | 24 | 28 | 84.8% | |
| Income per share (Unadj.) | Rs | 90.7 | 78.9 | 115.0% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 3.0 | 376.4% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 8.7 | 528.2% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0.65 | 76.9% | |
| Avg Dividend yield | % | 1.2 | 1.4 | 80.1% | |
| Book value per share (Unadj.) | Rs | 95.9 | 93.4 | 102.7% | |
| Shares outstanding (eoy) | m | 1,031.48 | 11,011.02 | 9.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.6 | 83.5% | |
| Avg P/E ratio | x | 3.8 | 14.8 | 25.5% | |
| Avg P/CF ratio | x | 2.4 | 2.1 | 113.4% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 93.5% | |
| Dividend payout | % | 4.4 | 21.4 | 20.4% | |
| Avg Mkt Cap | Rs m | 44,637 | 496,046 | 9.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 149,426 | 18.1% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 93,552 | 868,453 | 10.8% | |
| Other income | Rs m | 7,652 | 122,396 | 6.3% | |
| Interest expense | Rs m | 46,094 | 518,170 | 8.9% | |
| Net interest income | Rs m | 47,458 | 350,283 | 13.5% | |
| Operating expense | Rs m | 36,509 | 243,357 | 15.0% | |
| Gross profit | Rs m | 10,949 | 106,926 | 10.2% | |
| Gross profit margin | % | 11.7 | 12.3 | 95.1% | |
| Provisions/contingencies | Rs m | 6,616 | 198,629 | 3.3% | |
| Profit before tax | Rs m | 17,856 | 48,614 | 36.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -103 | -0.0% | |
| Prior Period Items | Rs m | -181 | 2,894 | -6.2% | |
| Tax | Rs m | 5,870 | 17,921 | 32.8% | |
| Profit after tax | Rs m | 11,805 | 33,485 | 35.3% | |
| Net profit margin | % | 12.6 | 3.9 | 327.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 8,374,590 | 9.8% | |
| Deposits | Rs m | 1,220,272 | 12,903,471 | 9.5% | |
| Credit/Deposit ratio | x | 67.4 | 64.9 | 103.9% | |
| Yield on advances | % | 8.5 | 6.9 | 123.3% | |
| Cost of deposits | % | 3.6 | 3.6 | 97.9% | |
| Net Interest Margin | % | 4.1 | 2.8 | 145.2% | |
| Net fixed assets | Rs m | 22,244 | 120,840 | 18.4% | |
| Share capital | Rs m | 1,032 | 22,022 | 4.7% | |
| Free reserves | Rs m | 97,932 | 1,006,783 | 9.7% | |
| Net worth | Rs m | 98,963 | 1,028,805 | 9.6% | |
| Borrowings | Rs m | 28,923 | 701,486 | 4.1% | |
| Investments | Rs m | 347,804 | 4,169,138 | 8.3% | |
| Total assets | Rs m | 1,459,126 | 14,936,490 | 9.8% | |
| Debt/equity ratio | x | 12.6 | 13.2 | 95.5% | |
| Return on assets | % | 0.8 | 0.2 | 360.9% | |
| Return on equity | % | 11.9 | 3.3 | 366.5% | |
| Capital adequacy ratio | % | 15.4 | 15.5 | 99.4% | |
| Net NPAs | % | 1.6 | 2.7 | 59.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 225,921 | -1.8% | |
| From Investments | Rs m | -1,235 | -7,325 | 16.9% | |
| From Financial Activity | Rs m | 6,376 | 12,750 | 50.0% | |
| Net Cashflow | Rs m | 1,070 | 231,346 | 0.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 73.2 | 81.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 17.2 | 86.6% | |
| FIIs | % | 7.0 | 4.8 | 145.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 26.9 | 151.2% | |
| Shareholders | 215,294 | 2,353,625 | 9.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs PNB
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 PNB Share Price Performance
| Period | J&K Bank | PNB | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.10% | -0.96% | 1.02% |
| 1-Month | -2.69% | 10.08% | 2.05% |
| 1-Year | 152.51% | 164.54% | 12.30% |
| 3-Year CAGR | 77.48% | 57.01% | 14.92% |
| 5-Year CAGR | 16.99% | 8.18% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of PNB the stake stands at 73.2%.
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 PNB.
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%.
PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
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