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- Indian - banking
- DHANLAXMI BANK - J&K BANK
DHANLAXMI BANK vs J&K BANK - Comparison Results
Current Valuations
| DHANLAXMI BANK | J&K BANK | DHANLAXMI BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 12.1 | 9.1 | 133.4% | View Chart |
| P/BV | x | 1.2 | 1.5 | 79.2% | View Chart |
| Dividend Yield | % | 0.0 | 0.4 | - |
Financials
 DHANLAXMI BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| DHANLAXMI BANK Mar-23 |
J&K BANK Mar-23 |
DHANLAXMI BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 26 | 63 | 42.2% | |
| Low | Rs | 11 | 24 | 44.1% | |
| Income per share (Unadj.) | Rs | 42.3 | 90.7 | 46.7% | |
| Earnings per share (Unadj.) | Rs | 2.0 | 11.4 | 17.0% | |
| Cash flow per share (Unadj.) | Rs | 15.9 | 46.1 | 34.5% | |
| Dividends per share (Unadj.) | Rs | 0 | 0.50 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.2 | 0.0% | |
| Book value per share (Unadj.) | Rs | 38.0 | 95.9 | 39.6% | |
| Shares outstanding (eoy) | m | 253.01 | 1,031.48 | 24.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.4 | 0.5 | 91.5% | |
| Avg P/E ratio | x | 9.5 | 3.8 | 250.4% | |
| Avg P/CF ratio | x | 3.8 | 2.4 | 156.6% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 107.8% | |
| Dividend payout | % | 0 | 4.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 4,674 | 44,637 | 10.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 2,473 | 27,086 | 9.1% | |
| 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 | 10,712 | 93,552 | 11.5% | |
| Other income | Rs m | 745 | 7,652 | 9.7% | |
| Interest expense | Rs m | 5,955 | 46,094 | 12.9% | |
| Net interest income | Rs m | 4,758 | 47,458 | 10.0% | |
| Operating expense | Rs m | 4,271 | 36,509 | 11.7% | |
| Gross profit | Rs m | 487 | 10,949 | 4.4% | |
| Gross profit margin | % | 4.5 | 11.7 | 38.8% | |
| Provisions/contingencies | Rs m | 738 | 6,616 | 11.2% | |
| Profit before tax | Rs m | 494 | 17,856 | 2.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | -181 | -0.0% | |
| Tax | Rs m | 0 | 5,870 | 0.0% | |
| Profit after tax | Rs m | 494 | 11,805 | 4.2% | |
| Net profit margin | % | 4.6 | 12.6 | 36.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 94,515 | 822,776 | 11.5% | |
| Deposits | Rs m | 133,516 | 1,220,272 | 10.9% | |
| Credit/Deposit ratio | x | 70.8 | 67.4 | 105.0% | |
| Yield on advances | % | 8.7 | 8.5 | 102.7% | |
| Cost of deposits | % | 4.3 | 3.6 | 119.3% | |
| Net Interest Margin | % | 3.6 | 4.1 | 88.0% | |
| Net fixed assets | Rs m | 2,509 | 22,244 | 11.3% | |
| Share capital | Rs m | 2,530 | 1,032 | 245.3% | |
| Free reserves | Rs m | 7,081 | 97,932 | 7.2% | |
| Net worth | Rs m | 9,612 | 98,963 | 9.7% | |
| Borrowings | Rs m | 4,924 | 28,923 | 17.0% | |
| Investments | Rs m | 38,886 | 347,804 | 11.2% | |
| Total assets | Rs m | 151,321 | 1,459,126 | 10.4% | |
| Debt/equity ratio | x | 14.4 | 12.6 | 114.1% | |
| Return on assets | % | 0.3 | 0.8 | 40.3% | |
| Return on equity | % | 5.1 | 11.9 | 43.1% | |
| Capital adequacy ratio | % | 12.3 | 15.4 | 79.9% | |
| Net NPAs | % | 1.2 | 1.6 | 71.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 2,164 | -4,071 | -53.2% | |
| From Investments | Rs m | -1,056 | -1,235 | 85.5% | |
| From Financial Activity | Rs m | NA | 6,376 | 0.0% | |
| Net Cashflow | Rs m | 1,108 | 1,070 | 103.6% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 6.2 | 14.9 | 41.5% | |
| FIIs | % | 6.1 | 7.0 | 87.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 212,869 | 215,294 | 98.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare DHANLAXMI BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Dhanlaxmi Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Dhanlaxmi Bank vs J&K Bank Share Price Performance
| Period | Dhanlaxmi Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.65% | 2.20% | 0.71% |
| 1-Month | 4.45% | 2.56% | 4.08% |
| 1-Year | 167.17% | 153.79% | 13.57% |
| 3-Year CAGR | 46.28% | 79.35% | 14.40% |
| 5-Year CAGR | 16.98% | 16.90% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Dhanlaxmi Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Dhanlaxmi Bank hold a 0.0% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Dhanlaxmi Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Dhanlaxmi Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.
You may visit here to review the dividend history of Dhanlaxmi Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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