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- Indian - banking
- J&K BANK - ALLAHABAD BANK
J&K BANK vs ALLAHABAD BANK - Comparison Results
Current Valuations
| J&K BANK | ALLAHABAD BANK | J&K BANK/ ALLAHABAD BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | -0.4 | - | View Chart |
| P/BV | x | 1.5 | 0.4 | 401.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  ALLAHABAD BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
ALLAHABAD BANK Mar-19 |
J&K BANK/ ALLAHABAD BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 59 | 106.7% | |
| Low | Rs | 24 | 33 | 71.6% | |
| Income per share (Unadj.) | Rs | 90.7 | 80.7 | 112.4% | |
| Earnings per share (Unadj.) | Rs | 11.4 | -40.3 | -28.4% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | -70.6 | -65.4% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 44.8 | 214.1% | |
| Shares outstanding (eoy) | m | 1,031.48 | 2,096.84 | 49.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.6 | 83.6% | |
| Avg P/E ratio | x | 3.8 | -1.1 | -331.4% | |
| Avg P/CF ratio | x | 2.4 | 3.6 | 66.9% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.0 | 43.9% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 96,507 | 46.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 25,512 | 106.2% | |
| 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 | 169,158 | 55.3% | |
| Other income | Rs m | 7,652 | 20,537 | 37.3% | |
| Interest expense | Rs m | 46,094 | 113,543 | 40.6% | |
| Net interest income | Rs m | 47,458 | 55,615 | 85.3% | |
| Operating expense | Rs m | 36,509 | 47,862 | 76.3% | |
| Gross profit | Rs m | 10,949 | 7,753 | 141.2% | |
| Gross profit margin | % | 11.7 | 4.6 | 255.3% | |
| Provisions/contingencies | Rs m | 6,616 | 111,233 | 5.9% | |
| Profit before tax | Rs m | 17,856 | -82,943 | -21.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | -181 | -1,631 | 11.1% | |
| Tax | Rs m | 5,870 | 0 | - | |
| Profit after tax | Rs m | 11,805 | -84,574 | -14.0% | |
| Net profit margin | % | 12.6 | -50.0 | -25.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 1,422,122 | 57.9% | |
| Deposits | Rs m | 1,220,272 | 2,143,301 | 56.9% | |
| Credit/Deposit ratio | x | 67.4 | 66.4 | 101.6% | |
| Yield on advances | % | 8.5 | 7.9 | 108.1% | |
| Cost of deposits | % | 3.6 | 5.0 | 71.7% | |
| Net Interest Margin | % | 4.1 | 2.5 | 162.2% | |
| Net fixed assets | Rs m | 22,244 | 35,516 | 62.6% | |
| Share capital | Rs m | 1,032 | 20,968 | 4.9% | |
| Free reserves | Rs m | 97,932 | 72,989 | 134.2% | |
| Net worth | Rs m | 98,963 | 93,957 | 105.3% | |
| Borrowings | Rs m | 28,923 | 124,957 | 23.1% | |
| Investments | Rs m | 347,804 | 802,377 | 43.3% | |
| Total assets | Rs m | 1,459,126 | 2,495,767 | 58.5% | |
| Debt/equity ratio | x | 12.6 | 24.1 | 52.3% | |
| Return on assets | % | 0.8 | -3.4 | -23.9% | |
| Return on equity | % | 11.9 | -90.0 | -13.3% | |
| Capital adequacy ratio | % | 15.4 | 12.5 | 123.2% | |
| Net NPAs | % | 1.6 | 5.2 | 31.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -158,251 | 2.6% | |
| From Investments | Rs m | -1,235 | -1,179 | 104.8% | |
| From Financial Activity | Rs m | 6,376 | 87,739 | 7.3% | |
| Net Cashflow | Rs m | 1,070 | -71,691 | -1.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 93.4 | 63.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 3.3 | 446.8% | |
| FIIs | % | 7.0 | 0.6 | 1,165.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 6.6 | 618.0% | |
| Shareholders | 215,294 | 234,964 | 91.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Allahabad Bank
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 Allahabad Bank Share Price Performance
| Period | J&K Bank | Allahabad Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.20% | -1.04% | 0.71% |
| 1-Month | 2.56% | -46.03% | 4.08% |
| 1-Year | 153.79% | -86.41% | 13.57% |
| 3-Year CAGR | 79.35% | -52.64% | 14.40% |
| 5-Year CAGR | 16.90% | -40.82% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Allahabad Bank share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Allahabad Bank the stake stands at 93.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of Allahabad Bank.
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%.
Allahabad Bank paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Allahabad Bank.
For a sector overview, read our banking sector report.
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