J&K BANK | AU SMALL FINANCE BANK | J&K BANK/ AU SMALL FINANCE BANK |
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P/E (TTM) | x | 9.2 | 23.8 | 38.5% | View Chart |
P/BV | x | 1.5 | 3.5 | 43.1% | View Chart |
Dividend Yield | % | 0.4 | 0.2 | 211.0% |
J&K BANK AU SMALL FINANCE BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
AU SMALL FINANCE BANK Mar-23 |
J&K BANK/ AU SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 733 | 8.6% | |
Low | Rs | 24 | 539 | 4.4% | |
Income per share (Unadj.) | Rs | 90.7 | 123.1 | 73.7% | |
Earnings per share (Unadj.) | Rs | 11.4 | 21.4 | 53.4% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 70.7 | 65.2% | |
Dividends per share (Unadj.) | Rs | 0.50 | 1.00 | 50.0% | |
Avg Dividend yield | % | 1.2 | 0.2 | 734.7% | |
Book value per share (Unadj.) | Rs | 95.9 | 164.0 | 58.5% | |
Shares outstanding (eoy) | m | 1,031.48 | 666.75 | 154.7% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 5.2 | 9.2% | |
Avg P/E ratio | x | 3.8 | 29.7 | 12.7% | |
Avg P/CF ratio | x | 2.4 | 21.0 | 11.5% | |
Avg Price/Bookvalue ratio | x | 0.5 | 3.9 | 11.6% | |
Dividend payout | % | 4.4 | 4.7 | 93.6% | |
Avg Mkt Cap | Rs m | 44,637 | 423,950 | 10.5% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 17,930 | 151.1% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 93,552 | 82,054 | 114.0% | |
Other income | Rs m | 7,652 | 10,345 | 74.0% | |
Interest expense | Rs m | 46,094 | 37,801 | 121.9% | |
Net interest income | Rs m | 47,458 | 44,253 | 107.2% | |
Operating expense | Rs m | 36,509 | 34,403 | 106.1% | |
Gross profit | Rs m | 10,949 | 9,850 | 111.2% | |
Gross profit margin | % | 11.7 | 12.0 | 97.5% | |
Provisions/contingencies | Rs m | 6,616 | 5,916 | 111.8% | |
Profit before tax | Rs m | 17,856 | 18,646 | 95.8% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | -181 | 0 | - | |
Tax | Rs m | 5,870 | 4,367 | 134.4% | |
Profit after tax | Rs m | 11,805 | 14,279 | 82.7% | |
Net profit margin | % | 12.6 | 17.4 | 72.5% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 584,215 | 140.8% | |
Deposits | Rs m | 1,220,272 | 693,650 | 175.9% | |
Credit/Deposit ratio | x | 67.4 | 84.2 | 80.1% | |
Yield on advances | % | 8.5 | 11.7 | 72.6% | |
Cost of deposits | % | 3.6 | 4.8 | 74.1% | |
Net Interest Margin | % | 4.1 | 5.6 | 71.9% | |
Net fixed assets | Rs m | 22,244 | 7,073 | 314.5% | |
Share capital | Rs m | 1,032 | 6,667 | 15.5% | |
Free reserves | Rs m | 97,932 | 102,666 | 95.4% | |
Net worth | Rs m | 98,963 | 109,333 | 90.5% | |
Borrowings | Rs m | 28,923 | 62,987 | 45.9% | |
Investments | Rs m | 347,804 | 200,720 | 173.3% | |
Total assets | Rs m | 1,459,126 | 902,161 | 161.7% | |
Debt/equity ratio | x | 12.6 | 6.9 | 182.4% | |
Return on assets | % | 0.8 | 1.6 | 51.1% | |
Return on equity | % | 11.9 | 13.1 | 91.3% | |
Capital adequacy ratio | % | 15.4 | 23.6 | 65.3% | |
Net NPAs | % | 1.6 | 0.4 | 385.7% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | 54,936 | -7.4% | |
From Investments | Rs m | -1,235 | -43,195 | 2.9% | |
From Financial Activity | Rs m | 6,376 | 23,225 | 27.5% | |
Net Cashflow | Rs m | 1,070 | 34,967 | 3.1% |
Indian Promoters | % | 59.4 | 25.5 | 233.3% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 13.6 | 61.9 | 22.0% | |
FIIs | % | 5.8 | 41.1 | 14.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 74.5 | 54.5% | |
Shareholders | 204,193 | 155,660 | 131.2% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
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 | AU SMALL FINANCE BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.10% | 0.75% | 0.82% |
1-Month | -2.83% | -0.91% | 2.48% |
1-Year | 193.99% | 0.37% | 19.28% |
3-Year CAGR | 72.73% | -4.38% | 12.00% |
5-Year CAGR | 20.41% | 14.08% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the AU SMALL FINANCE 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 AU SMALL FINANCE BANK the stake stands at 25.5%.
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 AU SMALL FINANCE 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%.
AU SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 4.7%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of AU SMALL FINANCE BANK.
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.