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J&K BANK vs AU SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    J&K BANK AU SMALL FINANCE BANK J&K BANK/
AU SMALL FINANCE BANK
 
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%  

Financials

 J&K BANK   AU SMALL FINANCE BANK
EQUITY SHARE DATA
    J&K BANK
Mar-23
AU SMALL FINANCE BANK
Mar-23
J&K BANK/
AU SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs63733 8.6%   
Low Rs24539 4.4%   
Income per share (Unadj.) Rs90.7123.1 73.7%  
Earnings per share (Unadj.) Rs11.421.4 53.4%  
Cash flow per share (Unadj.) Rs46.170.7 65.2%  
Dividends per share (Unadj.) Rs0.501.00 50.0%  
Avg Dividend yield %1.20.2 734.7%  
Book value per share (Unadj.) Rs95.9164.0 58.5%  
Shares outstanding (eoy) m1,031.48666.75 154.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.55.2 9.2%   
Avg P/E ratio x3.829.7 12.7%  
Avg P/CF ratio x2.421.0 11.5%  
Avg Price/Bookvalue ratio x0.53.9 11.6%  
Dividend payout %4.44.7 93.6%   
Avg Mkt Cap Rs m44,637423,950 10.5%   
No. of employees `000NANA-   
Total wages & salary Rs m27,08617,930 151.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m93,55282,054 114.0%  
Other income Rs m7,65210,345 74.0%   
Interest expense Rs m46,09437,801 121.9%   
Net interest income Rs m47,45844,253 107.2%  
Operating expense Rs m36,50934,403 106.1%   
Gross profit Rs m10,9499,850 111.2%  
Gross profit margin %11.712.0 97.5%  
Provisions/contingencies Rs m6,6165,916 111.8%   
Profit before tax Rs m17,85618,646 95.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m-1810-   
Tax Rs m5,8704,367 134.4%   
Profit after tax Rs m11,80514,279 82.7%  
Net profit margin %12.617.4 72.5%  
BALANCE SHEET DATA
Advances Rs m822,776584,215 140.8%   
Deposits Rs m1,220,272693,650 175.9%  
Credit/Deposit ratio x67.484.2 80.1%  
Yield on advances %8.511.7 72.6%   
Cost of deposits %3.64.8 74.1%   
Net Interest Margin %4.15.6 71.9%  
Net fixed assets Rs m22,2447,073 314.5%   
Share capital Rs m1,0326,667 15.5%   
Free reserves Rs m97,932102,666 95.4%   
Net worth Rs m98,963109,333 90.5%   
Borrowings Rs m28,92362,987 45.9%   
Investments Rs m347,804200,720 173.3%   
Total assets Rs m1,459,126902,161 161.7%  
Debt/equity ratio x12.66.9 182.4%   
Return on assets %0.81.6 51.1%  
Return on equity %11.913.1 91.3%  
Capital adequacy ratio %15.423.6 65.3%  
Net NPAs %1.60.4 385.7%  
CASH FLOW
From Operations Rs m-4,07154,936 -7.4%  
From Investments Rs m-1,235-43,195 2.9%  
From Financial Activity Rs m6,37623,225 27.5%  
Net Cashflow Rs m1,07034,967 3.1%  

Share Holding

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

Compare J&K BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on J&K Bank vs AU SMALL FINANCE 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 AU SMALL FINANCE BANK Share Price Performance

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.



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