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- J&K BANK - BANDHAN BANK
J&K BANK vs BANDHAN BANK - Comparison Results
Current Valuations
| J&K BANK | BANDHAN BANK | J&K BANK/ BANDHAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.8 | 9.4 | 93.7% | View Chart |
| P/BV | x | 1.4 | 1.4 | 99.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.9 | 45.2% |
Financials
 J&K BANK  BANDHAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
BANDHAN BANK Mar-23 |
J&K BANK/ BANDHAN BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 350 | 18.0% | |
| Low | Rs | 24 | 182 | 13.1% | |
| Income per share (Unadj.) | Rs | 90.7 | 98.7 | 91.9% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 13.6 | 84.0% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 16.3 | 282.1% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 1.50 | 33.3% | |
| Avg Dividend yield | % | 1.2 | 0.6 | 204.8% | |
| Book value per share (Unadj.) | Rs | 95.9 | 121.5 | 79.0% | |
| Shares outstanding (eoy) | m | 1,031.48 | 1,610.84 | 64.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 2.7 | 17.7% | |
| Avg P/E ratio | x | 3.8 | 19.5 | 19.4% | |
| Avg P/CF ratio | x | 2.4 | 6.0 | 40.1% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 2.2 | 20.6% | |
| Dividend payout | % | 4.4 | 11.0 | 39.7% | |
| Avg Mkt Cap | Rs m | 44,637 | 428,241 | 10.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 27,151 | 99.8% | |
| 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 | 159,047 | 58.8% | |
| Other income | Rs m | 7,652 | 24,686 | 31.0% | |
| Interest expense | Rs m | 46,094 | 66,451 | 69.4% | |
| Net interest income | Rs m | 47,458 | 92,596 | 51.3% | |
| Operating expense | Rs m | 36,509 | 46,368 | 78.7% | |
| Gross profit | Rs m | 10,949 | 46,228 | 23.7% | |
| Gross profit margin | % | 11.7 | 29.1 | 40.3% | |
| Provisions/contingencies | Rs m | 6,616 | 48,967 | 13.5% | |
| Profit before tax | Rs m | 17,856 | 28,930 | 61.7% | |
| 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 | 6,983 | 84.1% | |
| Profit after tax | Rs m | 11,805 | 21,946 | 53.8% | |
| Net profit margin | % | 12.6 | 13.8 | 91.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 1,047,568 | 78.5% | |
| Deposits | Rs m | 1,220,272 | 1,080,693 | 112.9% | |
| Credit/Deposit ratio | x | 67.4 | 96.9 | 69.6% | |
| Yield on advances | % | 8.5 | 13.1 | 64.7% | |
| Cost of deposits | % | 3.6 | 5.0 | 70.7% | |
| Net Interest Margin | % | 4.1 | 6.8 | 60.0% | |
| Net fixed assets | Rs m | 22,244 | 5,089 | 437.1% | |
| Share capital | Rs m | 1,032 | 16,108 | 6.4% | |
| Free reserves | Rs m | 97,932 | 179,614 | 54.5% | |
| Net worth | Rs m | 98,963 | 195,722 | 50.6% | |
| Borrowings | Rs m | 28,923 | 247,108 | 11.7% | |
| Investments | Rs m | 347,804 | 323,659 | 107.5% | |
| Total assets | Rs m | 1,459,126 | 1,557,700 | 93.7% | |
| Debt/equity ratio | x | 12.6 | 6.8 | 186.1% | |
| Return on assets | % | 0.8 | 1.4 | 57.4% | |
| Return on equity | % | 11.9 | 11.2 | 106.4% | |
| Capital adequacy ratio | % | 15.4 | 19.8 | 78.0% | |
| Net NPAs | % | 1.6 | 1.2 | 138.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -42,446 | 9.6% | |
| From Investments | Rs m | -1,235 | -16,179 | 7.6% | |
| From Financial Activity | Rs m | 6,376 | 47,913 | 13.3% | |
| Net Cashflow | Rs m | 1,070 | -10,713 | -10.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 40.0 | 148.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 43.7 | 34.1% | |
| FIIs | % | 7.0 | 31.2 | 22.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 60.0 | 67.6% | |
| Shareholders | 215,294 | 724,153 | 29.7% | ||
| 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 BANDHAN 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 BANDHAN BANK Share Price Performance
| Period | J&K Bank | BANDHAN BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.10% | 0.26% | 1.02% |
| 1-Month | -2.69% | -3.66% | 2.05% |
| 1-Year | 152.51% | -18.86% | 12.30% |
| 3-Year CAGR | 77.48% | -17.09% | 14.92% |
| 5-Year CAGR | 16.99% | -20.90% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the BANDHAN 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 BANDHAN BANK the stake stands at 40.0%.
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 BANDHAN 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%.
BANDHAN BANK paid Rs 1.5, and its dividend payout ratio stood at 11.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of BANDHAN BANK.
For a sector overview, read our banking sector report.
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