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- J&K BANK - CAPITAL SMALL FINANCE BANK LTD.
J&K BANK vs CAPITAL SMALL FINANCE BANK LTD. - Comparison Results
Current Valuations
| J&K BANK | CAPITAL SMALL FINANCE BANK LTD. | J&K BANK/ CAPITAL SMALL FINANCE BANK LTD. |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | - | - | View Chart |
| P/BV | x | 1.5 | 2.6 | 58.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.3 | 108.4% |
Financials
 J&K BANK  CAPITAL SMALL FINANCE BANK LTD. |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
CAPITAL SMALL FINANCE BANK LTD. Mar-23 |
J&K BANK/ CAPITAL SMALL FINANCE BANK LTD. |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | NA | - | |
| Low | Rs | 24 | NA | - | |
| Income per share (Unadj.) | Rs | 90.7 | 197.4 | 46.0% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 27.3 | 41.9% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 85.2 | 54.1% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 1.20 | 41.7% | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 178.3 | 53.8% | |
| Shares outstanding (eoy) | m | 1,031.48 | 34.25 | 3,011.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0 | - | |
| Avg P/E ratio | x | 3.8 | 0 | - | |
| Avg P/CF ratio | x | 2.4 | 0 | - | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0 | - | |
| Dividend payout | % | 4.4 | 4.4 | 99.5% | |
| Avg Mkt Cap | Rs m | 44,637 | 0 | - | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 1,180 | 2,295.7% | |
| 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 | 6,760 | 1,383.9% | |
| Other income | Rs m | 7,652 | 495 | 1,546.7% | |
| Interest expense | Rs m | 46,094 | 3,540 | 1,302.0% | |
| Net interest income | Rs m | 47,458 | 3,220 | 1,473.9% | |
| Operating expense | Rs m | 36,509 | 2,228 | 1,639.0% | |
| Gross profit | Rs m | 10,949 | 992 | 1,103.4% | |
| Gross profit margin | % | 11.7 | 14.7 | 79.7% | |
| Provisions/contingencies | Rs m | 6,616 | 551 | 1,200.5% | |
| Profit before tax | Rs m | 17,856 | 1,242 | 1,438.2% | |
| 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 | 306 | 1,920.7% | |
| Profit after tax | Rs m | 11,805 | 936 | 1,261.3% | |
| Net profit margin | % | 12.6 | 13.8 | 91.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 54,287 | 1,515.6% | |
| Deposits | Rs m | 1,220,272 | 65,606 | 1,860.0% | |
| Credit/Deposit ratio | x | 67.4 | 82.7 | 81.5% | |
| Yield on advances | % | 8.5 | 9.8 | 86.6% | |
| Cost of deposits | % | 3.6 | 4.7 | 75.1% | |
| Net Interest Margin | % | 4.1 | 4.7 | 87.1% | |
| Net fixed assets | Rs m | 22,244 | 826 | 2,693.2% | |
| Share capital | Rs m | 1,032 | 343 | 301.2% | |
| Free reserves | Rs m | 97,932 | 5,764 | 1,699.1% | |
| Net worth | Rs m | 98,963 | 6,106 | 1,620.7% | |
| Borrowings | Rs m | 28,923 | 7,214 | 400.9% | |
| Investments | Rs m | 347,804 | 14,886 | 2,336.5% | |
| Total assets | Rs m | 1,459,126 | 79,908 | 1,826.0% | |
| Debt/equity ratio | x | 12.6 | 11.9 | 105.8% | |
| Return on assets | % | 0.8 | 1.2 | 69.1% | |
| Return on equity | % | 11.9 | 15.3 | 77.8% | |
| Capital adequacy ratio | % | 15.4 | 18.9 | 81.7% | |
| Net NPAs | % | 1.6 | 1.4 | 119.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -1,074 | 378.9% | |
| From Investments | Rs m | -1,235 | -197 | 628.2% | |
| From Financial Activity | Rs m | 6,376 | 2,215 | 287.8% | |
| Net Cashflow | Rs m | 1,070 | 944 | 113.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 18.9 | 315.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 34.5 | 43.2% | |
| FIIs | % | 7.0 | 1.4 | 506.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 81.2 | 50.0% | |
| Shareholders | 215,294 | 89,964 | 239.3% | ||
| 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 CAPITAL SMALL FINANCE BANK LTD.
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 CAPITAL SMALL FINANCE BANK LTD. Share Price Performance
| Period | J&K Bank | CAPITAL SMALL FINANCE BANK LTD. | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.53% | -0.47% | 1.68% |
| 1-Month | -2.42% | -1.66% | 3.02% |
| 1-Year | 130.00% | -20.29% | 13.22% |
| 3-Year CAGR | 77.13% | -7.28% | 13.18% |
| 5-Year CAGR | 16.89% | -4.43% | 10.75% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the CAPITAL SMALL FINANCE BANK LTD. share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of CAPITAL SMALL FINANCE BANK LTD. the stake stands at 18.9%.
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 CAPITAL SMALL FINANCE BANK LTD..
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%.
CAPITAL SMALL FINANCE BANK LTD. paid Rs 1.2, and its dividend payout ratio stood at 4.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of CAPITAL SMALL FINANCE BANK LTD..
For a sector overview, read our banking sector report.
Today's Market
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