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- Indian - banking
- J&K BANK - DHANLAXMI BANK
J&K BANK vs DHANLAXMI BANK - Comparison Results
Current Valuations
| J&K BANK | DHANLAXMI BANK | J&K BANK/ DHANLAXMI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 11.7 | 76.1% | View Chart |
| P/BV | x | 1.4 | 1.1 | 128.1% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  DHANLAXMI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
DHANLAXMI BANK Mar-23 |
J&K BANK/ DHANLAXMI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 26 | 237.2% | |
| Low | Rs | 24 | 11 | 226.7% | |
| Income per share (Unadj.) | Rs | 90.7 | 42.3 | 214.2% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 2.0 | 586.6% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 15.9 | 289.8% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 38.0 | 252.6% | |
| Shares outstanding (eoy) | m | 1,031.48 | 253.01 | 407.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.4 | 109.3% | |
| Avg P/E ratio | x | 3.8 | 9.5 | 39.9% | |
| Avg P/CF ratio | x | 2.4 | 3.8 | 63.9% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 92.7% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 4,674 | 954.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 2,473 | 1,095.5% | |
| 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 | 10,712 | 873.3% | |
| Other income | Rs m | 7,652 | 745 | 1,026.9% | |
| Interest expense | Rs m | 46,094 | 5,955 | 774.1% | |
| Net interest income | Rs m | 47,458 | 4,758 | 997.5% | |
| Operating expense | Rs m | 36,509 | 4,271 | 854.9% | |
| Gross profit | Rs m | 10,949 | 487 | 2,248.9% | |
| Gross profit margin | % | 11.7 | 4.5 | 257.5% | |
| Provisions/contingencies | Rs m | 6,616 | 738 | 895.9% | |
| Profit before tax | Rs m | 17,856 | 494 | 3,617.2% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 11,805 | 494 | 2,391.5% | |
| Net profit margin | % | 12.6 | 4.6 | 273.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 94,515 | 870.5% | |
| Deposits | Rs m | 1,220,272 | 133,516 | 913.9% | |
| Credit/Deposit ratio | x | 67.4 | 70.8 | 95.2% | |
| Yield on advances | % | 8.5 | 8.7 | 97.4% | |
| Cost of deposits | % | 3.6 | 4.3 | 83.8% | |
| Net Interest Margin | % | 4.1 | 3.6 | 113.7% | |
| Net fixed assets | Rs m | 22,244 | 2,509 | 886.7% | |
| Share capital | Rs m | 1,032 | 2,530 | 40.8% | |
| Free reserves | Rs m | 97,932 | 7,081 | 1,382.9% | |
| Net worth | Rs m | 98,963 | 9,612 | 1,029.6% | |
| Borrowings | Rs m | 28,923 | 4,924 | 587.4% | |
| Investments | Rs m | 347,804 | 38,886 | 894.4% | |
| Total assets | Rs m | 1,459,126 | 151,321 | 964.3% | |
| Debt/equity ratio | x | 12.6 | 14.4 | 87.6% | |
| Return on assets | % | 0.8 | 0.3 | 248.0% | |
| Return on equity | % | 11.9 | 5.1 | 232.3% | |
| Capital adequacy ratio | % | 15.4 | 12.3 | 125.1% | |
| Net NPAs | % | 1.6 | 1.2 | 139.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 2,164 | -188.1% | |
| From Investments | Rs m | -1,235 | -1,056 | 117.0% | |
| From Financial Activity | Rs m | 6,376 | NA | - | |
| Net Cashflow | Rs m | 1,070 | 1,108 | 96.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 6.2 | 241.2% | |
| FIIs | % | 7.0 | 6.1 | 114.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 215,294 | 212,869 | 101.1% | ||
| 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 Dhanlaxmi 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 Dhanlaxmi Bank Share Price Performance
| Period | J&K Bank | Dhanlaxmi Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.80% | -2.05% | -0.51% |
| 1-Month | -1.40% | -1.47% | 0.50% |
| 1-Year | 155.86% | 160.47% | 10.60% |
| 3-Year CAGR | 78.26% | 46.34% | 14.33% |
| 5-Year CAGR | 17.30% | 18.51% | 9.66% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Dhanlaxmi 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 Dhanlaxmi Bank the stake stands at 0.0%.
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 Dhanlaxmi 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%.
Dhanlaxmi 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 Dhanlaxmi Bank.
For a sector overview, read our banking sector report.
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