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- J&K BANK - EQUITAS SMALL FINANCE BANK
J&K BANK vs EQUITAS SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | EQUITAS SMALL FINANCE BANK | J&K BANK/ EQUITAS SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 14.2 | 62.7% | View Chart |
| P/BV | x | 1.4 | 2.1 | 67.1% | View Chart |
| Dividend Yield | % | 0.4 | 1.0 | 37.6% |
Financials
 J&K BANK  EQUITAS SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
EQUITAS SMALL FINANCE BANK Mar-23 |
J&K BANK/ EQUITAS SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 78 | 80.6% | |
| Low | Rs | 24 | 38 | 63.5% | |
| Income per share (Unadj.) | Rs | 90.7 | 37.5 | 242.0% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 5.2 | 221.6% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 19.9 | 232.3% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 1.00 | 50.0% | |
| Avg Dividend yield | % | 1.2 | 1.7 | 66.6% | |
| Book value per share (Unadj.) | Rs | 95.9 | 46.4 | 206.8% | |
| Shares outstanding (eoy) | m | 1,031.48 | 1,110.56 | 92.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.5 | 31.0% | |
| Avg P/E ratio | x | 3.8 | 11.2 | 33.9% | |
| Avg P/CF ratio | x | 2.4 | 5.4 | 44.5% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.2 | 36.3% | |
| Dividend payout | % | 4.4 | 19.4 | 22.6% | |
| Avg Mkt Cap | Rs m | 44,637 | 64,063 | 69.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 10,967 | 247.0% | |
| 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 | 41,619 | 224.8% | |
| Other income | Rs m | 7,652 | 6,696 | 114.3% | |
| Interest expense | Rs m | 46,094 | 16,172 | 285.0% | |
| Net interest income | Rs m | 47,458 | 25,447 | 186.5% | |
| Operating expense | Rs m | 36,509 | 20,383 | 179.1% | |
| Gross profit | Rs m | 10,949 | 5,064 | 216.2% | |
| Gross profit margin | % | 11.7 | 12.2 | 96.2% | |
| Provisions/contingencies | Rs m | 6,616 | 6,024 | 109.8% | |
| Profit before tax | Rs m | 17,856 | 7,688 | 232.3% | |
| 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 | 1,952 | 300.7% | |
| Profit after tax | Rs m | 11,805 | 5,736 | 205.8% | |
| Net profit margin | % | 12.6 | 13.8 | 91.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 257,986 | 318.9% | |
| Deposits | Rs m | 1,220,272 | 253,806 | 480.8% | |
| Credit/Deposit ratio | x | 67.4 | 101.6 | 66.3% | |
| Yield on advances | % | 8.5 | 14.6 | 58.3% | |
| Cost of deposits | % | 3.6 | 5.4 | 66.6% | |
| Net Interest Margin | % | 4.1 | 7.8 | 51.7% | |
| Net fixed assets | Rs m | 22,244 | 3,377 | 658.7% | |
| Share capital | Rs m | 1,032 | 11,106 | 9.3% | |
| Free reserves | Rs m | 97,932 | 40,417 | 242.3% | |
| Net worth | Rs m | 98,963 | 51,523 | 192.1% | |
| Borrowings | Rs m | 28,923 | 29,738 | 97.3% | |
| Investments | Rs m | 347,804 | 66,646 | 521.9% | |
| Total assets | Rs m | 1,459,126 | 349,581 | 417.4% | |
| Debt/equity ratio | x | 12.6 | 5.5 | 229.4% | |
| Return on assets | % | 0.8 | 1.6 | 49.3% | |
| Return on equity | % | 11.9 | 11.1 | 107.2% | |
| Capital adequacy ratio | % | 15.4 | 23.8 | 64.7% | |
| Net NPAs | % | 1.6 | 1.2 | 133.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -9,977 | 40.8% | |
| From Investments | Rs m | -1,235 | -2,613 | 47.3% | |
| From Financial Activity | Rs m | 6,376 | 601 | 1,060.7% | |
| Net Cashflow | Rs m | 1,070 | -8,883 | -12.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 64.7 | 23.0% | |
| FIIs | % | 7.0 | 19.5 | 35.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 215,294 | 372,304 | 57.8% | ||
| 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 EQUITAS 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 EQUITAS SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | EQUITAS SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.80% | -3.01% | 0.53% |
| 1-Month | 0.35% | 4.51% | 3.35% |
| 1-Year | 150.24% | 42.09% | 12.82% |
| 3-Year CAGR | 78.05% | 23.37% | 14.13% |
| 5-Year CAGR | 16.53% | 24.37% | 10.21% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the EQUITAS 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 EQUITAS SMALL FINANCE 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 EQUITAS 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%.
EQUITAS SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 19.4%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of EQUITAS SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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