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- J&K BANK - FINO PAYMENTS BANK
J&K BANK vs FINO PAYMENTS BANK - Comparison Results
Current Valuations
| J&K BANK | FINO PAYMENTS BANK | J&K BANK/ FINO PAYMENTS BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | 29.2 | 31.0% | View Chart |
| P/BV | x | 1.5 | 4.5 | 32.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  FINO PAYMENTS BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
FINO PAYMENTS BANK Mar-23 |
J&K BANK/ FINO PAYMENTS BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 326 | 19.2% | |
| Low | Rs | 24 | 183 | 13.0% | |
| Income per share (Unadj.) | Rs | 90.7 | 11.4 | 795.5% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 7.8 | 146.3% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 142.1 | 32.4% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 65.1 | 147.4% | |
| Shares outstanding (eoy) | m | 1,031.48 | 83.21 | 1,239.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 22.3 | 2.1% | |
| Avg P/E ratio | x | 3.8 | 32.5 | 11.6% | |
| Avg P/CF ratio | x | 2.4 | 32.5 | 7.5% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 3.9 | 11.5% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 21,159 | 211.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 1,556 | 1,740.6% | |
| 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 | 949 | 9,861.6% | |
| Other income | Rs m | 7,652 | 11,350 | 67.4% | |
| Interest expense | Rs m | 46,094 | 474 | 9,730.9% | |
| Net interest income | Rs m | 47,458 | 475 | 9,992.0% | |
| Operating expense | Rs m | 36,509 | 11,175 | 326.7% | |
| Gross profit | Rs m | 10,949 | -10,700 | -102.3% | |
| Gross profit margin | % | 11.7 | -1,127.9 | -1.0% | |
| Provisions/contingencies | Rs m | 6,616 | 0 | - | |
| Profit before tax | Rs m | 17,856 | 651 | 2,743.4% | |
| 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 | 651 | 1,813.8% | |
| Net profit margin | % | 12.6 | 68.6 | 18.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 1 | 70,322,744.4% | |
| Deposits | Rs m | 1,220,272 | 9,171 | 13,305.1% | |
| Credit/Deposit ratio | x | 67.4 | 0 | 529,445.4% | |
| Yield on advances | % | 8.5 | 10.6 | 80.2% | |
| Cost of deposits | % | 3.6 | 2.0 | 179.4% | |
| Net Interest Margin | % | 4.1 | 4.1 | 97.9% | |
| Net fixed assets | Rs m | 22,244 | 1,394 | 1,595.4% | |
| Share capital | Rs m | 1,032 | 832 | 124.0% | |
| Free reserves | Rs m | 97,932 | 4,585 | 2,135.8% | |
| Net worth | Rs m | 98,963 | 5,417 | 1,826.8% | |
| Borrowings | Rs m | 28,923 | 4,341 | 666.3% | |
| Investments | Rs m | 347,804 | 11,464 | 3,033.8% | |
| Total assets | Rs m | 1,459,126 | 24,664 | 5,916.0% | |
| Debt/equity ratio | x | 12.6 | 2.5 | 506.1% | |
| Return on assets | % | 0.8 | 2.6 | 30.7% | |
| Return on equity | % | 11.9 | 12.0 | 99.3% | |
| Capital adequacy ratio | % | 15.4 | 86.1 | 17.9% | |
| Net NPAs | % | 1.6 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -201 | 2,025.3% | |
| From Investments | Rs m | -1,235 | -965 | 128.0% | |
| From Financial Activity | Rs m | 6,376 | 1,844 | 345.7% | |
| Net Cashflow | Rs m | 1,070 | 678 | 157.8% | |
Share Holding
| Indian Promoters | % | 59.4 | 75.0 | 79.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 11.0 | 134.9% | |
| FIIs | % | 7.0 | 5.1 | 136.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 25.0 | 162.4% | |
| Shareholders | 215,294 | 65,144 | 330.5% | ||
| 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 FINO PAYMENTS 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 FINO PAYMENTS BANK Share Price Performance
| Period | J&K Bank | FINO PAYMENTS BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.00% | -0.41% | -0.70% |
| 1-Month | 2.56% | 2.42% | 3.35% |
| 1-Year | 148.27% | 39.28% | 12.35% |
| 3-Year CAGR | 79.35% | -18.79% | 14.13% |
| 5-Year CAGR | 16.00% | -11.74% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the FINO PAYMENTS 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 FINO PAYMENTS BANK the stake stands at 75.0%.
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 FINO PAYMENTS 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%.
FINO PAYMENTS 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 FINO PAYMENTS BANK.
For a sector overview, read our banking sector report.
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