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Compare J&K Bank with HDFC Bank - Equitymaster

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J&K BANK vs HDFC BANK - Comparison Results

J&K BANK    Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    J&K BANK HDFC BANK J&K BANK/
HDFC BANK
 
P/E (TTM) x 10.0 28.0 35.6% View Chart
P/BV x 0.4 4.6 8.7% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 J&K BANK   HDFC BANK
EQUITY SHARE DATA
    J&K BANK
Mar-17
HDFC BANK
Mar-18
J&K BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs922,014 4.6%   
Low Rs551,425 3.8%   
Income per share (Unadj.) Rs1,282.5328.7 390.2%  
Earnings per share (Unadj.) Rs-313.371.3 -439.2%  
Cash flow per share (Unadj.) Rs-496.9176.4 -281.8%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %00.8 0.0%  
Book value per share (Unadj.) Rs1,087.5422.3 257.5%  
Shares outstanding (eoy) m52.132,595.09 2.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.15.2 1.1%   
Avg P/E ratio x-0.224.1 -1.0%  
Avg P/CF ratio x0.317.8 1.8%  
Avg Price/Bookvalue ratio x0.14.1 1.7%  
Dividend payout %018.2 0.0%   
Avg Mkt Cap Rs m3,8214,462,257 0.1%   
No. of employees `0000.988.3 1.0%   
Total wages & salary Rs m11,22591,939 12.2%   
Avg. income/employee Rs Th72,278.99,664.0 747.9%   
Avg. wages/employee Rs Th12,135.61,041.8 1,164.9%   
Avg. net profit/employee Rs Th-17,653.92,097.4 -841.7%   
INCOME DATA
Interest income Rs m66,858852,878 7.8%  
Other income Rs m4,973160,566 3.1%   
Interest expense Rs m41,730423,815 9.8%   
Net interest income Rs m25,128429,064 5.9%  
Operating expense Rs m17,164239,272 7.2%   
Gross profit Rs m7,964189,791 4.2%  
Gross profit margin %11.922.3 53.5%  
Provisions/contingencies Rs m28,00365,718 42.6%   
Profit before tax Rs m-15,067283,612 -5.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0513 0.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m1,26399,031 1.3%   
Profit after tax Rs m-16,330185,100 -8.8%  
Net profit margin %-24.421.7 -112.5%  
BALANCE SHEET DATA
Advances Rs m498,1617,000,338 7.1%   
Deposits Rs m724,5907,883,751 9.2%  
Credit/Deposit ratio x68.888.8 77.4%  
Yield on advances %9.69.7 99.4%   
Cost of deposits %5.64.2 135.4%   
Net Interest Margin %3.34.0 81.3%  
Net fixed assets Rs m15,43738,106 40.5%   
Share capital Rs m5225,190 10.0%   
Free reserves Rs m27,885832,486 3.3%   
Net worth Rs m56,6921,095,991 5.2%   
Borrowings Rs m12,7611,564,421 0.8%   
Investments Rs m212,7092,384,609 8.9%   
Total assets Rs m820,12111,031,862 7.4%  
Debt/equity ratio x13.08.6 150.9%   
Return on assets %-2.01.7 -118.7%  
Return on equity %-28.816.9 -170.6%  
Capital adequacy ratio %10.814.8 73.0%  
Net NPAs %5.10.4 1,265.0%  
CASH FLOW
From Operations Rs m24,571172,144 14.3%  
From Investments Rs m-8,614-8,522 101.1%  
From Financial Activity Rs m5,929573,777 1.0%  
Net Cashflow Rs m21,886737,399 3.0%  

Share Holding

Indian Promoters % 53.2 22.6 235.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 4.3 9.9 43.4%  
FIIs % 29.3 34.1 85.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 13.3 16.4 81.1%  
Shareholders   56,111 415,166 13.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   CANARA BANK  PNB  INDUSIND BANK  DCB BANK  ANDHRA BANK  

Compare J&K BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



Today's Market

Indian Indices End Positively, Aavas Financiers IPO, and Top Stocks in Action Today(Pre-Open)

Share markets in India ended on a positive note yesterday with gains largely seen in the banking sector and healthcare sector.

Related Views on News

J&K BANK Announces Quarterly Results (1QFY19); Net Profit Down 80.4% (Quarterly Result Update)

Jul 27, 2018 | Updated on Jul 27, 2018

For the quarter ended June 2018, J&K BANK has posted a net profit of Rs 526 m (down 80.4% YoY). Sales on the other hand came in at Rs 18 bn (up 4.9% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

HDFC BANK Announces Quarterly Results (1QFY19); Net Profit Up 18.2% (Quarterly Result Update)

Jul 25, 2018 | Updated on Jul 25, 2018

For the quarter ended June 2018, HDFC BANK has posted a net profit of Rs 46 bn (up 18.2% YoY). Sales on the other hand came in at Rs 225 bn (up 20.8% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

HDFC Bank: Loan Growth Camouflages Bad Loan Risks (Quarterly Results Update - Detailed)

Jan 22, 2018

The bank delivers a consistent performance with net profits growing by 20%. However, bad loans have risen considerably and would be the key things to watch out for going forward.

HDFC Bank: Growth Steady Even as NPA Provisions Double (Quarterly Results Update - Detailed)

Oct 26, 2017

Despite provisioning increasing by 97%, the bank reports a strong net profit growth of 20%.

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Mar 12, 2018

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Sep 26, 2018 09:53 AM

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