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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 3.5 30.5 11.6% View Chart
P/BV x 0.2 4.4 5.7% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 J&K BANK   HDFC BANK
EQUITY SHARE DATA
    J&K BANK
Mar-18
HDFC BANK
Mar-19
J&K BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs962,327 4.1%   
Low Rs551,880 2.9%   
Income per share (Unadj.) Rs1,189.2386.2 308.0%  
Earnings per share (Unadj.) Rs36.482.0 44.4%  
Cash flow per share (Unadj.) Rs167.4196.5 85.2%  
Dividends per share (Unadj.) Rs015.00 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs1,105.9564.3 196.0%  
Shares outstanding (eoy) m55.682,723.31 2.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.15.4 1.2%   
Avg P/E ratio x2.125.7 8.0%  
Avg P/CF ratio x0.318.7 1.6%  
Avg Price/Bookvalue ratio x0.13.7 1.8%  
Dividend payout %018.3 0.0%   
Avg Mkt Cap Rs m4,1825,728,891 0.1%   
No. of employees `0001.098.1 1.0%   
Total wages & salary Rs m12,869104,512 12.3%   
Avg. income/employee Rs Th64,852.110,724.0 604.7%   
Avg. wages/employee Rs Th12,604.21,065.8 1,182.6%   
Avg. net profit/employee Rs Th1,985.22,277.4 87.2%   
INCOME DATA
Interest income Rs m66,2141,051,607 6.3%  
Other income Rs m5,008189,471 2.6%   
Interest expense Rs m37,502537,127 7.0%   
Net interest income Rs m28,712514,481 5.6%  
Operating expense Rs m19,902276,948 7.2%   
Gross profit Rs m8,810237,533 3.7%  
Gross profit margin %13.322.6 58.9%  
Provisions/contingencies Rs m11,79283,822 14.1%   
Profit before tax Rs m1,209340,918 0.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m01,132 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-818118,726 -0.7%   
Profit after tax Rs m2,027223,324 0.9%  
Net profit margin %3.121.2 14.4%  
BALANCE SHEET DATA
Advances Rs m569,1278,692,227 6.5%   
Deposits Rs m800,0459,225,027 8.7%  
Credit/Deposit ratio x71.194.2 75.5%  
Yield on advances %8.79.6 90.8%   
Cost of deposits %4.54.4 101.5%   
Net Interest Margin %3.44.2 82.2%  
Net fixed assets Rs m16,14942,198 38.3%   
Share capital Rs m5575,447 10.2%   
Free reserves Rs m32,3361,531,280 2.1%   
Net worth Rs m61,5761,536,727 4.0%   
Borrowings Rs m16,2831,577,328 1.0%   
Investments Rs m188,6002,869,177 6.6%   
Total assets Rs m896,84412,928,057 6.9%  
Debt/equity ratio x13.37.0 188.6%   
Return on assets %0.21.7 13.1%  
Return on equity %3.314.5 22.7%  
Capital adequacy ratio %11.417.1 66.8%  
Net NPAs %4.90.4 1,256.4%  
CASH FLOW
From Operations Rs m23,627-628,715 -3.8%  
From Investments Rs m-1,639-15,984 10.3%  
From Financial Activity Rs m6,684231,307 2.9%  
Net Cashflow Rs m28,672-412,439 -7.0%  

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:   ANDHRA BANK  SYNDICATE BANK  BANK OF INDIA  CANARA BANK  SOUTH IND.BANK  

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



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J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

HDFC BANK Announces Quarterly Results (1QFY20); Net Profit Up 21.0% (Quarterly Result Update)

Jul 22, 2019 | Updated on Jul 22, 2019

For the quarter ended June 2019, HDFC BANK has posted a net profit of Rs 56 bn (up 21.0% YoY). Sales on the other hand came in at Rs 274 bn (up 21.5% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

HDFC BANK Announces Quarterly Results (4QFY19); Net Profit Up 22.6% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, HDFC BANK has posted a net profit of Rs 59 bn (up 22.6% YoY). Sales on the other hand came in at Rs 263 bn (up 23.5% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

HDFC BANK Announces Quarterly Results (3QFY19); Net Profit Up 20.3% (Quarterly Result Update)

Jan 21, 2019 | Updated on Jan 21, 2019

For the quarter ended December 2018, HDFC BANK has posted a net profit of Rs 56 bn (up 20.3% YoY). Sales on the other hand came in at Rs 259 bn (up 25.8% YoY). Read on for a complete analysis of HDFC BANK's quarterly results.

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Oct 18, 2019 (Close)

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