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J&K BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    J&K BANK HDFC BANK J&K BANK/
HDFC BANK
 
P/E (TTM) x 9.2 18.4 50.2% View Chart
P/BV x 1.5 3.8 39.1% View Chart
Dividend Yield % 0.4 1.3 28.4%  

Financials

 J&K BANK   HDFC BANK
EQUITY SHARE DATA
    J&K BANK
Mar-23
HDFC BANK
Mar-23
J&K BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs631,722 3.6%   
Low Rs241,272 1.9%   
Income per share (Unadj.) Rs90.7306.0 29.6%  
Earnings per share (Unadj.) Rs11.482.4 13.9%  
Cash flow per share (Unadj.) Rs46.1150.0 30.8%  
Dividends per share (Unadj.) Rs0.5019.00 2.6%  
Avg Dividend yield %1.21.3 91.0%  
Book value per share (Unadj.) Rs95.9516.7 18.6%  
Shares outstanding (eoy) m1,031.485,579.74 18.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.54.9 9.8%   
Avg P/E ratio x3.818.2 20.8%  
Avg P/CF ratio x2.411.1 21.8%  
Avg Price/Bookvalue ratio x0.52.9 15.6%  
Dividend payout %4.423.0 19.0%   
Avg Mkt Cap Rs m44,6378,351,759 0.5%   
No. of employees `000NANA-   
Total wages & salary Rs m27,086200,169 13.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m93,5521,707,541 5.5%  
Other income Rs m7,652339,121 2.3%   
Interest expense Rs m46,094777,799 5.9%   
Net interest income Rs m47,458929,741 5.1%  
Operating expense Rs m36,509515,337 7.1%   
Gross profit Rs m10,949414,404 2.6%  
Gross profit margin %11.724.3 48.2%  
Provisions/contingencies Rs m6,616292,038 2.3%   
Profit before tax Rs m17,856614,984 2.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,516 -0.0%   
Prior Period Items Rs m-1810-   
Tax Rs m5,870153,497 3.8%   
Profit after tax Rs m11,805459,971 2.6%  
Net profit margin %12.626.9 46.8%  
BALANCE SHEET DATA
Advances Rs m822,77616,619,493 5.0%   
Deposits Rs m1,220,27218,826,633 6.5%  
Credit/Deposit ratio x67.488.3 76.4%  
Yield on advances %8.58.2 104.1%   
Cost of deposits %3.63.3 109.1%   
Net Interest Margin %4.14.3 94.8%  
Net fixed assets Rs m22,24484,756 26.2%   
Share capital Rs m1,0325,580 18.5%   
Free reserves Rs m97,9322,877,623 3.4%   
Net worth Rs m98,9632,883,203 3.4%   
Borrowings Rs m28,9232,565,487 1.1%   
Investments Rs m347,8045,115,817 6.8%   
Total assets Rs m1,459,12625,304,324 5.8%  
Debt/equity ratio x12.67.4 170.1%   
Return on assets %0.81.8 44.5%  
Return on equity %11.916.0 74.8%  
Capital adequacy ratio %15.419.3 80.0%  
Net NPAs %1.60.3 600.0%  
CASH FLOW
From Operations Rs m-4,071208,137 -2.0%  
From Investments Rs m-1,235-34,239 3.6%  
From Financial Activity Rs m6,376239,406 2.7%  
Net Cashflow Rs m1,070417,621 0.3%  

Share Holding

Indian Promoters % 59.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.6 83.0 16.4%  
FIIs % 5.8 52.3 11.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 40.6 100.0 40.6%  
Shareholders   204,193 3,018,247 6.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare J&K BANK With:   AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    PNB    


More on J&K Bank vs HDFC 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 HDFC Bank Share Price Performance

Period J&K Bank HDFC Bank S&P BSE BANKEX
1-Day 2.51% 0.86% 1.20%
1-Month -2.43% 3.20% 2.86%
1-Year 195.20% -8.04% 19.73%
3-Year CAGR 72.97% -2.20% 12.14%
5-Year CAGR 20.50% 4.79% 9.48%

* Compound Annual Growth Rate

Here are more details on the J&K Bank share price and the HDFC 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 HDFC 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 HDFC 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%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

You may visit here to review the dividend history of J&K Bank, and the dividend history of HDFC Bank.

For a sector overview, read our banking sector report.



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