J&K BANK | HDFC BANK | J&K BANK/ HDFC BANK |
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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% |
J&K BANK HDFC BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
HDFC BANK Mar-23 |
J&K BANK/ HDFC BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 1,722 | 3.6% | |
Low | Rs | 24 | 1,272 | 1.9% | |
Income per share (Unadj.) | Rs | 90.7 | 306.0 | 29.6% | |
Earnings per share (Unadj.) | Rs | 11.4 | 82.4 | 13.9% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 150.0 | 30.8% | |
Dividends per share (Unadj.) | Rs | 0.50 | 19.00 | 2.6% | |
Avg Dividend yield | % | 1.2 | 1.3 | 91.0% | |
Book value per share (Unadj.) | Rs | 95.9 | 516.7 | 18.6% | |
Shares outstanding (eoy) | m | 1,031.48 | 5,579.74 | 18.5% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 4.9 | 9.8% | |
Avg P/E ratio | x | 3.8 | 18.2 | 20.8% | |
Avg P/CF ratio | x | 2.4 | 11.1 | 21.8% | |
Avg Price/Bookvalue ratio | x | 0.5 | 2.9 | 15.6% | |
Dividend payout | % | 4.4 | 23.0 | 19.0% | |
Avg Mkt Cap | Rs m | 44,637 | 8,351,759 | 0.5% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 200,169 | 13.5% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 93,552 | 1,707,541 | 5.5% | |
Other income | Rs m | 7,652 | 339,121 | 2.3% | |
Interest expense | Rs m | 46,094 | 777,799 | 5.9% | |
Net interest income | Rs m | 47,458 | 929,741 | 5.1% | |
Operating expense | Rs m | 36,509 | 515,337 | 7.1% | |
Gross profit | Rs m | 10,949 | 414,404 | 2.6% | |
Gross profit margin | % | 11.7 | 24.3 | 48.2% | |
Provisions/contingencies | Rs m | 6,616 | 292,038 | 2.3% | |
Profit before tax | Rs m | 17,856 | 614,984 | 2.9% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -1,516 | -0.0% | |
Prior Period Items | Rs m | -181 | 0 | - | |
Tax | Rs m | 5,870 | 153,497 | 3.8% | |
Profit after tax | Rs m | 11,805 | 459,971 | 2.6% | |
Net profit margin | % | 12.6 | 26.9 | 46.8% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 16,619,493 | 5.0% | |
Deposits | Rs m | 1,220,272 | 18,826,633 | 6.5% | |
Credit/Deposit ratio | x | 67.4 | 88.3 | 76.4% | |
Yield on advances | % | 8.5 | 8.2 | 104.1% | |
Cost of deposits | % | 3.6 | 3.3 | 109.1% | |
Net Interest Margin | % | 4.1 | 4.3 | 94.8% | |
Net fixed assets | Rs m | 22,244 | 84,756 | 26.2% | |
Share capital | Rs m | 1,032 | 5,580 | 18.5% | |
Free reserves | Rs m | 97,932 | 2,877,623 | 3.4% | |
Net worth | Rs m | 98,963 | 2,883,203 | 3.4% | |
Borrowings | Rs m | 28,923 | 2,565,487 | 1.1% | |
Investments | Rs m | 347,804 | 5,115,817 | 6.8% | |
Total assets | Rs m | 1,459,126 | 25,304,324 | 5.8% | |
Debt/equity ratio | x | 12.6 | 7.4 | 170.1% | |
Return on assets | % | 0.8 | 1.8 | 44.5% | |
Return on equity | % | 11.9 | 16.0 | 74.8% | |
Capital adequacy ratio | % | 15.4 | 19.3 | 80.0% | |
Net NPAs | % | 1.6 | 0.3 | 600.0% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | 208,137 | -2.0% | |
From Investments | Rs m | -1,235 | -34,239 | 3.6% | |
From Financial Activity | Rs m | 6,376 | 239,406 | 2.7% | |
Net Cashflow | Rs m | 1,070 | 417,621 | 0.3% |
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 | - |
Compare J&K BANK With: AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK PNB
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
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.
Asian markets traded lower, while the US stock indices ended higher overnight with the S&P 500 hitting a record closing high ahead of key economic data.