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- Indian - banking
- J&K BANK - IDFC FIRST BANK
J&K BANK vs IDFC FIRST BANK - Comparison Results
Current Valuations
| J&K BANK | IDFC FIRST BANK | J&K BANK/ IDFC FIRST BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.8 | 19.1 | 45.9% | View Chart |
| P/BV | x | 1.4 | 2.2 | 63.5% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  IDFC FIRST BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
IDFC FIRST BANK Mar-23 |
J&K BANK/ IDFC FIRST BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 64 | 97.6% | |
| Low | Rs | 24 | 29 | 82.2% | |
| Income per share (Unadj.) | Rs | 90.7 | 34.3 | 264.1% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 3.8 | 304.8% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 19.5 | 236.1% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 39.0 | 246.0% | |
| Shares outstanding (eoy) | m | 1,031.48 | 6,618.12 | 15.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.4 | 35.1% | |
| Avg P/E ratio | x | 3.8 | 12.4 | 30.4% | |
| Avg P/CF ratio | x | 2.4 | 6.2 | 39.2% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 1.2 | 37.7% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 308,570 | 14.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 42,786 | 63.3% | |
| 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 | 227,278 | 41.2% | |
| Other income | Rs m | 7,652 | 44,673 | 17.1% | |
| Interest expense | Rs m | 46,094 | 100,906 | 45.7% | |
| Net interest income | Rs m | 47,458 | 126,372 | 37.6% | |
| Operating expense | Rs m | 36,509 | 121,082 | 30.2% | |
| Gross profit | Rs m | 10,949 | 5,289 | 207.0% | |
| Gross profit margin | % | 11.7 | 2.3 | 502.9% | |
| Provisions/contingencies | Rs m | 6,616 | 25,113 | 26.3% | |
| Profit before tax | Rs m | 17,856 | 33,314 | 53.6% | |
| 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 | 8,465 | 69.3% | |
| Profit after tax | Rs m | 11,805 | 24,849 | 47.5% | |
| Net profit margin | % | 12.6 | 10.9 | 115.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 1,517,945 | 54.2% | |
| Deposits | Rs m | 1,220,272 | 1,444,695 | 84.5% | |
| Credit/Deposit ratio | x | 67.4 | 105.1 | 64.2% | |
| Yield on advances | % | 8.5 | 12.6 | 67.4% | |
| Cost of deposits | % | 3.6 | 4.3 | 82.7% | |
| Net Interest Margin | % | 4.1 | 5.9 | 68.2% | |
| Net fixed assets | Rs m | 22,244 | 19,145 | 116.2% | |
| Share capital | Rs m | 1,032 | 66,181 | 1.6% | |
| Free reserves | Rs m | 97,932 | 191,923 | 51.0% | |
| Net worth | Rs m | 98,963 | 258,104 | 38.3% | |
| Borrowings | Rs m | 28,923 | 572,121 | 5.1% | |
| Investments | Rs m | 347,804 | 609,133 | 57.1% | |
| Total assets | Rs m | 1,459,126 | 2,398,821 | 60.8% | |
| Debt/equity ratio | x | 12.6 | 7.8 | 161.5% | |
| Return on assets | % | 0.8 | 1.0 | 78.1% | |
| Return on equity | % | 11.9 | 9.6 | 123.9% | |
| Capital adequacy ratio | % | 15.4 | 16.8 | 91.6% | |
| Net NPAs | % | 1.6 | 0.9 | 188.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 35,630 | -11.4% | |
| From Investments | Rs m | -1,235 | -119,957 | 1.0% | |
| From Financial Activity | Rs m | 6,376 | 65,090 | 9.8% | |
| Net Cashflow | Rs m | 1,070 | -19,237 | -5.6% | |
Share Holding
| Indian Promoters | % | 59.4 | 37.5 | 158.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 34.6 | 43.0% | |
| FIIs | % | 7.0 | 24.3 | 28.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 62.6 | 64.9% | |
| Shareholders | 215,294 | 2,382,674 | 9.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs IDFC FIRST 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 IDFC FIRST BANK Share Price Performance
| Period | J&K Bank | IDFC FIRST BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.33% | -0.93% | 1.02% |
| 1-Month | -2.92% | 6.80% | 2.05% |
| 1-Year | 151.92% | 45.32% | 12.30% |
| 3-Year CAGR | 77.34% | 17.30% | 14.92% |
| 5-Year CAGR | 16.93% | 9.64% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the IDFC FIRST 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 IDFC FIRST BANK the stake stands at 37.5%.
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 IDFC FIRST 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%.
IDFC FIRST 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 IDFC FIRST BANK.
For a sector overview, read our banking sector report.
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