J&K BANK | INDIAN BANK | J&K BANK/ INDIAN BANK |
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P/E (TTM) | x | 9.1 | 9.7 | 93.8% | View Chart |
P/BV | x | 1.5 | 1.4 | 102.8% | View Chart |
Dividend Yield | % | 0.4 | 1.6 | 23.1% |
J&K BANK INDIAN BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
INDIAN BANK Mar-23 |
J&K BANK/ INDIAN BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 310 | 20.2% | |
Low | Rs | 24 | 137 | 17.3% | |
Income per share (Unadj.) | Rs | 90.7 | 361.2 | 25.1% | |
Earnings per share (Unadj.) | Rs | 11.4 | 44.7 | 25.6% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 71.6 | 64.4% | |
Dividends per share (Unadj.) | Rs | 0.50 | 8.60 | 5.8% | |
Avg Dividend yield | % | 1.2 | 3.8 | 30.0% | |
Book value per share (Unadj.) | Rs | 95.9 | 397.5 | 24.1% | |
Shares outstanding (eoy) | m | 1,031.48 | 1,245.44 | 82.8% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 0.6 | 77.1% | |
Avg P/E ratio | x | 3.8 | 5.0 | 75.7% | |
Avg P/CF ratio | x | 2.4 | 1.8 | 135.7% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.6 | 80.2% | |
Dividend payout | % | 4.4 | 19.2 | 22.7% | |
Avg Mkt Cap | Rs m | 44,637 | 278,481 | 16.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 75,789 | 35.7% | |
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 | 449,852 | 20.8% | |
Other income | Rs m | 7,652 | 78,045 | 9.8% | |
Interest expense | Rs m | 46,094 | 247,173 | 18.6% | |
Net interest income | Rs m | 47,458 | 202,679 | 23.4% | |
Operating expense | Rs m | 36,509 | 127,248 | 28.7% | |
Gross profit | Rs m | 10,949 | 75,431 | 14.5% | |
Gross profit margin | % | 11.7 | 16.8 | 69.8% | |
Provisions/contingencies | Rs m | 6,616 | 100,171 | 6.6% | |
Profit before tax | Rs m | 17,856 | 59,632 | 29.9% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | -12 | -0.0% | |
Prior Period Items | Rs m | -181 | 2,430 | -7.4% | |
Tax | Rs m | 5,870 | 6,327 | 92.8% | |
Profit after tax | Rs m | 11,805 | 55,723 | 21.2% | |
Net profit margin | % | 12.6 | 12.4 | 101.9% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 4,492,940 | 18.3% | |
Deposits | Rs m | 1,220,272 | 6,211,232 | 19.6% | |
Credit/Deposit ratio | x | 67.4 | 72.3 | 93.2% | |
Yield on advances | % | 8.5 | 7.1 | 119.6% | |
Cost of deposits | % | 3.6 | 3.7 | 95.5% | |
Net Interest Margin | % | 4.1 | 3.2 | 127.6% | |
Net fixed assets | Rs m | 22,244 | 74,704 | 29.8% | |
Share capital | Rs m | 1,032 | 12,454 | 8.3% | |
Free reserves | Rs m | 97,932 | 482,614 | 20.3% | |
Net worth | Rs m | 98,963 | 495,068 | 20.0% | |
Borrowings | Rs m | 28,923 | 220,924 | 13.1% | |
Investments | Rs m | 347,804 | 1,883,663 | 18.5% | |
Total assets | Rs m | 1,459,126 | 7,133,340 | 20.5% | |
Debt/equity ratio | x | 12.6 | 13.0 | 97.2% | |
Return on assets | % | 0.8 | 0.8 | 103.6% | |
Return on equity | % | 11.9 | 11.3 | 106.0% | |
Capital adequacy ratio | % | 15.4 | 16.5 | 93.5% | |
Net NPAs | % | 1.6 | 0.9 | 180.0% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | -278,940 | 1.5% | |
From Investments | Rs m | -1,235 | -3,140 | 39.3% | |
From Financial Activity | Rs m | 6,376 | -15,434 | -41.3% | |
Net Cashflow | Rs m | 1,070 | -297,514 | -0.4% |
Indian Promoters | % | 59.4 | 73.8 | 80.4% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 22.2 | 66.9% | |
FIIs | % | 7.0 | 5.3 | 132.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 26.2 | 155.2% | |
Shareholders | 215,294 | 308,165 | 69.9% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
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 | Indian Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.00% | -0.17% | -0.70% |
1-Month | 2.56% | 2.96% | 3.35% |
1-Year | 148.27% | 65.05% | 12.35% |
3-Year CAGR | 79.35% | 68.79% | 14.13% |
5-Year CAGR | 16.00% | 15.70% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Indian 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 Indian Bank the stake stands at 73.8%.
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 Indian 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%.
Indian Bank paid Rs 8.6, and its dividend payout ratio stood at 19.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Indian Bank.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets reversed the trend as the session progressed and ended the lower.