J&K BANK | INDIAN OVERSEAS BANK | J&K BANK/ INDIAN OVERSEAS BANK |
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P/E (TTM) | x | 9.2 | 45.2 | 20.3% | View Chart |
P/BV | x | 1.5 | 4.6 | 32.7% | View Chart |
Dividend Yield | % | 0.4 | 0.0 | - |
J&K BANK INDIAN OVERSEAS BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
INDIAN OVERSEAS BANK Mar-23 |
J&K BANK/ INDIAN OVERSEAS BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 37 | 171.0% | |
Low | Rs | 24 | 15 | 156.1% | |
Income per share (Unadj.) | Rs | 90.7 | 10.3 | 883.4% | |
Earnings per share (Unadj.) | Rs | 11.4 | 1.1 | 1,028.2% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 2.6 | 1,764.6% | |
Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
Avg Dividend yield | % | 1.2 | 0 | - | |
Book value per share (Unadj.) | Rs | 95.9 | 13.2 | 729.0% | |
Shares outstanding (eoy) | m | 1,031.48 | 18,902.41 | 5.5% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 2.5 | 18.9% | |
Avg P/E ratio | x | 3.8 | 23.3 | 16.2% | |
Avg P/CF ratio | x | 2.4 | 8.3 | 29.4% | |
Avg Price/Bookvalue ratio | x | 0.5 | 2.0 | 22.9% | |
Dividend payout | % | 4.4 | 0 | - | |
Avg Mkt Cap | Rs m | 44,637 | 490,990 | 9.1% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 41,024 | 66.0% | |
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 | 194,070 | 48.2% | |
Other income | Rs m | 7,652 | 41,164 | 18.6% | |
Interest expense | Rs m | 46,094 | 111,463 | 41.4% | |
Net interest income | Rs m | 47,458 | 82,607 | 57.5% | |
Operating expense | Rs m | 36,509 | 64,298 | 56.8% | |
Gross profit | Rs m | 10,949 | 18,309 | 59.8% | |
Gross profit margin | % | 11.7 | 9.4 | 124.1% | |
Provisions/contingencies | Rs m | 6,616 | 38,433 | 17.2% | |
Profit before tax | Rs m | 17,856 | 23,534 | 75.9% | |
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 | 2,495 | 235.3% | |
Profit after tax | Rs m | 11,805 | 21,040 | 56.1% | |
Net profit margin | % | 12.6 | 10.8 | 116.4% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 1,780,677 | 46.2% | |
Deposits | Rs m | 1,220,272 | 2,609,736 | 46.8% | |
Credit/Deposit ratio | x | 67.4 | 68.2 | 98.8% | |
Yield on advances | % | 8.5 | 7.4 | 115.2% | |
Cost of deposits | % | 3.6 | 4.0 | 88.3% | |
Net Interest Margin | % | 4.1 | 3.0 | 133.4% | |
Net fixed assets | Rs m | 22,244 | 37,107 | 59.9% | |
Share capital | Rs m | 1,032 | 189,024 | 0.5% | |
Free reserves | Rs m | 97,932 | 59,736 | 163.9% | |
Net worth | Rs m | 98,963 | 248,760 | 39.8% | |
Borrowings | Rs m | 28,923 | 208,038 | 13.9% | |
Investments | Rs m | 347,804 | 936,425 | 37.1% | |
Total assets | Rs m | 1,459,126 | 3,134,499 | 46.6% | |
Debt/equity ratio | x | 12.6 | 11.3 | 111.4% | |
Return on assets | % | 0.8 | 0.7 | 120.5% | |
Return on equity | % | 11.9 | 8.5 | 141.0% | |
Capital adequacy ratio | % | 15.4 | 16.1 | 95.7% | |
Net NPAs | % | 1.6 | 1.8 | 88.5% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | -155,835 | 2.6% | |
From Investments | Rs m | -1,235 | -5,596 | 22.1% | |
From Financial Activity | Rs m | 6,376 | 127 | 5,001.1% | |
Net Cashflow | Rs m | 1,070 | -161,304 | -0.7% |
Indian Promoters | % | 59.4 | 96.4 | 61.6% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 13.6 | 1.3 | 1,024.1% | |
FIIs | % | 5.8 | 0.0 | 19,333.3% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 3.6 | 1,121.5% | |
Shareholders | 204,193 | 727,348 | 28.1% | ||
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 Overseas Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.10% | 5.41% | 0.82% |
1-Month | -2.83% | -5.06% | 2.48% |
1-Year | 193.99% | 183.33% | 19.28% |
3-Year CAGR | 72.73% | 55.67% | 12.00% |
5-Year CAGR | 20.41% | 33.40% | 9.40% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Indian Overseas 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 Overseas Bank the stake stands at 96.4%.
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 Overseas 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 Overseas 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 Indian Overseas Bank.
For a sector overview, read our banking sector report.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.