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- J&K BANK - KARUR VYSYA BANK
J&K BANK vs KARUR VYSYA BANK - Comparison Results
Current Valuations
| J&K BANK | KARUR VYSYA BANK | J&K BANK/ KARUR VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.0 | 10.4 | 86.3% | View Chart |
| P/BV | x | 1.5 | 1.8 | 80.8% | View Chart |
| Dividend Yield | % | 0.4 | 1.0 | 36.7% |
Financials
 J&K BANK  KARUR VYSYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
KARUR VYSYA BANK Mar-23 |
J&K BANK/ KARUR VYSYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 116 | 54.1% | |
| Low | Rs | 24 | 42 | 57.0% | |
| Income per share (Unadj.) | Rs | 90.7 | 81.2 | 111.6% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 13.8 | 83.0% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 26.2 | 176.2% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 2.00 | 25.0% | |
| Avg Dividend yield | % | 1.2 | 2.5 | 45.6% | |
| Book value per share (Unadj.) | Rs | 95.9 | 107.0 | 89.7% | |
| Shares outstanding (eoy) | m | 1,031.48 | 802.05 | 128.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.0 | 49.1% | |
| Avg P/E ratio | x | 3.8 | 5.7 | 66.1% | |
| Avg P/CF ratio | x | 2.4 | 2.6 | 94.8% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.7 | 61.2% | |
| Dividend payout | % | 4.4 | 14.5 | 30.1% | |
| Avg Mkt Cap | Rs m | 44,637 | 63,262 | 70.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 10,060 | 269.3% | |
| 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 | 65,166 | 143.6% | |
| Other income | Rs m | 7,652 | 11,589 | 66.0% | |
| Interest expense | Rs m | 46,094 | 31,677 | 145.5% | |
| Net interest income | Rs m | 47,458 | 33,488 | 141.7% | |
| Operating expense | Rs m | 36,509 | 20,320 | 179.7% | |
| Gross profit | Rs m | 10,949 | 13,168 | 83.1% | |
| Gross profit margin | % | 11.7 | 20.2 | 57.9% | |
| Provisions/contingencies | Rs m | 6,616 | 13,697 | 48.3% | |
| Profit before tax | Rs m | 17,856 | 14,369 | 124.3% | |
| 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 | 3,308 | 177.5% | |
| Profit after tax | Rs m | 11,805 | 11,061 | 106.7% | |
| Net profit margin | % | 12.6 | 17.0 | 74.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 631,341 | 130.3% | |
| Deposits | Rs m | 1,220,272 | 766,376 | 159.2% | |
| Credit/Deposit ratio | x | 67.4 | 82.4 | 81.8% | |
| Yield on advances | % | 8.5 | 8.4 | 100.8% | |
| Cost of deposits | % | 3.6 | 4.0 | 89.1% | |
| Net Interest Margin | % | 4.1 | 4.1 | 99.2% | |
| Net fixed assets | Rs m | 22,244 | 4,176 | 532.6% | |
| Share capital | Rs m | 1,032 | 1,604 | 64.3% | |
| Free reserves | Rs m | 97,932 | 84,214 | 116.3% | |
| Net worth | Rs m | 98,963 | 85,818 | 115.3% | |
| Borrowings | Rs m | 28,923 | 14,320 | 202.0% | |
| Investments | Rs m | 347,804 | 188,083 | 184.9% | |
| Total assets | Rs m | 1,459,126 | 901,794 | 161.8% | |
| Debt/equity ratio | x | 12.6 | 9.1 | 138.8% | |
| Return on assets | % | 0.8 | 1.2 | 66.0% | |
| Return on equity | % | 11.9 | 12.9 | 92.6% | |
| Capital adequacy ratio | % | 15.4 | 18.6 | 83.0% | |
| Net NPAs | % | 1.6 | 0.7 | 218.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 12,172 | -33.4% | |
| From Investments | Rs m | -1,235 | -12,702 | 9.7% | |
| From Financial Activity | Rs m | 6,376 | -1,781 | -358.1% | |
| Net Cashflow | Rs m | 1,070 | -2,310 | -46.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 2.2 | 2,675.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 50.8 | 29.3% | |
| FIIs | % | 7.0 | 15.6 | 44.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 97.8 | 41.5% | |
| Shareholders | 215,294 | 232,052 | 92.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 7.3 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs Karur Vysya 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 Karur Vysya Bank Share Price Performance
| Period | J&K Bank | Karur Vysya Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.72% | -1.29% | 0.18% |
| 1-Month | 1.16% | 5.53% | 2.80% |
| 1-Year | 152.27% | 100.16% | 12.23% |
| 3-Year CAGR | 79.45% | 52.59% | 14.67% |
| 5-Year CAGR | 17.01% | 20.35% | 10.37% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.2%.
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 Karur Vysya 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%.
Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Karur Vysya Bank.
For a sector overview, read our banking sector report.
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