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- Indian - banking
- J&K BANK - KARNATAKA BANK
J&K BANK vs KARNATAKA BANK - Comparison Results
Current Valuations
| J&K BANK | KARNATAKA BANK | J&K BANK/ KARNATAKA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 6.1 | 145.5% | View Chart |
| P/BV | x | 1.4 | 1.0 | 140.0% | View Chart |
| Dividend Yield | % | 0.4 | 2.2 | 17.3% |
Financials
 J&K BANK  KARNATAKA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
KARNATAKA BANK Mar-23 |
J&K BANK/ KARNATAKA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 169 | 37.2% | |
| Low | Rs | 24 | 56 | 42.7% | |
| Income per share (Unadj.) | Rs | 90.7 | 231.2 | 39.2% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 37.8 | 30.3% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 76.3 | 60.5% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 5.00 | 10.0% | |
| Avg Dividend yield | % | 1.2 | 4.5 | 25.9% | |
| Book value per share (Unadj.) | Rs | 95.9 | 262.9 | 36.5% | |
| Shares outstanding (eoy) | m | 1,031.48 | 312.34 | 330.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.5 | 98.4% | |
| Avg P/E ratio | x | 3.8 | 3.0 | 127.4% | |
| Avg P/CF ratio | x | 2.4 | 1.6 | 152.8% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.4 | 105.8% | |
| Dividend payout | % | 4.4 | 13.2 | 33.0% | |
| Avg Mkt Cap | Rs m | 44,637 | 35,014 | 127.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 10,735 | 252.3% | |
| 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 | 72,202 | 129.6% | |
| Other income | Rs m | 7,652 | 9,926 | 77.1% | |
| Interest expense | Rs m | 46,094 | 40,351 | 114.2% | |
| Net interest income | Rs m | 47,458 | 31,851 | 149.0% | |
| Operating expense | Rs m | 36,509 | 19,700 | 185.3% | |
| Gross profit | Rs m | 10,949 | 12,151 | 90.1% | |
| Gross profit margin | % | 11.7 | 16.8 | 69.5% | |
| Provisions/contingencies | Rs m | 6,616 | 10,280 | 64.4% | |
| Profit before tax | Rs m | 17,856 | 14,405 | 124.0% | |
| 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 | 2,608 | 225.1% | |
| Profit after tax | Rs m | 11,805 | 11,797 | 100.1% | |
| Net profit margin | % | 12.6 | 16.3 | 77.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 599,516 | 137.2% | |
| Deposits | Rs m | 1,220,272 | 873,679 | 139.7% | |
| Credit/Deposit ratio | x | 67.4 | 68.6 | 98.3% | |
| Yield on advances | % | 8.5 | 9.3 | 91.3% | |
| Cost of deposits | % | 3.6 | 4.3 | 82.3% | |
| Net Interest Margin | % | 4.1 | 3.8 | 106.0% | |
| Net fixed assets | Rs m | 22,244 | 8,462 | 262.9% | |
| Share capital | Rs m | 1,032 | 3,124 | 33.0% | |
| Free reserves | Rs m | 97,932 | 78,997 | 124.0% | |
| Net worth | Rs m | 98,963 | 82,120 | 120.5% | |
| Borrowings | Rs m | 28,923 | 15,627 | 185.1% | |
| Investments | Rs m | 347,804 | 233,249 | 149.1% | |
| Total assets | Rs m | 1,459,126 | 990,571 | 147.3% | |
| Debt/equity ratio | x | 12.6 | 10.8 | 116.6% | |
| Return on assets | % | 0.8 | 1.2 | 67.9% | |
| Return on equity | % | 11.9 | 14.4 | 83.0% | |
| Capital adequacy ratio | % | 15.4 | 17.5 | 88.3% | |
| Net NPAs | % | 1.6 | 1.7 | 95.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | 18,297 | -22.3% | |
| From Investments | Rs m | -1,235 | -875 | 141.1% | |
| From Financial Activity | Rs m | 6,376 | -195 | -3,277.6% | |
| Net Cashflow | Rs m | 1,070 | 17,227 | 6.2% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 41.9 | 35.5% | |
| FIIs | % | 7.0 | 18.9 | 37.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 215,294 | 300,872 | 71.6% | ||
| 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 Karnataka 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 Karnataka Bank Share Price Performance
| Period | J&K Bank | Karnataka Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.80% | -0.20% | 0.53% |
| 1-Month | 0.35% | -2.59% | 3.35% |
| 1-Year | 150.24% | 75.09% | 12.82% |
| 3-Year CAGR | 78.05% | 54.41% | 14.13% |
| 5-Year CAGR | 16.53% | 13.85% | 10.21% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Karnataka 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 Karnataka 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 Karnataka 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%.
Karnataka Bank paid Rs 5.0, and its dividend payout ratio stood at 13.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Karnataka Bank.
For a sector overview, read our banking sector report.
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