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- J&K BANK - SURYODAY SMALL FINANCE BANK
J&K BANK vs SURYODAY SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | SURYODAY SMALL FINANCE BANK | J&K BANK/ SURYODAY SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.9 | 11.4 | 78.1% | View Chart |
| P/BV | x | 1.4 | 1.4 | 103.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 J&K BANK  SURYODAY SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-23 |
SURYODAY SMALL FINANCE BANK Mar-23 |
J&K BANK/ SURYODAY SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 63 | 158 | 39.7% | |
| Low | Rs | 24 | 77 | 30.8% | |
| Income per share (Unadj.) | Rs | 90.7 | 111.5 | 81.3% | |
| Earnings per share (Unadj.) | Rs | 11.4 | 7.3 | 156.4% | |
| Cash flow per share (Unadj.) | Rs | 46.1 | 32.7 | 140.8% | |
| Dividends per share (Unadj.) | Rs | 0.50 | 0 | - | |
| Avg Dividend yield | % | 1.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 95.9 | 148.5 | 64.6% | |
| Shares outstanding (eoy) | m | 1,031.48 | 106.16 | 971.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.1 | 45.2% | |
| Avg P/E ratio | x | 3.8 | 16.1 | 23.5% | |
| Avg P/CF ratio | x | 2.4 | 3.7 | 65.5% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.8 | 56.9% | |
| Dividend payout | % | 4.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 44,637 | 12,484 | 357.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 27,086 | 2,424 | 1,117.5% | |
| 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 | 11,837 | 790.3% | |
| Other income | Rs m | 7,652 | 974 | 785.5% | |
| Interest expense | Rs m | 46,094 | 4,371 | 1,054.5% | |
| Net interest income | Rs m | 47,458 | 7,466 | 635.7% | |
| Operating expense | Rs m | 36,509 | 5,065 | 720.7% | |
| Gross profit | Rs m | 10,949 | 2,400 | 456.1% | |
| Gross profit margin | % | 11.7 | 20.3 | 57.7% | |
| Provisions/contingencies | Rs m | 6,616 | 2,598 | 254.7% | |
| Profit before tax | Rs m | 17,856 | 1,009 | 1,770.3% | |
| 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 | 232 | 2,533.4% | |
| Profit after tax | Rs m | 11,805 | 777 | 1,519.5% | |
| Net profit margin | % | 12.6 | 6.6 | 192.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 822,776 | 60,151 | 1,367.9% | |
| Deposits | Rs m | 1,220,272 | 51,667 | 2,361.8% | |
| Credit/Deposit ratio | x | 67.4 | 116.4 | 57.9% | |
| Yield on advances | % | 8.5 | 17.0 | 49.9% | |
| Cost of deposits | % | 3.6 | 5.3 | 67.1% | |
| Net Interest Margin | % | 4.1 | 8.7 | 46.6% | |
| Net fixed assets | Rs m | 22,244 | 1,632 | 1,363.4% | |
| Share capital | Rs m | 1,032 | 1,062 | 97.2% | |
| Free reserves | Rs m | 97,932 | 14,698 | 666.3% | |
| Net worth | Rs m | 98,963 | 15,759 | 628.0% | |
| Borrowings | Rs m | 28,923 | 27,654 | 104.6% | |
| Investments | Rs m | 347,804 | 25,702 | 1,353.2% | |
| Total assets | Rs m | 1,459,126 | 98,612 | 1,479.7% | |
| Debt/equity ratio | x | 12.6 | 5.0 | 250.8% | |
| Return on assets | % | 0.8 | 0.8 | 102.7% | |
| Return on equity | % | 11.9 | 4.9 | 242.0% | |
| Capital adequacy ratio | % | 15.4 | 33.7 | 45.7% | |
| Net NPAs | % | 1.6 | 1.6 | 104.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -4,071 | -977 | 416.7% | |
| From Investments | Rs m | -1,235 | -2,657 | 46.5% | |
| From Financial Activity | Rs m | 6,376 | 2,135 | 298.7% | |
| Net Cashflow | Rs m | 1,070 | -1,499 | -71.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 22.4 | 265.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 17.0 | 87.8% | |
| FIIs | % | 7.0 | 2.9 | 241.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 77.6 | 52.3% | |
| Shareholders | 215,294 | 96,276 | 223.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 22.5 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on J&K Bank vs SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | SURYODAY SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.80% | -0.43% | 0.53% |
| 1-Month | 0.35% | 29.66% | 3.35% |
| 1-Year | 150.24% | 105.94% | 12.82% |
| 3-Year CAGR | 78.05% | -5.51% | 14.13% |
| 5-Year CAGR | 16.53% | -5.55% | 10.21% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK the stake stands at 22.4%.
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 SURYODAY SMALL FINANCE 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%.
SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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