J&K BANK | UNION BANK | J&K BANK/ UNION BANK |
|||
---|---|---|---|---|---|
P/E (TTM) | x | 8.9 | 8.4 | 106.4% | View Chart |
P/BV | x | 1.4 | 1.4 | 103.2% | View Chart |
Dividend Yield | % | 0.4 | 2.1 | 18.6% |
J&K BANK UNION BANK |
EQUITY SHARE DATA | |||||
---|---|---|---|---|---|
J&K BANK Mar-23 |
UNION BANK Mar-23 |
J&K BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
High | Rs | 63 | 96 | 65.1% | |
Low | Rs | 24 | 34 | 70.9% | |
Income per share (Unadj.) | Rs | 90.7 | 118.8 | 76.4% | |
Earnings per share (Unadj.) | Rs | 11.4 | 12.5 | 91.9% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 27.2 | 169.6% | |
Dividends per share (Unadj.) | Rs | 0.50 | 3.00 | 16.7% | |
Avg Dividend yield | % | 1.2 | 4.6 | 25.0% | |
Book value per share (Unadj.) | Rs | 95.9 | 115.3 | 83.2% | |
Shares outstanding (eoy) | m | 1,031.48 | 6,834.75 | 15.1% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 0.5 | 87.2% | |
Avg P/E ratio | x | 3.8 | 5.2 | 72.5% | |
Avg P/CF ratio | x | 2.4 | 1.7 | 139.9% | |
Avg Price/Bookvalue ratio | x | 0.5 | 0.6 | 80.0% | |
Dividend payout | % | 4.4 | 24.1 | 18.1% | |
Avg Mkt Cap | Rs m | 44,637 | 444,088 | 10.1% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 125,240 | 21.6% | |
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 | 811,632 | 11.5% | |
Other income | Rs m | 7,652 | 159,154 | 4.8% | |
Interest expense | Rs m | 46,094 | 480,328 | 9.6% | |
Net interest income | Rs m | 47,458 | 331,303 | 14.3% | |
Operating expense | Rs m | 36,509 | 234,873 | 15.5% | |
Gross profit | Rs m | 10,949 | 96,430 | 11.4% | |
Gross profit margin | % | 11.7 | 11.9 | 98.5% | |
Provisions/contingencies | Rs m | 6,616 | 171,280 | 3.9% | |
Profit before tax | Rs m | 17,856 | 121,465 | 14.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | -181 | 813 | -22.2% | |
Tax | Rs m | 5,870 | 37,162 | 15.8% | |
Profit after tax | Rs m | 11,805 | 85,117 | 13.9% | |
Net profit margin | % | 12.6 | 10.5 | 120.3% |
BALANCE SHEET DATA | |||||
---|---|---|---|---|---|
Advances | Rs m | 822,776 | 7,642,767 | 10.8% | |
Deposits | Rs m | 1,220,272 | 11,203,219 | 10.9% | |
Credit/Deposit ratio | x | 67.4 | 68.2 | 98.8% | |
Yield on advances | % | 8.5 | 7.4 | 114.3% | |
Cost of deposits | % | 3.6 | 4.0 | 90.0% | |
Net Interest Margin | % | 4.1 | 3.0 | 135.6% | |
Net fixed assets | Rs m | 22,244 | 88,258 | 25.2% | |
Share capital | Rs m | 1,032 | 69,388 | 1.5% | |
Free reserves | Rs m | 97,932 | 718,648 | 13.6% | |
Net worth | Rs m | 98,963 | 788,035 | 12.6% | |
Borrowings | Rs m | 28,923 | 427,366 | 6.8% | |
Investments | Rs m | 347,804 | 3,437,270 | 10.1% | |
Total assets | Rs m | 1,459,126 | 12,883,571 | 11.3% | |
Debt/equity ratio | x | 12.6 | 14.8 | 85.5% | |
Return on assets | % | 0.8 | 0.7 | 122.5% | |
Return on equity | % | 11.9 | 10.8 | 110.4% | |
Capital adequacy ratio | % | 15.4 | 16.0 | 96.1% | |
Net NPAs | % | 1.6 | 1.7 | 95.3% |
CASH FLOW | |||||
---|---|---|---|---|---|
From Operations | Rs m | -4,071 | 61,114 | -6.7% | |
From Investments | Rs m | -1,235 | -25,611 | 4.8% | |
From Financial Activity | Rs m | 6,376 | -106,541 | -6.0% | |
Net Cashflow | Rs m | 1,070 | -71,038 | -1.5% |
Indian Promoters | % | 59.4 | 77.0 | 77.2% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 16.3 | 91.5% | |
FIIs | % | 7.0 | 4.0 | 176.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 23.0 | 176.4% | |
Shareholders | 215,294 | 874,309 | 24.6% | ||
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 | Union Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.00% | 1.22% | -0.13% |
1-Month | -1.25% | -5.45% | 1.59% |
1-Year | 150.05% | 97.29% | 12.04% |
3-Year CAGR | 78.35% | 64.27% | 14.90% |
5-Year CAGR | 16.09% | 9.83% | 9.56% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Union 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 Union Bank the stake stands at 77.0%.
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 Union 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%.
Union Bank paid Rs 3.0, and its dividend payout ratio stood at 24.1%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Union Bank.
For a sector overview, read our banking sector report.
Asian share markets are mixed today after US shares extended their losing streak to the longest since January 2024.