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- Indian - banking
- J&K BANK - UNION BANK
J&K BANK vs UNION BANK - Comparison Results
Current Valuations
| J&K BANK | UNION BANK | J&K BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.1 | 8.7 | 104.5% | View Chart |
| P/BV | x | 1.5 | 1.5 | 101.3% | View Chart |
| Dividend Yield | % | 0.4 | 2.0 | 18.9% |
Financials
 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% | |
Share Holding
| Indian Promoters | % | 59.4 | 74.8 | 79.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 14.9 | 19.0 | 78.3% | |
| FIIs | % | 7.0 | 6.8 | 103.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 25.2 | 160.9% | |
| Shareholders | 215,294 | 914,940 | 23.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Union 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 Union Bank Share Price Performance
| Period | J&K Bank | Union Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.20% | 2.00% | 0.71% |
| 1-Month | 2.56% | 0.13% | 4.08% |
| 1-Year | 153.79% | 103.54% | 13.57% |
| 3-Year CAGR | 79.35% | 65.62% | 14.40% |
| 5-Year CAGR | 16.90% | 11.28% | 10.60% |
* 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 74.8%.
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.
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