J&K BANK | UJJIVAN SMALL FINANCE BANK | J&K BANK/ UJJIVAN SMALL FINANCE BANK |
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P/E (TTM) | x | 9.1 | 8.3 | 109.5% | View Chart |
P/BV | x | 1.5 | 2.5 | 58.6% | View Chart |
Dividend Yield | % | 0.4 | 2.3 | 16.1% |
J&K BANK UJJIVAN SMALL FINANCE BANK |
EQUITY SHARE DATA | |||||
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J&K BANK Mar-23 |
UJJIVAN SMALL FINANCE BANK Mar-23 |
J&K BANK/ UJJIVAN SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
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High | Rs | 63 | 34 | 187.3% | |
Low | Rs | 24 | 14 | 176.3% | |
Income per share (Unadj.) | Rs | 90.7 | 21.3 | 425.7% | |
Earnings per share (Unadj.) | Rs | 11.4 | 5.6 | 203.4% | |
Cash flow per share (Unadj.) | Rs | 46.1 | 14.8 | 312.5% | |
Dividends per share (Unadj.) | Rs | 0.50 | 1.25 | 40.0% | |
Avg Dividend yield | % | 1.2 | 5.3 | 21.7% | |
Book value per share (Unadj.) | Rs | 95.9 | 21.3 | 451.0% | |
Shares outstanding (eoy) | m | 1,031.48 | 1,954.71 | 52.8% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 0.5 | 1.1 | 43.3% | |
Avg P/E ratio | x | 3.8 | 4.2 | 90.5% | |
Avg P/CF ratio | x | 2.4 | 3.1 | 78.3% | |
Avg Price/Bookvalue ratio | x | 0.5 | 1.1 | 40.8% | |
Dividend payout | % | 4.4 | 22.2 | 19.7% | |
Avg Mkt Cap | Rs m | 44,637 | 45,936 | 97.2% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 27,086 | 9,203 | 294.3% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 93,552 | 41,650 | 224.6% | |
Other income | Rs m | 7,652 | 5,892 | 129.9% | |
Interest expense | Rs m | 46,094 | 14,671 | 314.2% | |
Net interest income | Rs m | 47,458 | 26,979 | 175.9% | |
Operating expense | Rs m | 36,509 | 18,021 | 202.6% | |
Gross profit | Rs m | 10,949 | 8,958 | 122.2% | |
Gross profit margin | % | 11.7 | 21.5 | 54.4% | |
Provisions/contingencies | Rs m | 6,616 | 3,851 | 171.8% | |
Profit before tax | Rs m | 17,856 | 14,672 | 121.7% | |
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 | 3,673 | 159.8% | |
Profit after tax | Rs m | 11,805 | 10,999 | 107.3% | |
Net profit margin | % | 12.6 | 26.4 | 47.8% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 822,776 | 212,897 | 386.5% | |
Deposits | Rs m | 1,220,272 | 255,377 | 477.8% | |
Credit/Deposit ratio | x | 67.4 | 83.4 | 80.9% | |
Yield on advances | % | 8.5 | 17.4 | 48.8% | |
Cost of deposits | % | 3.6 | 5.2 | 69.2% | |
Net Interest Margin | % | 4.1 | 9.1 | 44.8% | |
Net fixed assets | Rs m | 22,244 | 2,653 | 838.4% | |
Share capital | Rs m | 1,032 | 21,547 | 4.8% | |
Free reserves | Rs m | 97,932 | 20,032 | 488.9% | |
Net worth | Rs m | 98,963 | 41,579 | 238.0% | |
Borrowings | Rs m | 28,923 | 26,415 | 109.5% | |
Investments | Rs m | 347,804 | 85,103 | 408.7% | |
Total assets | Rs m | 1,459,126 | 333,169 | 438.0% | |
Debt/equity ratio | x | 12.6 | 6.8 | 186.3% | |
Return on assets | % | 0.8 | 3.3 | 24.5% | |
Return on equity | % | 11.9 | 26.5 | 45.1% | |
Capital adequacy ratio | % | 15.4 | 25.8 | 59.7% | |
Net NPAs | % | 1.6 | 0 | 4,050.0% |
CASH FLOW | |||||
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From Operations | Rs m | -4,071 | 10,598 | -38.4% | |
From Investments | Rs m | -1,235 | -20,957 | 5.9% | |
From Financial Activity | Rs m | 6,376 | 11,864 | 53.7% | |
Net Cashflow | Rs m | 1,070 | 1,505 | 71.1% |
Indian Promoters | % | 59.4 | 73.5 | 80.8% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 14.9 | 5.8 | 256.1% | |
FIIs | % | 7.0 | 3.5 | 200.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 40.6 | 26.5 | 153.3% | |
Shareholders | 215,294 | 690,424 | 31.2% | ||
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 | UJJIVAN SMALL FINANCE BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | 2.20% | -0.91% | 0.71% |
1-Month | 2.56% | 16.94% | 4.08% |
1-Year | 153.79% | 92.74% | 13.57% |
3-Year CAGR | 79.35% | 25.80% | 14.40% |
5-Year CAGR | 16.90% | -0.93% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UJJIVAN 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 UJJIVAN SMALL FINANCE BANK the stake stands at 73.5%.
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 UJJIVAN 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%.
UJJIVAN SMALL FINANCE BANK paid Rs 1.3, and its dividend payout ratio stood at 22.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of UJJIVAN SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.