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- KARNATAKA BANK - J&K BANK
KARNATAKA BANK vs J&K BANK - Comparison Results
Current Valuations
| KARNATAKA BANK | J&K BANK | KARNATAKA BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 6.2 | 9.1 | 68.1% | View Chart |
| P/BV | x | 1.0 | 1.5 | 70.8% | View Chart |
| Dividend Yield | % | 2.2 | 0.4 | 582.7% |
Financials
 KARNATAKA BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| KARNATAKA BANK Mar-23 |
J&K BANK Mar-23 |
KARNATAKA BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 169 | 63 | 268.5% | |
| Low | Rs | 56 | 24 | 234.0% | |
| Income per share (Unadj.) | Rs | 231.2 | 90.7 | 254.9% | |
| Earnings per share (Unadj.) | Rs | 37.8 | 11.4 | 330.0% | |
| Cash flow per share (Unadj.) | Rs | 76.3 | 46.1 | 165.4% | |
| Dividends per share (Unadj.) | Rs | 5.00 | 0.50 | 1,000.0% | |
| Avg Dividend yield | % | 4.5 | 1.2 | 386.0% | |
| Book value per share (Unadj.) | Rs | 262.9 | 95.9 | 274.0% | |
| Shares outstanding (eoy) | m | 312.34 | 1,031.48 | 30.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 0.5 | 101.6% | |
| Avg P/E ratio | x | 3.0 | 3.8 | 78.5% | |
| Avg P/CF ratio | x | 1.6 | 2.4 | 65.5% | |
| Avg Price/Bookvalue ratio | x | 0.4 | 0.5 | 94.5% | |
| Dividend payout | % | 13.2 | 4.4 | 303.0% | |
| Avg Mkt Cap | Rs m | 35,014 | 44,637 | 78.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 10,735 | 27,086 | 39.6% | |
| 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 | 72,202 | 93,552 | 77.2% | |
| Other income | Rs m | 9,926 | 7,652 | 129.7% | |
| Interest expense | Rs m | 40,351 | 46,094 | 87.5% | |
| Net interest income | Rs m | 31,851 | 47,458 | 67.1% | |
| Operating expense | Rs m | 19,700 | 36,509 | 54.0% | |
| Gross profit | Rs m | 12,151 | 10,949 | 111.0% | |
| Gross profit margin | % | 16.8 | 11.7 | 143.8% | |
| Provisions/contingencies | Rs m | 10,280 | 6,616 | 155.4% | |
| Profit before tax | Rs m | 14,405 | 17,856 | 80.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | -181 | -0.0% | |
| Tax | Rs m | 2,608 | 5,870 | 44.4% | |
| Profit after tax | Rs m | 11,797 | 11,805 | 99.9% | |
| Net profit margin | % | 16.3 | 12.6 | 129.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 599,516 | 822,776 | 72.9% | |
| Deposits | Rs m | 873,679 | 1,220,272 | 71.6% | |
| Credit/Deposit ratio | x | 68.6 | 67.4 | 101.8% | |
| Yield on advances | % | 9.3 | 8.5 | 109.5% | |
| Cost of deposits | % | 4.3 | 3.6 | 121.6% | |
| Net Interest Margin | % | 3.8 | 4.1 | 94.3% | |
| Net fixed assets | Rs m | 8,462 | 22,244 | 38.0% | |
| Share capital | Rs m | 3,124 | 1,032 | 302.8% | |
| Free reserves | Rs m | 78,997 | 97,932 | 80.7% | |
| Net worth | Rs m | 82,120 | 98,963 | 83.0% | |
| Borrowings | Rs m | 15,627 | 28,923 | 54.0% | |
| Investments | Rs m | 233,249 | 347,804 | 67.1% | |
| Total assets | Rs m | 990,571 | 1,459,126 | 67.9% | |
| Debt/equity ratio | x | 10.8 | 12.6 | 85.8% | |
| Return on assets | % | 1.2 | 0.8 | 147.2% | |
| Return on equity | % | 14.4 | 11.9 | 120.4% | |
| Capital adequacy ratio | % | 17.5 | 15.4 | 113.2% | |
| Net NPAs | % | 1.7 | 1.6 | 104.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 18,297 | -4,071 | -449.4% | |
| From Investments | Rs m | -875 | -1,235 | 70.9% | |
| From Financial Activity | Rs m | -195 | 6,376 | -3.1% | |
| Net Cashflow | Rs m | 17,227 | 1,070 | 1,610.7% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 41.9 | 14.9 | 281.7% | |
| FIIs | % | 18.9 | 7.0 | 269.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 300,872 | 215,294 | 139.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare KARNATAKA BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Karnataka Bank vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Karnataka Bank vs J&K Bank Share Price Performance
| Period | Karnataka Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.34% | 2.20% | 0.71% |
| 1-Month | -1.28% | 2.56% | 4.08% |
| 1-Year | 76.81% | 153.79% | 13.57% |
| 3-Year CAGR | 55.09% | 79.35% | 14.40% |
| 5-Year CAGR | 14.11% | 16.90% | 10.60% |
* Compound Annual Growth Rate
Here are more details on the Karnataka Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Karnataka Bank hold a 0.0% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Karnataka Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Karnataka Bank paid a dividend of Rs 5.0 per share. This amounted to a Dividend Payout ratio of 13.2%.
J&K Bank paid Rs 0.5, and its dividend payout ratio stood at 4.4%.
You may visit here to review the dividend history of Karnataka Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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