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- Indian - banking
- PNB - J&K BANK
PNB vs J&K BANK - Comparison Results
Current Valuations
| PNB | J&K BANK | PNB/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 20.3 | 8.9 | 227.0% | View Chart |
| P/BV | x | 1.4 | 1.5 | 94.7% | View Chart |
| Dividend Yield | % | 0.5 | 0.4 | 132.0% |
Financials
 PNB  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PNB Mar-23 |
J&K BANK Mar-23 |
PNB/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 62 | 63 | 98.9% | |
| Low | Rs | 28 | 24 | 117.9% | |
| Income per share (Unadj.) | Rs | 78.9 | 90.7 | 87.0% | |
| Earnings per share (Unadj.) | Rs | 3.0 | 11.4 | 26.6% | |
| Cash flow per share (Unadj.) | Rs | 8.7 | 46.1 | 18.9% | |
| Dividends per share (Unadj.) | Rs | 0.65 | 0.50 | 130.0% | |
| Avg Dividend yield | % | 1.4 | 1.2 | 124.9% | |
| Book value per share (Unadj.) | Rs | 93.4 | 95.9 | 97.4% | |
| Shares outstanding (eoy) | m | 11,011.02 | 1,031.48 | 1,067.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.6 | 0.5 | 119.7% | |
| Avg P/E ratio | x | 14.8 | 3.8 | 391.8% | |
| Avg P/CF ratio | x | 2.1 | 2.4 | 88.2% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 0.5 | 106.9% | |
| Dividend payout | % | 21.4 | 4.4 | 489.3% | |
| Avg Mkt Cap | Rs m | 496,046 | 44,637 | 1,111.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 149,426 | 27,086 | 551.7% | |
| 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 | 868,453 | 93,552 | 928.3% | |
| Other income | Rs m | 122,396 | 7,652 | 1,599.4% | |
| Interest expense | Rs m | 518,170 | 46,094 | 1,124.1% | |
| Net interest income | Rs m | 350,283 | 47,458 | 738.1% | |
| Operating expense | Rs m | 243,357 | 36,509 | 666.6% | |
| Gross profit | Rs m | 106,926 | 10,949 | 976.6% | |
| Gross profit margin | % | 12.3 | 11.7 | 105.2% | |
| Provisions/contingencies | Rs m | 198,629 | 6,616 | 3,002.4% | |
| Profit before tax | Rs m | 48,614 | 17,856 | 272.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -103 | 0 | - | |
| Prior Period Items | Rs m | 2,894 | -181 | -1,601.8% | |
| Tax | Rs m | 17,921 | 5,870 | 305.3% | |
| Profit after tax | Rs m | 33,485 | 11,805 | 283.6% | |
| Net profit margin | % | 3.9 | 12.6 | 30.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 8,374,590 | 822,776 | 1,017.8% | |
| Deposits | Rs m | 12,903,471 | 1,220,272 | 1,057.4% | |
| Credit/Deposit ratio | x | 64.9 | 67.4 | 96.3% | |
| Yield on advances | % | 6.9 | 8.5 | 81.1% | |
| Cost of deposits | % | 3.6 | 3.6 | 102.2% | |
| Net Interest Margin | % | 2.8 | 4.1 | 68.9% | |
| Net fixed assets | Rs m | 120,840 | 22,244 | 543.2% | |
| Share capital | Rs m | 22,022 | 1,032 | 2,134.7% | |
| Free reserves | Rs m | 1,006,783 | 97,932 | 1,028.0% | |
| Net worth | Rs m | 1,028,805 | 98,963 | 1,039.6% | |
| Borrowings | Rs m | 701,486 | 28,923 | 2,425.4% | |
| Investments | Rs m | 4,169,138 | 347,804 | 1,198.7% | |
| Total assets | Rs m | 14,936,490 | 1,459,126 | 1,023.7% | |
| Debt/equity ratio | x | 13.2 | 12.6 | 104.8% | |
| Return on assets | % | 0.2 | 0.8 | 27.7% | |
| Return on equity | % | 3.3 | 11.9 | 27.3% | |
| Capital adequacy ratio | % | 15.5 | 15.4 | 100.6% | |
| Net NPAs | % | 2.7 | 1.6 | 167.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 225,921 | -4,071 | -5,549.2% | |
| From Investments | Rs m | -7,325 | -1,235 | 593.0% | |
| From Financial Activity | Rs m | 12,750 | 6,376 | 200.0% | |
| Net Cashflow | Rs m | 231,346 | 1,070 | 21,630.6% | |
Share Holding
| Indian Promoters | % | 73.2 | 59.4 | 123.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 17.2 | 14.9 | 115.5% | |
| FIIs | % | 4.8 | 7.0 | 69.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 26.9 | 40.6 | 66.1% | |
| Shareholders | 2,353,625 | 215,294 | 1,093.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PNB With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on PNB 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:
PNB vs J&K Bank Share Price Performance
| Period | PNB | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -3.35% | -1.32% | -0.53% |
| 1-Month | 6.96% | -1.10% | 1.69% |
| 1-Year | 163.22% | 148.14% | 12.04% |
| 3-Year CAGR | 54.45% | 74.24% | 13.99% |
| 5-Year CAGR | 6.72% | 15.86% | 9.36% |
* Compound Annual Growth Rate
Here are more details on the PNB share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of PNB hold a 73.2% 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 PNB and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, PNB paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 21.4%.
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 PNB, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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