RBL BANK vs J&K BANK - Comparison Results
Current Valuations
| RBL BANK | J&K BANK | RBL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 66.7 | 7.5 | 888.1% | View Chart |
| P/BV | x | 3.6 | 1.2 | 297.2% | View Chart |
| Dividend Yield | % | 0.3 | 1.4 | 18.9% |
Financials
 RBL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| RBL BANK Mar-26 |
J&K BANK Mar-25 |
RBL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 340 | 147 | 231.5% | |
| Low | Rs | 165 | 87 | 190.0% | |
| Income per share (Unadj.) | Rs | 231.9 | 113.9 | 203.7% | |
| Earnings per share (Unadj.) | Rs | 14.2 | 18.9 | 75.2% | |
| Cash flow per share (Unadj.) | Rs | 92.9 | 55.4 | 167.8% | |
| Dividends per share (Unadj.) | Rs | 1.00 | 2.15 | 46.5% | |
| Avg Dividend yield | % | 0.4 | 1.8 | 21.5% | |
| Book value per share (Unadj.) | Rs | 267.7 | 129.0 | 207.5% | |
| Shares outstanding (eoy) | m | 618.11 | 1,101.18 | 56.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.1 | 1.0 | 106.1% | |
| Avg P/E ratio | x | 17.8 | 6.2 | 287.3% | |
| Avg P/CF ratio | x | 4.6 | 4.4 | 105.6% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 104.1% | |
| Dividend payout | % | 7.0 | 11.4 | 61.8% | |
| Avg Mkt Cap | Rs m | 156,089 | 128,673 | 121.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 24,319 | 27,879 | 87.2% | |
| 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 | 143,367 | 125,411 | 114.3% | |
| Other income | Rs m | 41,272 | 11,469 | 359.8% | |
| Interest expense | Rs m | 79,747 | 67,413 | 118.3% | |
| Net interest income | Rs m | 63,621 | 57,998 | 109.7% | |
| Operating expense | Rs m | 71,237 | 40,120 | 177.6% | |
| Gross profit | Rs m | -7,616 | 17,878 | -42.6% | |
| Gross profit margin | % | -5.3 | 14.3 | -37.3% | |
| Provisions/contingencies | Rs m | 24,866 | 8,485 | 293.0% | |
| Profit before tax | Rs m | 11,060 | 29,387 | 37.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | -45 | -0.0% | |
| Tax | Rs m | 2,270 | 8,524 | 26.6% | |
| Profit after tax | Rs m | 8,790 | 20,818 | 42.2% | |
| Net profit margin | % | 6.1 | 16.6 | 36.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,142,319 | 1,041,838 | 109.6% | |
| Deposits | Rs m | 1,389,593 | 1,485,520 | 93.5% | |
| Credit/Deposit ratio | x | 82.2 | 70.1 | 117.2% | |
| Yield on advances | % | 10.2 | 9.0 | 112.9% | |
| Cost of deposits | % | 5.1 | 4.3 | 116.9% | |
| Net Interest Margin | % | 4.3 | 4.0 | 109.0% | |
| Net fixed assets | Rs m | 6,018 | 21,263 | 28.3% | |
| Share capital | Rs m | 6,181 | 1,101 | 561.2% | |
| Free reserves | Rs m | 159,309 | 140,982 | 113.0% | |
| Net worth | Rs m | 165,490 | 142,083 | 116.5% | |
| Borrowings | Rs m | 167,964 | 23,828 | 704.9% | |
| Investments | Rs m | 320,586 | 411,217 | 78.0% | |
| Total assets | Rs m | 1,807,469 | 1,694,235 | 106.7% | |
| Debt/equity ratio | x | 9.4 | 10.6 | 88.6% | |
| Return on assets | % | 0.5 | 1.2 | 39.6% | |
| Return on equity | % | 5.3 | 14.7 | 36.3% | |
| Capital adequacy ratio | % | 14.3 | 16.4 | 87.0% | |
| Net NPAs | % | 0.4 | 0.8 | 49.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 76,123 | 27,231 | 279.5% | |
| From Investments | Rs m | -2,249 | -1,021 | 220.3% | |
| From Financial Activity | Rs m | 31,600 | -10,344 | -305.5% | |
| Net Cashflow | Rs m | 105,473 | 15,867 | 664.7% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 60.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 25.8 | 17.2 | 150.0% | |
| FIIs | % | 8.8 | 9.4 | 93.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.0 | 40.6 | 98.5% | |
| Shareholders | 320,792 | 219,636 | 146.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare RBL BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on RBL 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:
RBL BANK vs J&K Bank Share Price Performance
| Period | RBL BANK | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.51% | 0.35% | 0.61% |
| 1-Month | 1.75% | -13.78% | -0.51% |
| 1-Year | 52.87% | 50.33% | 6.75% |
| 3-Year CAGR | 20.06% | 26.50% | 9.78% |
| 5-Year CAGR | 17.02% | 33.66% | 9.85% |
* Compound Annual Growth Rate
Here are more details on the RBL BANK share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of RBL BANK hold a 60.0% 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 RBL BANK and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, RBL BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 7.0%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 11.4%.
You may visit here to review the dividend history of RBL BANK, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
Today's Market
![]()
Sensex Today Ends 188 Points Lower | Nifty Below 24,450 | Godrej Consumer Products Down 11%(Closing)
Sensex Today Ends 188 Points Lower | Nifty Below 24,450 | Godrej Consumer Products Down 11%Although the benchmark indices opened lower, they traded negative throughout the session and ultimately closed red.
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