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- Indian - banking
- RBL BANK - J&K BANK
RBL BANK vs J&K BANK - Comparison Results
Current Valuations
| RBL BANK | J&K BANK | RBL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 12.9 | 8.8 | 146.9% | View Chart |
| P/BV | x | 1.1 | 1.4 | 80.3% | View Chart |
| Dividend Yield | % | 0.6 | 0.4 | 151.2% |
Financials
 RBL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| RBL BANK Mar-23 |
J&K BANK Mar-23 |
RBL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 189 | 63 | 301.5% | |
| Low | Rs | 74 | 24 | 311.6% | |
| Income per share (Unadj.) | Rs | 159.3 | 90.7 | 175.6% | |
| Earnings per share (Unadj.) | Rs | 15.3 | 11.4 | 134.0% | |
| Cash flow per share (Unadj.) | Rs | 83.9 | 46.1 | 182.0% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 0.50 | 300.0% | |
| Avg Dividend yield | % | 1.1 | 1.2 | 98.6% | |
| Book value per share (Unadj.) | Rs | 224.3 | 95.9 | 233.8% | |
| Shares outstanding (eoy) | m | 599.57 | 1,031.48 | 58.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.8 | 0.5 | 173.3% | |
| Avg P/E ratio | x | 8.6 | 3.8 | 227.1% | |
| Avg P/CF ratio | x | 3.5 | 2.4 | 145.2% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 0.5 | 130.1% | |
| Dividend payout | % | 9.8 | 4.4 | 223.9% | |
| Avg Mkt Cap | Rs m | 78,948 | 44,637 | 176.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 16,535 | 27,086 | 61.0% | |
| 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 | 95,496 | 93,552 | 102.1% | |
| Other income | Rs m | 25,069 | 7,652 | 327.6% | |
| Interest expense | Rs m | 46,786 | 46,094 | 101.5% | |
| Net interest income | Rs m | 48,709 | 47,458 | 102.6% | |
| Operating expense | Rs m | 51,348 | 36,509 | 140.6% | |
| Gross profit | Rs m | -2,638 | 10,949 | -24.1% | |
| Gross profit margin | % | -2.8 | 11.7 | -23.6% | |
| Provisions/contingencies | Rs m | 13,235 | 6,616 | 200.1% | |
| Profit before tax | Rs m | 12,211 | 17,856 | 68.4% | |
| 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 | 3,016 | 5,870 | 51.4% | |
| Profit after tax | Rs m | 9,195 | 11,805 | 77.9% | |
| Net profit margin | % | 9.6 | 12.6 | 76.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 701,864 | 822,776 | 85.3% | |
| Deposits | Rs m | 848,747 | 1,220,272 | 69.6% | |
| Credit/Deposit ratio | x | 82.7 | 67.4 | 122.6% | |
| Yield on advances | % | 10.8 | 8.5 | 126.5% | |
| Cost of deposits | % | 4.7 | 3.6 | 132.4% | |
| Net Interest Margin | % | 4.9 | 4.1 | 121.5% | |
| Net fixed assets | Rs m | 5,532 | 22,244 | 24.9% | |
| Share capital | Rs m | 5,996 | 1,032 | 581.2% | |
| Free reserves | Rs m | 128,511 | 97,932 | 131.2% | |
| Net worth | Rs m | 134,507 | 98,963 | 135.9% | |
| Borrowings | Rs m | 133,317 | 28,923 | 460.9% | |
| Investments | Rs m | 287,303 | 347,804 | 82.6% | |
| Total assets | Rs m | 1,158,057 | 1,459,126 | 79.4% | |
| Debt/equity ratio | x | 7.3 | 12.6 | 57.8% | |
| Return on assets | % | 0.8 | 0.8 | 98.1% | |
| Return on equity | % | 6.8 | 11.9 | 57.3% | |
| Capital adequacy ratio | % | 16.9 | 15.4 | 109.8% | |
| Net NPAs | % | 1.1 | 1.6 | 67.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -110,312 | -4,071 | 2,709.5% | |
| From Investments | Rs m | -2,336 | -1,235 | 189.1% | |
| From Financial Activity | Rs m | 22,347 | 6,376 | 350.5% | |
| Net Cashflow | Rs m | -90,301 | 1,070 | -8,443.1% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 45.7 | 14.9 | 307.0% | |
| FIIs | % | 25.1 | 7.0 | 359.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 358,110 | 215,294 | 166.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare RBL BANK With: HDFC BANK AXIS BANK ICICI BANK SBI 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 | 3.29% | -2.33% | 1.02% |
| 1-Month | 11.60% | -2.92% | 2.05% |
| 1-Year | 69.88% | 151.92% | 12.30% |
| 3-Year CAGR | 13.13% | 77.34% | 14.92% |
| 5-Year CAGR | -17.89% | 16.93% | 10.00% |
* 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 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 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 1.5 per share. This amounted to a Dividend Payout ratio of 9.8%.
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 RBL BANK, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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