WEBSITE BSE:532209 NSE: J & K BANK Inc. Year: 1938 Industry: Bank - Private My Bucket: Add Stock
Last updated: 15:59
Jammu and Kashmir Bank Ltd is engaged inside the banking enterprise. The Bank offers various services and products, inclusive of loans, personal accounts, term deposits, insurance, cards, commercial enterprise debts, agriculture loans, mutual funds and non-resident banking. Its business segments consist of Treasury, Corporate/wholesale banking, Retail banking and different banking operations. It provides loans, along with housing loan, educational finance, commercial vehicle finance, consumer loan and agricultural term loan. It offers savings a...Read More
Jammu and Kashmir Bank Ltd is engaged inside the banking enterprise. The Bank offers various services and products, inclusive of loans, personal accounts, term deposits, insurance, cards, commercial enterprise debts, agriculture loans, mutual funds and non-resident banking. Its business segments consist of Treasury, Corporate/wholesale banking, Retail banking and different banking operations. It provides loans, along with housing loan, educational finance, commercial vehicle finance, consumer loan and agricultural term loan. It offers savings and deposits, which include Salary Accounts, Small Account and Fixed Deposit Schemes. It additionally provides non-resident banking services, consisting of Non-Resident External (NRE) Rupee Deposits and Non-Resident Ordinary (NRO) Rupee Deposits. It operates thru over 955 branches, which consist of about 174 metro branches, over 109 city branches, approximately 159 semi-city branches and 513 rural branches, spread over 18 states and four union territories. ...Read Less
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Market Cap ₹14453 Cr.
Stock P/E 6.9
P/B 1
Current Price ₹131.3
Book Value ₹ 129.4
Face Value 1
52W High ₹133.2
Dividend Yield 1.64%
52W Low ₹ 87.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 2764 | 2881 | 2910 | 2994 | 3124 | 3210 | 3213 | 3269 | 3293 | 3315 |
| Other Income | 193 | 186 | 229 | 198 | 301 | 242 | 406 | 253 | 157 | 282 |
| Total Income | 2957 | 3067 | 3139 | 3193 | 3424 | 3452 | 3619 | 3523 | 3450 | 3597 |
| Interest Expense | 1430 | 1600 | 1604 | 1625 | 1687 | 1697 | 1732 | 1803 | 1858 | 1824 |
| Operating Expenditure | 992 | 915 | 870 | 972 | 948 | 1006 | 1087 | 1046 | 969 | 991 |
| Provisions and contingencies | -10 | -9 | -165 | -17 | 33 | -10 | -9 | 15 | -11 | -26 |
| Operating Profit | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 |
| Profit Before Tax | 545 | 561 | 830 | 614 | 757 | 758 | 810 | 659 | 635 | 807 |
| Provision for Tax | 164 | 139 | 191 | 197 | 204 | 227 | 225 | 173 | 140 | 220 |
| Profit After Tax | 382 | 422 | 640 | 417 | 553 | 532 | 585 | 486 | 495 | 588 |
| Adjustments | 2 | 1 | -6 | 2 | 0 | -3 | -3 | -1 | 0 | -6 |
| Profit After Adjustments | 384 | 423 | 633 | 419 | 553 | 529 | 582 | 485 | 495 | 581 |
| Adjusted Earnings Per Share | 3.7 | 3.8 | 5.8 | 3.8 | 5 | 4.8 | 5.3 | 4.4 | 4.5 | 5.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 7061 | 6844 | 6686 | 6621 | 7676 | 8446 | 8111 | 8013 | 9355 | 11213 | 12541 | 13090 |
| Other Income | 599 | 509 | 497 | 501 | 817 | 509 | 701 | 753 | 765 | 838 | 1147 | 1098 |
| Total Income | 7660 | 7352 | 7183 | 7122 | 8493 | 8955 | 8813 | 8766 | 10120 | 12051 | 13688 | 14189 |
| Interest Expense | 4409 | 4132 | 4173 | 3750 | 4291 | 4739 | 4340 | 4101 | 4609 | 6008 | 6741 | 7217 |
| Operating Expenditure | 1416 | 1554 | 1716 | 1990 | 2485 | 2735 | 2884 | 3599 | 3651 | 3763 | 4012 | 4093 |
| Provisions and contingencies | 1015 | 976 | 2800 | 1261 | 1058 | 2625 | 1052 | 321 | 74 | -108 | -4 | -31 |
| Operating Profit | 820 | 689 | -1507 | 121 | 659 | -1144 | 537 | 746 | 1786 | 2388 | 2939 | 2911 |
| Profit Before Tax | 820 | 689 | -1507 | 121 | 659 | -1144 | 537 | 746 | 1786 | 2388 | 2939 | 2911 |
| Provision for Tax | 312 | 276 | 126 | -82 | 195 | 39 | 102 | 241 | 587 | 618 | 852 | 758 |
| Profit After Tax | 508 | 414 | -1633 | 203 | 464 | -1183 | 435 | 504 | 1199 | 1770 | 2086 | 2154 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | -6 | -10 | -18 | 1 | -4 | -10 |
| Profit After Adjustments | 508 | 414 | -1633 | 203 | 464 | -1183 | 428 | 495 | 1181 | 1771 | 2082 | 2143 |
| Adjusted Earnings Per Share | 10.5 | 8.5 | -31.3 | 3.6 | 8.3 | -16.6 | 6 | 5.3 | 11.4 | 16.1 | 18.9 | 19.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 12% | 16% | 8% | 6% |
| Operating Profit CAGR | 23% | 58% | 0% | 14% |
| PAT CAGR | 18% | 61% | 0% | 15% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 29% | 36% | 42% | 8% |
| ROE Average | 17% | 17% | 13% | 4% |
| ROCE Average | 20% | 19% | 15% | 8% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 6108 | 6421 | 5673 | 6158 | 6622 | 6346 | 6802 | 8077 | 9896 | 12193 | 14208 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 65736 | 69379 | 72459 | 80005 | 89637 | 97786 | 108047 | 114703 | 122027 | 134765 | 148552 |
| Borrowings | 2340 | 2240 | 1276 | 1628 | 2624 | 2020 | 2015 | 2371 | 2892 | 2885 | 2383 |
| Other Liabilities & Provisions | 1726 | 2214 | 2604 | 1894 | 2522 | 2678 | 3408 | 5425 | 11097 | 4662 | 4280 |
| Total Liabilities | 75910 | 80254 | 82012 | 89684 | 101405 | 108829 | 120273 | 130576 | 145913 | 154505 | 169424 |
| Cash and balance with RBI | 2373 | 3127 | 3591 | 4328 | 4875 | 2947 | 3685 | 7750 | 7794 | 7250 | 7385 |
| Bank Balance | 1362 | 77 | 1802 | 3932 | 997 | 6845 | 5818 | 1042 | 1105 | 946 | 2398 |
| Investments | 22740 | 20334 | 21271 | 18860 | 23141 | 22990 | 30774 | 33785 | 34780 | 34900 | 41122 |
| Advances | 44586 | 50193 | 49816 | 56913 | 66272 | 64399 | 66842 | 70393 | 82278 | 93757 | 104184 |
| Fixed Assets | 655 | 706 | 1479 | 1598 | 1646 | 2036 | 1971 | 1908 | 2224 | 2208 | 2126 |
| Other Assets | 4160 | 5758 | 3989 | 4037 | 4445 | 9576 | 11141 | 15652 | 17684 | 15394 | 12143 |
| Total Assets | 75910 | 80254 | 82012 | 89684 | 101405 | 108829 | 120273 | 130576 | 145913 | 154505 | 169424 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 4216 | 3735 | 3204 | 5393 | 8260 | 5872 | 9793 | 9504 | 8792 | 8899 | 8196 |
| Cash Flow from Operating Activities | 118 | -219 | 2457 | 2363 | -2992 | 4374 | -14 | -1568 | -407 | -853 | 2723 |
| Cash Flow from Investing Activities | -261 | -136 | -861 | -164 | -165 | -115 | -76 | -85 | -124 | -257 | -102 |
| Cash Flow from Financing Activities | -338 | -176 | 593 | 668 | 769 | -339 | -199 | 941 | 638 | 407 | -1034 |
| Net Cash Inflow / Outflow | -480 | -531 | 2189 | 2867 | -2388 | 3920 | -289 | -712 | 107 | -702 | 1587 |
| Closing Cash & Cash Equivalent | 3735 | 3204 | 5393 | 8260 | 5872 | 9793 | 9504 | 8792 | 8899 | 8196 | 9783 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 10.49 | 8.54 | -31.32 | 3.64 | 8.33 | -16.59 | 6.01 | 5.3 | 11.44 | 16.08 | 18.91 |
| CEPS(Rs) | 12.45 | 9.86 | -29.69 | 5.38 | 10.2 | -14.83 | 7.98 | 6.74 | 12.9 | 17.96 | 20.38 |
| DPS(Rs) | 2.1 | 1.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0.5 | 2.15 | 2.15 |
| Book NAV/Share(Rs) | 126 | 132.45 | 96.64 | 99.44 | 108.03 | 74.99 | 81.71 | 75.4 | 83.52 | 99.2 | 117.78 |
| Yield on Advances | 15.84 | 13.63 | 13.42 | 11.63 | 11.58 | 13.12 | 12.13 | 11.38 | 11.37 | 11.96 | 12.04 |
| Yield on Investments | 8.15 | 8.82 | 9.02 | 7.79 | 7.55 | 7.35 | 6.44 | 5.33 | 6.1 | 6.66 | 6.74 |
| Cost of Liabilities | 6.48 | 5.77 | 5.66 | 4.59 | 4.65 | 4.75 | 3.94 | 3.5 | 3.69 | 4.36 | 4.47 |
| NIM (Net Interest Margin) | 3.73 | 3.68 | 3.29 | 3.42 | 3.55 | 3.81 | 3.52 | 3.46 | 3.77 | 3.8 | 3.74 |
| Interest Spread | 9.36 | 7.86 | 7.76 | 7.04 | 6.93 | 8.37 | 8.19 | 7.88 | 7.68 | 7.6 | 7.57 |
| ROA(%) | 0.66 | 0.53 | -2.01 | 0.24 | 0.49 | -1.13 | 0.38 | 0.4 | 0.87 | 1.18 | 1.29 |
| ROE(%) | 8.6 | 6.61 | -28.5 | 3.83 | 8.03 | -20.82 | 7.78 | 7.84 | 15.32 | 18.12 | 17.46 |
| ROCE(%) | 12.87 | 9.78 | -18.09 | 3.52 | 10.94 | -10.24 | 8.58 | 9.82 | 17.6 | 19.45 | 20.48 |
| PER(x) | 9.09 | 7.11 | 0 | 16.61 | 6.45 | 0 | 4.28 | 6.09 | 4.3 | 8.33 | 4.88 |
| Price/Book(x) | 0.76 | 0.46 | 0.78 | 0.61 | 0.5 | 0.17 | 0.31 | 0.43 | 0.59 | 1.35 | 0.78 |
| Dividend Yield(%) | 2.2 | 2.88 | 0 | 0 | 0 | 0 | 0 | 0 | 1.02 | 1.6 | 2.33 |
| EV/Net Sales(x) | 0.99 | 0.76 | 0.78 | 0.75 | 0.73 | 0.34 | 0.47 | 0.67 | 0.85 | 1.57 | 1 |
| EV/Core EBITDA(x) | 3.79 | 3.11 | 4.01 | 3.61 | 3.27 | 1.96 | 2.42 | 5.05 | 4.28 | 7.74 | 4.27 |
| Interest Earned Growth(%) | 4.35 | -3.08 | -2.31 | -0.96 | 15.92 | 10.04 | -3.97 | -1.21 | 16.75 | 19.86 | 11.84 |
| Net Profit Growth | -56.95 | -18.61 | -494.59 | 112.41 | 128.85 | -355.12 | 136.74 | 16.02 | 137.61 | 47.67 | 17.87 |
| Advances Growth | -3.88 | 12.58 | -0.75 | 14.25 | 16.44 | -2.83 | 3.79 | 5.31 | 16.88 | 13.95 | 11.12 |
| EPS Growth(%) | 330.53 | -18.61 | -466.93 | 111.62 | 128.84 | -299.13 | 136.21 | -11.67 | 115.76 | 40.54 | 17.53 |
| Loans/Deposits(x) | 3.56 | 3.23 | 1.76 | 2.04 | 2.93 | 2.07 | 1.87 | 2.07 | 2.37 | 2.14 | 1.6 |
| Cash/Deposits(x) | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.03 | 0.03 | 0.07 | 0.06 | 0.05 | 0.05 |
| Current Ratio(x) | 0.35 | 0.29 | 0.29 | 0.24 | 0.26 | 0.24 | 0.28 | 0.29 | 0.29 | 0.26 | 0.28 |
| Quick Ratio(x) | 3.56 | 3.23 | 1.76 | 2.04 | 2.93 | 2.07 | 1.87 | 2.07 | 2.37 | 2.14 | 1.6 |
| CASA % | 41.8 | 44.13 | 51.7 | 50.89 | 50.7 | 53.65 | 56.84 | 56.56 | 54.1 | 50.51 | 47.02 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 | 59.4 |
| FII | 5.81 | 6.99 | 7.16 | 6.46 | 7.07 | 7.64 | 8.01 | 7.85 | 8.14 | 8.34 |
| DII | 7.81 | 7.89 | 6.74 | 6.4 | 6.57 | 6.7 | 5.87 | 5.76 | 5.83 | 6 |
| Public | 26.98 | 25.72 | 26.7 | 27.74 | 26.96 | 26.26 | 26.72 | 26.99 | 26.63 | 26.25 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 | 65.41 |
| FII | 6.4 | 7.69 | 7.88 | 7.12 | 7.78 | 8.42 | 8.82 | 8.64 | 8.96 | 9.19 |
| DII | 8.6 | 8.69 | 7.42 | 7.05 | 7.24 | 7.37 | 6.46 | 6.34 | 6.42 | 6.61 |
| Public | 29.71 | 28.32 | 29.41 | 30.54 | 29.69 | 28.92 | 29.43 | 29.72 | 29.32 | 28.91 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 | 110.12 |
* The pros and cons are machine generated.
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