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- Indian - banking
- DHANLAXMI BANK - J&K BANK
DHANLAXMI BANK vs J&K BANK - Comparison Results
Current Valuations
| DHANLAXMI BANK | J&K BANK | DHANLAXMI BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 32.3 | 5.1 | 631.4% | View Chart |
| P/BV | x | 0.8 | 0.9 | 89.0% | View Chart |
| Dividend Yield | % | 0.0 | 2.3 | - |
Financials
 DHANLAXMI BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| DHANLAXMI BANK Mar-24 |
J&K BANK Mar-24 |
DHANLAXMI BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 59 | 152 | 38.5% | |
| Low | Rs | 15 | 48 | 30.0% | |
| Income per share (Unadj.) | Rs | 47.7 | 101.8 | 46.8% | |
| Earnings per share (Unadj.) | Rs | 2.3 | 16.1 | 14.2% | |
| Cash flow per share (Unadj.) | Rs | 23.2 | 51.2 | 45.4% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.15 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 40.7 | 110.7 | 36.8% | |
| Shares outstanding (eoy) | m | 253.01 | 1,101.18 | 23.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.8 | 1.0 | 77.8% | |
| Avg P/E ratio | x | 16.0 | 6.2 | 256.7% | |
| Avg P/CF ratio | x | 13.4 | 4.8 | 276.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 99.2% | |
| Dividend payout | % | 0 | 13.4 | 0.0% | |
| Avg Mkt Cap | Rs m | 9,267 | 110,597 | 8.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 3,312 | 25,790 | 12.8% | |
| 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 | 12,070 | 112,132 | 10.8% | |
| Other income | Rs m | 1,526 | 8,377 | 18.2% | |
| Interest expense | Rs m | 7,485 | 60,079 | 12.5% | |
| Net interest income | Rs m | 4,585 | 52,053 | 8.8% | |
| Operating expense | Rs m | 5,418 | 37,626 | 14.4% | |
| Gross profit | Rs m | -833 | 14,427 | -5.8% | |
| Gross profit margin | % | -6.9 | 12.9 | -53.6% | |
| Provisions/contingencies | Rs m | 114 | 5,105 | 2.2% | |
| Profit before tax | Rs m | 578 | 23,881 | 2.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 0 | 6,182 | 0.0% | |
| Profit after tax | Rs m | 578 | 17,712 | 3.3% | |
| Net profit margin | % | 4.8 | 15.8 | 30.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 101,022 | 937,566 | 10.8% | |
| Deposits | Rs m | 142,903 | 1,347,632 | 10.6% | |
| Credit/Deposit ratio | x | 70.7 | 69.6 | 101.6% | |
| Yield on advances | % | 9.5 | 9.2 | 103.8% | |
| Cost of deposits | % | 5.1 | 4.2 | 120.4% | |
| Net Interest Margin | % | 3.3 | 4.0 | 80.7% | |
| Net fixed assets | Rs m | 2,665 | 22,083 | 12.1% | |
| Share capital | Rs m | 2,530 | 1,101 | 229.7% | |
| Free reserves | Rs m | 7,768 | 120,826 | 6.4% | |
| Net worth | Rs m | 10,298 | 121,927 | 8.4% | |
| Borrowings | Rs m | 2,990 | 28,850 | 10.4% | |
| Investments | Rs m | 39,424 | 349,002 | 11.3% | |
| Total assets | Rs m | 159,619 | 1,545,046 | 10.3% | |
| Debt/equity ratio | x | 14.2 | 11.3 | 125.5% | |
| Return on assets | % | 0.4 | 1.1 | 31.6% | |
| Return on equity | % | 5.6 | 14.5 | 38.7% | |
| Capital adequacy ratio | % | 12.7 | 15.4 | 82.4% | |
| Net NPAs | % | 1.3 | 0.8 | 158.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 173 | -8,526 | -2.0% | |
| From Investments | Rs m | 1,107 | -2,573 | -43.0% | |
| From Financial Activity | Rs m | NA | 4,074 | 0.0% | |
| Net Cashflow | Rs m | 1,280 | -7,024 | -18.2% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 5.0 | 12.9 | 39.2% | |
| FIIs | % | 5.0 | 6.5 | 76.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 185,822 | 278,050 | 66.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare DHANLAXMI BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Dhanlaxmi 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:
Dhanlaxmi Bank vs J&K Bank Share Price Performance
| Period | Dhanlaxmi Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.25% | -1.61% | -0.42% |
| 1-Month | -16.17% | -0.26% | -2.93% |
| 1-Year | 6.30% | -16.30% | 16.50% |
| 3-Year CAGR | 29.12% | 34.35% | 10.67% |
| 5-Year CAGR | 15.62% | 23.37% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Dhanlaxmi Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Dhanlaxmi 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 Dhanlaxmi Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Dhanlaxmi Bank paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of Dhanlaxmi Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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