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- Indian - banking
- J&K BANK - ANDHRA BANK
J&K BANK vs ANDHRA BANK - Comparison Results
Current Valuations
| J&K BANK | ANDHRA BANK | J&K BANK/ ANDHRA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | -3.0 | - | View Chart |
| P/BV | x | 0.9 | 0.2 | 403.0% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  ANDHRA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
ANDHRA BANK Mar-19 |
J&K BANK/ ANDHRA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 47 | 324.4% | |
| Low | Rs | 48 | 23 | 213.3% | |
| Income per share (Unadj.) | Rs | 101.8 | 66.6 | 153.0% | |
| Earnings per share (Unadj.) | Rs | 16.1 | -9.5 | -169.2% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | -18.0 | -284.8% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 46.2 | 239.6% | |
| Shares outstanding (eoy) | m | 1,101.18 | 2,884.49 | 38.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.5 | 188.4% | |
| Avg P/E ratio | x | 6.2 | -3.7 | -170.3% | |
| Avg P/CF ratio | x | 4.8 | 2.0 | 245.2% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.8 | 120.3% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 100,524 | 110.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 23,015 | 112.1% | |
| 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 | 112,132 | 192,029 | 58.4% | |
| Other income | Rs m | 8,377 | 30,881 | 27.1% | |
| Interest expense | Rs m | 60,079 | 122,243 | 49.1% | |
| Net interest income | Rs m | 52,053 | 69,786 | 74.6% | |
| Operating expense | Rs m | 37,626 | 50,058 | 75.2% | |
| Gross profit | Rs m | 14,427 | 19,728 | 73.1% | |
| Gross profit margin | % | 12.9 | 10.3 | 125.2% | |
| Provisions/contingencies | Rs m | 5,105 | 78,280 | 6.5% | |
| Profit before tax | Rs m | 23,881 | -23,913 | -99.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 251 | 5.2% | |
| Tax | Rs m | 6,182 | 3,758 | 164.5% | |
| Profit after tax | Rs m | 17,712 | -27,420 | -64.6% | |
| Net profit margin | % | 15.8 | -14.3 | -110.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 1,588,479 | 59.0% | |
| Deposits | Rs m | 1,347,632 | 2,198,529 | 61.3% | |
| Credit/Deposit ratio | x | 69.6 | 72.3 | 96.3% | |
| Yield on advances | % | 9.2 | 8.9 | 102.9% | |
| Cost of deposits | % | 4.2 | 5.2 | 80.8% | |
| Net Interest Margin | % | 4.0 | 3.1 | 130.9% | |
| Net fixed assets | Rs m | 22,083 | 15,649 | 141.1% | |
| Share capital | Rs m | 1,101 | 28,845 | 3.8% | |
| Free reserves | Rs m | 120,826 | 104,472 | 115.7% | |
| Net worth | Rs m | 121,927 | 133,317 | 91.5% | |
| Borrowings | Rs m | 28,850 | 103,146 | 28.0% | |
| Investments | Rs m | 349,002 | 669,148 | 52.2% | |
| Total assets | Rs m | 1,545,046 | 2,540,440 | 60.8% | |
| Debt/equity ratio | x | 11.3 | 17.3 | 65.4% | |
| Return on assets | % | 1.1 | -1.1 | -106.2% | |
| Return on equity | % | 14.5 | -20.6 | -70.6% | |
| Capital adequacy ratio | % | 15.4 | 13.7 | 112.7% | |
| Net NPAs | % | 0.8 | 5.7 | 13.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 29,181 | -29.2% | |
| From Investments | Rs m | -2,573 | -837 | 307.2% | |
| From Financial Activity | Rs m | 4,074 | -37,515 | -10.9% | |
| Net Cashflow | Rs m | -7,024 | -9,099 | 77.2% | |
Share Holding
| Indian Promoters | % | 59.4 | 88.3 | 67.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 3.8 | 335.8% | |
| FIIs | % | 6.5 | 0.6 | 1,043.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 11.8 | 345.5% | |
| Shareholders | 278,050 | 238,812 | 116.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Andhra Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
J&K Bank vs Andhra Bank Share Price Performance
| Period | J&K Bank | Andhra Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -2.66% | 1.61% |
| 1-Month | 3.84% | -38.86% | -0.07% |
| 1-Year | -14.22% | -65.18% | 18.92% |
| 3-Year CAGR | 34.47% | -45.56% | 11.26% |
| 5-Year CAGR | 23.81% | -35.02% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Andhra Bank share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Andhra Bank the stake stands at 88.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of Andhra Bank.
Finally, a word on dividends...
In the most recent financial year, J&K Bank paid a dividend of Rs 2.2 per share. This amounted to a Dividend Payout ratio of 13.4%.
Andhra Bank paid Rs 0.0, and its dividend payout ratio stood at -0.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Andhra Bank.
For a sector overview, read our banking sector report.
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