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- J&K BANK - BANDHAN BANK
J&K BANK vs BANDHAN BANK - Comparison Results
Current Valuations
| J&K BANK | BANDHAN BANK | J&K BANK/ BANDHAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 9.8 | 52.3% | View Chart |
| P/BV | x | 0.9 | 1.3 | 67.3% | View Chart |
| Dividend Yield | % | 2.3 | 0.9 | 257.3% |
Financials
 J&K BANK  BANDHAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
BANDHAN BANK Mar-24 |
J&K BANK/ BANDHAN BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 272 | 56.0% | |
| Low | Rs | 48 | 173 | 27.9% | |
| Income per share (Unadj.) | Rs | 101.8 | 117.1 | 86.9% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 13.8 | 116.2% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 27.2 | 188.3% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 1.50 | 143.3% | |
| Avg Dividend yield | % | 2.1 | 0.7 | 317.9% | |
| Book value per share (Unadj.) | Rs | 110.7 | 133.9 | 82.7% | |
| Shares outstanding (eoy) | m | 1,101.18 | 1,610.97 | 68.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.9 | 51.9% | |
| Avg P/E ratio | x | 6.2 | 16.1 | 38.8% | |
| Avg P/CF ratio | x | 4.8 | 5.4 | 89.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.7 | 54.5% | |
| Dividend payout | % | 13.4 | 10.8 | 123.3% | |
| Avg Mkt Cap | Rs m | 110,597 | 358,803 | 30.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 35,429 | 72.8% | |
| 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 | 112,132 | 188,696 | 59.4% | |
| Other income | Rs m | 8,377 | 21,647 | 38.7% | |
| Interest expense | Rs m | 60,079 | 85,440 | 70.3% | |
| Net interest income | Rs m | 52,053 | 103,256 | 50.4% | |
| Operating expense | Rs m | 37,626 | 58,508 | 64.3% | |
| Gross profit | Rs m | 14,427 | 44,748 | 32.2% | |
| Gross profit margin | % | 12.9 | 23.7 | 54.3% | |
| Provisions/contingencies | Rs m | 5,105 | 44,099 | 11.6% | |
| Profit before tax | Rs m | 23,881 | 29,429 | 81.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 0 | - | |
| Tax | Rs m | 6,182 | 7,134 | 86.7% | |
| Profit after tax | Rs m | 17,712 | 22,296 | 79.4% | |
| Net profit margin | % | 15.8 | 11.8 | 133.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 1,211,368 | 77.4% | |
| Deposits | Rs m | 1,347,632 | 1,352,020 | 99.7% | |
| Credit/Deposit ratio | x | 69.6 | 89.6 | 77.6% | |
| Yield on advances | % | 9.2 | 13.6 | 67.4% | |
| Cost of deposits | % | 4.2 | 5.4 | 78.7% | |
| Net Interest Margin | % | 4.0 | 6.9 | 58.9% | |
| Net fixed assets | Rs m | 22,083 | 9,591 | 230.2% | |
| Share capital | Rs m | 1,101 | 16,110 | 6.8% | |
| Free reserves | Rs m | 120,826 | 199,545 | 60.6% | |
| Net worth | Rs m | 121,927 | 215,654 | 56.5% | |
| Borrowings | Rs m | 28,850 | 163,715 | 17.6% | |
| Investments | Rs m | 349,002 | 292,876 | 119.2% | |
| Total assets | Rs m | 1,545,046 | 1,778,417 | 86.9% | |
| Debt/equity ratio | x | 11.3 | 7.0 | 160.6% | |
| Return on assets | % | 1.1 | 1.3 | 91.4% | |
| Return on equity | % | 14.5 | 10.3 | 140.5% | |
| Capital adequacy ratio | % | 15.4 | 18.3 | 84.4% | |
| Net NPAs | % | 0.8 | 1.1 | 71.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 148,084 | -5.8% | |
| From Investments | Rs m | -2,573 | 16,910 | -15.2% | |
| From Financial Activity | Rs m | 4,074 | -85,785 | -4.7% | |
| Net Cashflow | Rs m | -7,024 | 79,209 | -8.9% | |
Share Holding
| Indian Promoters | % | 59.4 | 40.0 | 148.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 43.1 | 29.8% | |
| FIIs | % | 6.5 | 26.7 | 24.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 60.0 | 67.6% | |
| Shareholders | 278,050 | 749,315 | 37.1% | ||
| 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 BANDHAN 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 BANDHAN BANK Share Price Performance
| Period | J&K Bank | BANDHAN BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 2.41% | 1.61% |
| 1-Month | 3.84% | -2.24% | -0.07% |
| 1-Year | -14.22% | -19.89% | 18.92% |
| 3-Year CAGR | 34.47% | -16.97% | 11.26% |
| 5-Year CAGR | 23.81% | -20.22% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the BANDHAN 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 BANDHAN BANK the stake stands at 40.0%.
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 BANDHAN 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%.
BANDHAN BANK paid Rs 1.5, and its dividend payout ratio stood at 10.8%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of BANDHAN BANK.
For a sector overview, read our banking sector report.
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