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- Indian - banking
- J&K BANK - BANK OF BARODA
J&K BANK vs BANK OF BARODA - Comparison Results
Current Valuations
| J&K BANK | BANK OF BARODA | J&K BANK/ BANK OF BARODA |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 6.2 | 83.3% | View Chart |
| P/BV | x | 0.9 | 1.0 | 83.9% | View Chart |
| Dividend Yield | % | 2.3 | 3.2 | 70.5% |
Financials
 J&K BANK  BANK OF BARODA |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
BANK OF BARODA Mar-24 |
J&K BANK/ BANK OF BARODA |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 286 | 53.4% | |
| Low | Rs | 48 | 165 | 29.3% | |
| Income per share (Unadj.) | Rs | 101.8 | 228.9 | 44.5% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 36.3 | 44.3% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 80.0 | 64.1% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 7.60 | 28.3% | |
| Avg Dividend yield | % | 2.1 | 3.4 | 63.5% | |
| Book value per share (Unadj.) | Rs | 110.7 | 231.5 | 47.8% | |
| Shares outstanding (eoy) | m | 1,101.18 | 5,171.36 | 21.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.0 | 100.2% | |
| Avg P/E ratio | x | 6.2 | 6.2 | 100.6% | |
| Avg P/CF ratio | x | 4.8 | 3.1 | 157.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.0 | 93.2% | |
| Dividend payout | % | 13.4 | 20.9 | 63.8% | |
| Avg Mkt Cap | Rs m | 110,597 | 1,165,108 | 9.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 169,667 | 15.2% | |
| 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 | 1,183,792 | 9.5% | |
| Other income | Rs m | 8,377 | 233,995 | 3.6% | |
| Interest expense | Rs m | 60,079 | 698,991 | 8.6% | |
| Net interest income | Rs m | 52,053 | 484,801 | 10.7% | |
| Operating expense | Rs m | 37,626 | 343,368 | 11.0% | |
| Gross profit | Rs m | 14,427 | 141,433 | 10.2% | |
| Gross profit margin | % | 12.9 | 11.9 | 107.7% | |
| Provisions/contingencies | Rs m | 5,105 | 191,332 | 2.7% | |
| Profit before tax | Rs m | 23,881 | 257,994 | 9.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -1,015 | -0.0% | |
| Prior Period Items | Rs m | 13 | 4,592 | 0.3% | |
| Tax | Rs m | 6,182 | 73,897 | 8.4% | |
| Profit after tax | Rs m | 17,712 | 187,674 | 9.4% | |
| Net profit margin | % | 15.8 | 15.9 | 99.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 10,889,834 | 8.6% | |
| Deposits | Rs m | 1,347,632 | 13,518,018 | 10.0% | |
| Credit/Deposit ratio | x | 69.6 | 80.6 | 86.4% | |
| Yield on advances | % | 9.2 | 8.0 | 114.1% | |
| Cost of deposits | % | 4.2 | 4.5 | 93.1% | |
| Net Interest Margin | % | 4.0 | 3.2 | 124.9% | |
| Net fixed assets | Rs m | 22,083 | 80,358 | 27.5% | |
| Share capital | Rs m | 1,101 | 10,355 | 10.6% | |
| Free reserves | Rs m | 120,826 | 1,186,767 | 10.2% | |
| Net worth | Rs m | 121,927 | 1,197,122 | 10.2% | |
| Borrowings | Rs m | 28,850 | 1,019,591 | 2.8% | |
| Investments | Rs m | 349,002 | 4,071,363 | 8.6% | |
| Total assets | Rs m | 1,545,046 | 16,547,794 | 9.3% | |
| Debt/equity ratio | x | 11.3 | 12.1 | 93.0% | |
| Return on assets | % | 1.1 | 1.1 | 101.1% | |
| Return on equity | % | 14.5 | 15.7 | 92.7% | |
| Capital adequacy ratio | % | 15.4 | 16.3 | 94.5% | |
| Net NPAs | % | 0.8 | 0.7 | 116.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -62,740 | 13.6% | |
| From Investments | Rs m | -2,573 | -12,853 | 20.0% | |
| From Financial Activity | Rs m | 4,074 | 54,757 | 7.4% | |
| Net Cashflow | Rs m | -7,024 | -20,835 | 33.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 64.0 | 92.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 26.5 | 48.6% | |
| FIIs | % | 6.5 | 9.9 | 65.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 36.0 | 112.7% | |
| Shareholders | 278,050 | 1,711,548 | 16.2% | ||
| 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 Bank of Baroda
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 Bank of Baroda Share Price Performance
| Period | J&K Bank | Bank of Baroda | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 3.28% | 1.61% |
| 1-Month | 3.84% | 1.07% | -0.07% |
| 1-Year | -14.22% | 21.33% | 18.92% |
| 3-Year CAGR | 34.47% | 37.49% | 11.26% |
| 5-Year CAGR | 23.81% | 18.97% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Bank of Baroda share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.
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 Bank of Baroda.
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%.
Bank of Baroda paid Rs 7.6, and its dividend payout ratio stood at 20.9%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Bank of Baroda.
For a sector overview, read our banking sector report.
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