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- Indian - banking
- J&K BANK - ESAF SMALL FINANCE BANK
J&K BANK vs ESAF SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | ESAF SMALL FINANCE BANK | J&K BANK/ ESAF SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 71.6 | 7.2% | View Chart |
| P/BV | x | 0.9 | 0.8 | 105.3% | View Chart |
| Dividend Yield | % | 2.3 | 1.8 | 127.2% |
Financials
 J&K BANK  ESAF SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
ESAF SMALL FINANCE BANK Mar-24 |
J&K BANK/ ESAF SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 82 | 185.3% | |
| Low | Rs | 48 | 53 | 91.1% | |
| Income per share (Unadj.) | Rs | 101.8 | 74.2 | 137.3% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 8.3 | 194.6% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 28.8 | 177.9% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0.70 | 307.1% | |
| Avg Dividend yield | % | 2.1 | 1.0 | 207.1% | |
| Book value per share (Unadj.) | Rs | 110.7 | 48.3 | 229.3% | |
| Shares outstanding (eoy) | m | 1,101.18 | 514.78 | 213.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.9 | 108.0% | |
| Avg P/E ratio | x | 6.2 | 8.2 | 76.2% | |
| Avg P/CF ratio | x | 4.8 | 3.0 | 161.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 64.7% | |
| Dividend payout | % | 13.4 | 8.5 | 157.9% | |
| Avg Mkt Cap | Rs m | 110,597 | 34,856 | 317.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 3,630 | 710.5% | |
| 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 | 38,184 | 293.7% | |
| Other income | Rs m | 8,377 | 4,418 | 189.6% | |
| Interest expense | Rs m | 60,079 | 14,487 | 414.7% | |
| Net interest income | Rs m | 52,053 | 23,697 | 219.7% | |
| Operating expense | Rs m | 37,626 | 16,488 | 228.2% | |
| Gross profit | Rs m | 14,427 | 7,209 | 200.1% | |
| Gross profit margin | % | 12.9 | 18.9 | 68.2% | |
| Provisions/contingencies | Rs m | 5,105 | 7,371 | 69.3% | |
| Profit before tax | Rs m | 23,881 | 5,704 | 418.7% | |
| 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 | 1,449 | 426.8% | |
| Profit after tax | Rs m | 17,712 | 4,256 | 416.2% | |
| Net profit margin | % | 15.8 | 11.1 | 141.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 182,931 | 512.5% | |
| Deposits | Rs m | 1,347,632 | 198,678 | 678.3% | |
| Credit/Deposit ratio | x | 69.6 | 92.1 | 75.6% | |
| Yield on advances | % | 9.2 | 18.9 | 48.5% | |
| Cost of deposits | % | 4.2 | 6.2 | 67.6% | |
| Net Interest Margin | % | 4.0 | 9.9 | 40.7% | |
| Net fixed assets | Rs m | 22,083 | 2,049 | 1,077.5% | |
| Share capital | Rs m | 1,101 | 5,148 | 21.4% | |
| Free reserves | Rs m | 120,826 | 19,713 | 612.9% | |
| Net worth | Rs m | 121,927 | 24,861 | 490.4% | |
| Borrowings | Rs m | 28,850 | 32,225 | 89.5% | |
| Investments | Rs m | 349,002 | 55,410 | 629.9% | |
| Total assets | Rs m | 1,545,046 | 260,869 | 592.3% | |
| Debt/equity ratio | x | 11.3 | 9.3 | 121.6% | |
| Return on assets | % | 1.1 | 1.6 | 70.3% | |
| Return on equity | % | 14.5 | 17.1 | 84.9% | |
| Capital adequacy ratio | % | 15.4 | 23.3 | 66.3% | |
| Net NPAs | % | 0.8 | 2.3 | 35.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 10,009 | -85.2% | |
| From Investments | Rs m | -2,573 | -5,825 | 44.2% | |
| From Financial Activity | Rs m | 4,074 | 2,351 | 173.3% | |
| Net Cashflow | Rs m | -7,024 | 6,535 | -107.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 63.4 | 93.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 5.7 | 225.2% | |
| FIIs | % | 6.5 | 0.2 | 4,313.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 36.6 | 110.9% | |
| Shareholders | 278,050 | 115,818 | 240.1% | ||
| 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 ESAF SMALL FINANCE 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 ESAF SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | ESAF SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.51% | 1.61% |
| 1-Month | 3.84% | -11.51% | -0.07% |
| 1-Year | -14.22% | -42.45% | 18.92% |
| 3-Year CAGR | 34.47% | -17.19% | 11.26% |
| 5-Year CAGR | 23.81% | -10.70% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the ESAF SMALL FINANCE 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 ESAF SMALL FINANCE BANK the stake stands at 63.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of ESAF SMALL FINANCE 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%.
ESAF SMALL FINANCE BANK paid Rs 0.7, and its dividend payout ratio stood at 8.5%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of ESAF SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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