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- Indian - banking
- J&K BANK - FINO PAYMENTS BANK
J&K BANK vs FINO PAYMENTS BANK - Comparison Results
Current Valuations
| J&K BANK | FINO PAYMENTS BANK | J&K BANK/ FINO PAYMENTS BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 29.4 | 17.5% | View Chart |
| P/BV | x | 0.9 | 4.4 | 19.6% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  FINO PAYMENTS BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
FINO PAYMENTS BANK Mar-24 |
J&K BANK/ FINO PAYMENTS BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 384 | 39.7% | |
| Low | Rs | 48 | 202 | 24.0% | |
| Income per share (Unadj.) | Rs | 101.8 | 18.0 | 564.7% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 10.4 | 155.2% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 168.0 | 30.5% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 75.5 | 146.7% | |
| Shares outstanding (eoy) | m | 1,101.18 | 83.21 | 1,323.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 16.2 | 6.1% | |
| Avg P/E ratio | x | 6.2 | 28.2 | 22.1% | |
| Avg P/CF ratio | x | 4.8 | 28.0 | 17.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 3.9 | 23.4% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 24,355 | 454.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 1,774 | 1,454.0% | |
| 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 | 1,500 | 7,473.2% | |
| Other income | Rs m | 8,377 | 13,283 | 63.1% | |
| Interest expense | Rs m | 60,079 | 789 | 7,614.5% | |
| Net interest income | Rs m | 52,053 | 711 | 7,316.4% | |
| Operating expense | Rs m | 37,626 | 13,126 | 286.6% | |
| Gross profit | Rs m | 14,427 | -12,415 | -116.2% | |
| Gross profit margin | % | 12.9 | -827.4 | -1.6% | |
| Provisions/contingencies | Rs m | 5,105 | 6 | 80,138.3% | |
| Profit before tax | Rs m | 23,881 | 863 | 2,767.1% | |
| 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 | 1 | 802,818.2% | |
| Profit after tax | Rs m | 17,712 | 862 | 2,054.2% | |
| Net profit margin | % | 15.8 | 57.5 | 27.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 1 | 135,879,126.1% | |
| Deposits | Rs m | 1,347,632 | 14,125 | 9,540.5% | |
| Credit/Deposit ratio | x | 69.6 | 0 | 1,426,303.5% | |
| Yield on advances | % | 9.2 | 13.8 | 66.7% | |
| Cost of deposits | % | 4.2 | 2.0 | 214.7% | |
| Net Interest Margin | % | 4.0 | 4.1 | 99.3% | |
| Net fixed assets | Rs m | 22,083 | 1,479 | 1,493.0% | |
| Share capital | Rs m | 1,101 | 832 | 132.3% | |
| Free reserves | Rs m | 120,826 | 5,447 | 2,218.0% | |
| Net worth | Rs m | 121,927 | 6,280 | 1,941.6% | |
| Borrowings | Rs m | 28,850 | 7,127 | 404.8% | |
| Investments | Rs m | 349,002 | 17,469 | 1,997.8% | |
| Total assets | Rs m | 1,545,046 | 34,191 | 4,518.9% | |
| Debt/equity ratio | x | 11.3 | 3.4 | 333.6% | |
| Return on assets | % | 1.1 | 2.5 | 45.5% | |
| Return on equity | % | 14.5 | 13.7 | 105.8% | |
| Capital adequacy ratio | % | 15.4 | 74.5 | 20.7% | |
| Net NPAs | % | 0.8 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 568 | -1,501.4% | |
| From Investments | Rs m | -2,573 | -1,038 | 247.9% | |
| From Financial Activity | Rs m | 4,074 | 2,786 | 146.3% | |
| Net Cashflow | Rs m | -7,024 | 2,316 | -303.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 75.0 | 79.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 10.3 | 124.4% | |
| FIIs | % | 6.5 | 4.2 | 154.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 25.0 | 162.4% | |
| Shareholders | 278,050 | 64,495 | 431.1% | ||
| 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 FINO PAYMENTS 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 FINO PAYMENTS BANK Share Price Performance
| Period | J&K Bank | FINO PAYMENTS BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.18% | 1.61% |
| 1-Month | 3.84% | -14.60% | -0.07% |
| 1-Year | -14.22% | 25.88% | 18.92% |
| 3-Year CAGR | 34.47% | -6.00% | 11.26% |
| 5-Year CAGR | 23.81% | -9.57% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the FINO PAYMENTS 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 FINO PAYMENTS BANK the stake stands at 75.0%.
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 FINO PAYMENTS 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%.
FINO PAYMENTS 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 FINO PAYMENTS BANK.
For a sector overview, read our banking sector report.
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