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- Indian - banking
- J&K BANK - INDIAN BANK
J&K BANK vs INDIAN BANK - Comparison Results
Current Valuations
| J&K BANK | INDIAN BANK | J&K BANK/ INDIAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 7.5 | 68.5% | View Chart |
| P/BV | x | 0.9 | 1.2 | 71.9% | View Chart |
| Dividend Yield | % | 2.3 | 2.3 | 100.6% |
Financials
 J&K BANK  INDIAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
INDIAN BANK Mar-24 |
J&K BANK/ INDIAN BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 573 | 26.6% | |
| Low | Rs | 48 | 267 | 18.1% | |
| Income per share (Unadj.) | Rs | 101.8 | 413.2 | 24.6% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 62.5 | 25.7% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 129.6 | 39.5% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 12.00 | 17.9% | |
| Avg Dividend yield | % | 2.1 | 2.9 | 75.0% | |
| Book value per share (Unadj.) | Rs | 110.7 | 447.3 | 24.8% | |
| Shares outstanding (eoy) | m | 1,101.18 | 1,346.96 | 81.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.0 | 96.9% | |
| Avg P/E ratio | x | 6.2 | 6.7 | 92.9% | |
| Avg P/CF ratio | x | 4.8 | 3.3 | 147.5% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 96.5% | |
| Dividend payout | % | 13.4 | 19.2 | 69.6% | |
| Avg Mkt Cap | Rs m | 110,597 | 566,196 | 19.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 93,199 | 27.7% | |
| 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 | 556,497 | 20.1% | |
| Other income | Rs m | 8,377 | 85,820 | 9.8% | |
| Interest expense | Rs m | 60,079 | 323,408 | 18.6% | |
| Net interest income | Rs m | 52,053 | 233,090 | 22.3% | |
| Operating expense | Rs m | 37,626 | 149,528 | 25.2% | |
| Gross profit | Rs m | 14,427 | 83,562 | 17.3% | |
| Gross profit margin | % | 12.9 | 15.0 | 85.7% | |
| Provisions/contingencies | Rs m | 5,105 | 88,090 | 5.8% | |
| Profit before tax | Rs m | 23,881 | 110,174 | 21.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -31 | -0.0% | |
| Prior Period Items | Rs m | 13 | 2,934 | 0.4% | |
| Tax | Rs m | 6,182 | 28,882 | 21.4% | |
| Profit after tax | Rs m | 17,712 | 84,194 | 21.0% | |
| Net profit margin | % | 15.8 | 15.1 | 104.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 5,148,891 | 18.2% | |
| Deposits | Rs m | 1,347,632 | 6,879,531 | 19.6% | |
| Credit/Deposit ratio | x | 69.6 | 74.8 | 93.0% | |
| Yield on advances | % | 9.2 | 7.9 | 116.4% | |
| Cost of deposits | % | 4.2 | 4.4 | 95.2% | |
| Net Interest Margin | % | 4.0 | 3.2 | 126.7% | |
| Net fixed assets | Rs m | 22,083 | 75,226 | 29.4% | |
| Share capital | Rs m | 1,101 | 13,470 | 8.2% | |
| Free reserves | Rs m | 120,826 | 589,012 | 20.5% | |
| Net worth | Rs m | 121,927 | 602,482 | 20.2% | |
| Borrowings | Rs m | 28,850 | 231,429 | 12.5% | |
| Investments | Rs m | 349,002 | 2,152,418 | 16.2% | |
| Total assets | Rs m | 1,545,046 | 7,957,088 | 19.4% | |
| Debt/equity ratio | x | 11.3 | 11.8 | 95.7% | |
| Return on assets | % | 1.1 | 1.1 | 108.3% | |
| Return on equity | % | 14.5 | 14.0 | 104.0% | |
| Capital adequacy ratio | % | 15.4 | 16.4 | 93.8% | |
| Net NPAs | % | 0.8 | 0.4 | 183.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -86,173 | 9.9% | |
| From Investments | Rs m | -2,573 | -6,177 | 41.6% | |
| From Financial Activity | Rs m | 4,074 | 11,951 | 34.1% | |
| Net Cashflow | Rs m | -7,024 | -80,399 | 8.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 73.8 | 80.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 22.3 | 57.6% | |
| FIIs | % | 6.5 | 5.0 | 129.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 26.2 | 155.2% | |
| Shareholders | 278,050 | 325,449 | 85.4% | ||
| 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 Indian 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 Indian Bank Share Price Performance
| Period | J&K Bank | Indian Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.24% | 1.61% |
| 1-Month | 3.84% | 5.61% | -0.07% |
| 1-Year | -14.22% | 29.41% | 18.92% |
| 3-Year CAGR | 34.47% | 54.60% | 11.26% |
| 5-Year CAGR | 23.81% | 34.87% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Indian 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 Indian Bank the stake stands at 73.8%.
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 Indian 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%.
Indian Bank paid Rs 12.0, and its dividend payout ratio stood at 19.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Indian Bank.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Rallies 1,961 points | Nifty Above 23,900 | 4 Reasons Why Indian Share Market is Rising]()
Sensex Today Rallies 1,961 points | Nifty Above 23,900 | 4 Reasons Why Indian Share Market is Rising(Closing)
After opening the day higher, Indian benchmark indices remained positive as the session progressed and ended the day on firm footing.
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