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- Indian - banking
- J&K BANK - INDIAN OVERSEAS BANK
J&K BANK vs INDIAN OVERSEAS BANK - Comparison Results
Current Valuations
| J&K BANK | INDIAN OVERSEAS BANK | J&K BANK/ INDIAN OVERSEAS BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 32.1 | 16.0% | View Chart |
| P/BV | x | 0.9 | 3.5 | 24.8% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  INDIAN OVERSEAS BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
INDIAN OVERSEAS BANK Mar-24 |
J&K BANK/ INDIAN OVERSEAS BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 84 | 181.9% | |
| Low | Rs | 48 | 22 | 217.1% | |
| Income per share (Unadj.) | Rs | 101.8 | 12.7 | 799.8% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 1.4 | 1,140.6% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 4.6 | 1,103.1% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 14.6 | 759.4% | |
| Shares outstanding (eoy) | m | 1,101.18 | 18,902.41 | 5.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 4.2 | 23.7% | |
| Avg P/E ratio | x | 6.2 | 37.6 | 16.6% | |
| Avg P/CF ratio | x | 4.8 | 14.8 | 32.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 3.6 | 24.9% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 1,002,773 | 11.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 61,433 | 42.0% | |
| 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 | 240,657 | 46.6% | |
| Other income | Rs m | 8,377 | 56,653 | 14.8% | |
| Interest expense | Rs m | 60,079 | 142,265 | 42.2% | |
| Net interest income | Rs m | 52,053 | 98,392 | 52.9% | |
| Operating expense | Rs m | 37,626 | 87,305 | 43.1% | |
| Gross profit | Rs m | 14,427 | 11,086 | 130.1% | |
| Gross profit margin | % | 12.9 | 4.6 | 279.3% | |
| Provisions/contingencies | Rs m | 5,105 | 41,083 | 12.4% | |
| Profit before tax | Rs m | 23,881 | 41,568 | 57.4% | |
| 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 | 14,912 | 41.5% | |
| Profit after tax | Rs m | 17,712 | 26,657 | 66.4% | |
| Net profit margin | % | 15.8 | 11.1 | 142.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 2,133,301 | 43.9% | |
| Deposits | Rs m | 1,347,632 | 2,861,215 | 47.1% | |
| Credit/Deposit ratio | x | 69.6 | 74.6 | 93.3% | |
| Yield on advances | % | 9.2 | 8.2 | 111.4% | |
| Cost of deposits | % | 4.2 | 4.4 | 95.7% | |
| Net Interest Margin | % | 4.0 | 3.1 | 128.5% | |
| Net fixed assets | Rs m | 22,083 | 37,257 | 59.3% | |
| Share capital | Rs m | 1,101 | 189,024 | 0.6% | |
| Free reserves | Rs m | 120,826 | 86,590 | 139.5% | |
| Net worth | Rs m | 121,927 | 275,614 | 44.2% | |
| Borrowings | Rs m | 28,850 | 303,872 | 9.5% | |
| Investments | Rs m | 349,002 | 991,939 | 35.2% | |
| Total assets | Rs m | 1,545,046 | 3,518,693 | 43.9% | |
| Debt/equity ratio | x | 11.3 | 11.5 | 98.3% | |
| Return on assets | % | 1.1 | 0.8 | 151.3% | |
| Return on equity | % | 14.5 | 9.7 | 150.2% | |
| Capital adequacy ratio | % | 15.4 | 17.3 | 89.2% | |
| Net NPAs | % | 0.8 | 0.6 | 138.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -11,189 | 76.2% | |
| From Investments | Rs m | -2,573 | -3,593 | 71.6% | |
| From Financial Activity | Rs m | 4,074 | -5,277 | -77.2% | |
| Net Cashflow | Rs m | -7,024 | -20,059 | 35.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 96.4 | 61.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 1.3 | 966.9% | |
| FIIs | % | 6.5 | 0.0 | 16,175.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 3.6 | 1,121.5% | |
| Shareholders | 278,050 | 977,592 | 28.4% | ||
| 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 Overseas 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 Overseas Bank Share Price Performance
| Period | J&K Bank | Indian Overseas Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 1.08% | 1.61% |
| 1-Month | 3.84% | 0.30% | -0.07% |
| 1-Year | -14.22% | 28.11% | 18.92% |
| 3-Year CAGR | 34.47% | 36.47% | 11.26% |
| 5-Year CAGR | 23.81% | 36.17% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Indian Overseas 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 Overseas Bank the stake stands at 96.4%.
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 Indian Overseas 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 Overseas 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 Indian Overseas Bank.
For a sector overview, read our banking sector report.
Today's Market
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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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