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- Indian - banking
- J&K BANK - KARUR VYSYA BANK
J&K BANK vs KARUR VYSYA BANK - Comparison Results
Current Valuations
| J&K BANK | KARUR VYSYA BANK | J&K BANK/ KARUR VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 9.5 | 54.0% | View Chart |
| P/BV | x | 0.9 | 1.7 | 50.2% | View Chart |
| Dividend Yield | % | 2.3 | 1.1 | 201.1% |
Financials
 J&K BANK  KARUR VYSYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
KARUR VYSYA BANK Mar-24 |
J&K BANK/ KARUR VYSYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 205 | 74.4% | |
| Low | Rs | 48 | 93 | 52.1% | |
| Income per share (Unadj.) | Rs | 101.8 | 102.0 | 99.8% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 20.0 | 80.6% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 43.7 | 117.3% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 2.40 | 89.6% | |
| Avg Dividend yield | % | 2.1 | 1.6 | 132.8% | |
| Book value per share (Unadj.) | Rs | 110.7 | 124.8 | 88.7% | |
| Shares outstanding (eoy) | m | 1,101.18 | 804.38 | 136.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.5 | 67.5% | |
| Avg P/E ratio | x | 6.2 | 7.5 | 83.7% | |
| Avg P/CF ratio | x | 4.8 | 4.2 | 114.5% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.2 | 76.0% | |
| Dividend payout | % | 13.4 | 12.0 | 111.1% | |
| Avg Mkt Cap | Rs m | 110,597 | 119,792 | 92.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 14,610 | 176.5% | |
| 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 | 82,039 | 136.7% | |
| Other income | Rs m | 8,377 | 16,587 | 50.5% | |
| Interest expense | Rs m | 60,079 | 43,947 | 136.7% | |
| Net interest income | Rs m | 52,053 | 38,092 | 136.6% | |
| Operating expense | Rs m | 37,626 | 26,388 | 142.6% | |
| Gross profit | Rs m | 14,427 | 11,705 | 123.3% | |
| Gross profit margin | % | 12.9 | 14.3 | 90.2% | |
| Provisions/contingencies | Rs m | 5,105 | 12,243 | 41.7% | |
| Profit before tax | Rs m | 23,881 | 21,002 | 113.7% | |
| 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 | 4,954 | 124.8% | |
| Profit after tax | Rs m | 17,712 | 16,048 | 110.4% | |
| Net profit margin | % | 15.8 | 19.6 | 80.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 736,675 | 127.3% | |
| Deposits | Rs m | 1,347,632 | 891,127 | 151.2% | |
| Credit/Deposit ratio | x | 69.6 | 82.7 | 84.2% | |
| Yield on advances | % | 9.2 | 9.3 | 98.9% | |
| Cost of deposits | % | 4.2 | 4.7 | 89.0% | |
| Net Interest Margin | % | 4.0 | 4.0 | 102.0% | |
| Net fixed assets | Rs m | 22,083 | 4,124 | 535.4% | |
| Share capital | Rs m | 1,101 | 1,609 | 68.5% | |
| Free reserves | Rs m | 120,826 | 98,750 | 122.4% | |
| Net worth | Rs m | 121,927 | 100,359 | 121.5% | |
| Borrowings | Rs m | 28,850 | 24,784 | 116.4% | |
| Investments | Rs m | 349,002 | 223,435 | 156.2% | |
| Total assets | Rs m | 1,545,046 | 1,055,852 | 146.3% | |
| Debt/equity ratio | x | 11.3 | 9.1 | 123.7% | |
| Return on assets | % | 1.1 | 1.5 | 75.4% | |
| Return on equity | % | 14.5 | 16.0 | 90.8% | |
| Capital adequacy ratio | % | 15.4 | 16.7 | 92.5% | |
| Net NPAs | % | 0.8 | 0.4 | 197.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 29,541 | -28.9% | |
| From Investments | Rs m | -2,573 | -12,965 | 19.8% | |
| From Financial Activity | Rs m | 4,074 | -6,941 | -58.7% | |
| Net Cashflow | Rs m | -7,024 | 9,634 | -72.9% | |
Share Holding
| Indian Promoters | % | 59.4 | 2.1 | 2,788.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 52.1 | 24.7% | |
| FIIs | % | 6.5 | 15.1 | 42.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 97.9 | 41.5% | |
| Shareholders | 278,050 | 257,300 | 108.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 4.7 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Karur Vysya 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 Karur Vysya Bank Share Price Performance
| Period | J&K Bank | Karur Vysya Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -0.96% | 1.61% |
| 1-Month | 3.84% | -2.10% | -0.07% |
| 1-Year | -14.22% | 39.91% | 18.92% |
| 3-Year CAGR | 34.47% | 61.36% | 11.26% |
| 5-Year CAGR | 23.81% | 29.36% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.1%.
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 Karur Vysya 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%.
Karur Vysya Bank paid Rs 2.4, and its dividend payout ratio stood at 12.0%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Karur Vysya Bank.
For a sector overview, read our banking sector report.
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