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- Indian - banking
- J&K BANK - PNB
J&K BANK vs PNB - Comparison Results
Current Valuations
| J&K BANK | PNB | J&K BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 8.5 | 60.4% | View Chart |
| P/BV | x | 0.9 | 1.0 | 82.3% | View Chart |
| Dividend Yield | % | 2.3 | 1.5 | 151.1% |
Financials
 J&K BANK  PNB |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
PNB Mar-24 |
J&K BANK/ PNB |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 133 | 114.6% | |
| Low | Rs | 48 | 46 | 104.2% | |
| Income per share (Unadj.) | Rs | 101.8 | 99.1 | 102.8% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 8.3 | 194.5% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 23.8 | 215.3% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 1.50 | 143.3% | |
| Avg Dividend yield | % | 2.1 | 1.7 | 128.0% | |
| Book value per share (Unadj.) | Rs | 110.7 | 100.3 | 110.4% | |
| Shares outstanding (eoy) | m | 1,101.18 | 11,011.02 | 10.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.9 | 108.9% | |
| Avg P/E ratio | x | 6.2 | 10.8 | 57.6% | |
| Avg P/CF ratio | x | 4.8 | 3.8 | 126.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 101.3% | |
| Dividend payout | % | 13.4 | 18.1 | 73.7% | |
| Avg Mkt Cap | Rs m | 110,597 | 987,963 | 11.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 186,432 | 13.8% | |
| 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 | 1,090,646 | 10.3% | |
| Other income | Rs m | 8,377 | 133,294 | 6.3% | |
| Interest expense | Rs m | 60,079 | 685,342 | 8.8% | |
| Net interest income | Rs m | 52,053 | 405,304 | 12.8% | |
| Operating expense | Rs m | 37,626 | 288,090 | 13.1% | |
| Gross profit | Rs m | 14,427 | 117,214 | 12.3% | |
| Gross profit margin | % | 12.9 | 10.7 | 119.7% | |
| Provisions/contingencies | Rs m | 5,105 | 167,220 | 3.1% | |
| Profit before tax | Rs m | 23,881 | 133,317 | 17.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -500 | -0.0% | |
| Prior Period Items | Rs m | 13 | 8,282 | 0.2% | |
| Tax | Rs m | 6,182 | 50,028 | 12.4% | |
| Profit after tax | Rs m | 17,712 | 91,072 | 19.4% | |
| Net profit margin | % | 15.8 | 8.4 | 189.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 9,417,625 | 10.0% | |
| Deposits | Rs m | 1,347,632 | 13,792,252 | 9.8% | |
| Credit/Deposit ratio | x | 69.6 | 68.3 | 101.9% | |
| Yield on advances | % | 9.2 | 8.1 | 113.0% | |
| Cost of deposits | % | 4.2 | 4.5 | 92.9% | |
| Net Interest Margin | % | 4.0 | 2.9 | 138.6% | |
| Net fixed assets | Rs m | 22,083 | 123,478 | 17.9% | |
| Share capital | Rs m | 1,101 | 22,022 | 5.0% | |
| Free reserves | Rs m | 120,826 | 1,081,845 | 11.2% | |
| Net worth | Rs m | 121,927 | 1,103,867 | 11.0% | |
| Borrowings | Rs m | 28,850 | 725,856 | 4.0% | |
| Investments | Rs m | 349,002 | 4,464,213 | 7.8% | |
| Total assets | Rs m | 1,545,046 | 15,986,360 | 9.7% | |
| Debt/equity ratio | x | 11.3 | 13.2 | 85.8% | |
| Return on assets | % | 1.1 | 0.6 | 201.2% | |
| Return on equity | % | 14.5 | 8.3 | 176.1% | |
| Capital adequacy ratio | % | 15.4 | 16.0 | 96.6% | |
| Net NPAs | % | 0.8 | 0.7 | 108.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -279,394 | 3.1% | |
| From Investments | Rs m | -2,573 | -15,064 | 17.1% | |
| From Financial Activity | Rs m | 4,074 | 35,176 | 11.6% | |
| Net Cashflow | Rs m | -7,024 | -259,283 | 2.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 70.1 | 84.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 20.0 | 64.2% | |
| FIIs | % | 6.5 | 8.4 | 76.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 29.9 | 135.7% | |
| Shareholders | 278,050 | 2,579,491 | 10.8% | ||
| 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 PNB
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 PNB Share Price Performance
| Period | J&K Bank | PNB | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 3.56% | 1.61% |
| 1-Month | 3.84% | 5.13% | -0.07% |
| 1-Year | -14.22% | 30.69% | 18.92% |
| 3-Year CAGR | 34.47% | 35.75% | 11.26% |
| 5-Year CAGR | 23.81% | 9.42% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the PNB share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of PNB the stake stands at 70.1%.
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 PNB.
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%.
PNB paid Rs 1.5, and its dividend payout ratio stood at 18.1%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of PNB.
For a sector overview, read our banking sector report.
Today's Market
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