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- Indian - banking
- J&K BANK - RBL BANK
J&K BANK vs RBL BANK - Comparison Results
Current Valuations
| J&K BANK | RBL BANK | J&K BANK/ RBL BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 8.0 | 64.0% | View Chart |
| P/BV | x | 0.9 | 0.7 | 131.6% | View Chart |
| Dividend Yield | % | 2.3 | 1.0 | 238.3% |
Financials
 J&K BANK  RBL BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
RBL BANK Mar-24 |
J&K BANK/ RBL BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 301 | 50.7% | |
| Low | Rs | 48 | 139 | 34.9% | |
| Income per share (Unadj.) | Rs | 101.8 | 204.8 | 49.7% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 20.8 | 77.3% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 90.2 | 56.8% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 1.50 | 143.3% | |
| Avg Dividend yield | % | 2.1 | 0.7 | 313.5% | |
| Book value per share (Unadj.) | Rs | 110.7 | 243.3 | 45.5% | |
| Shares outstanding (eoy) | m | 1,101.18 | 605.10 | 182.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.1 | 92.0% | |
| Avg P/E ratio | x | 6.2 | 10.6 | 59.2% | |
| Avg P/CF ratio | x | 4.8 | 4.3 | 114.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 100.4% | |
| Dividend payout | % | 13.4 | 7.2 | 185.5% | |
| Avg Mkt Cap | Rs m | 110,597 | 132,925 | 83.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 18,559 | 139.0% | |
| 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 | 123,938 | 90.5% | |
| Other income | Rs m | 8,377 | 30,600 | 27.4% | |
| Interest expense | Rs m | 60,079 | 63,500 | 94.6% | |
| Net interest income | Rs m | 52,053 | 60,437 | 86.1% | |
| Operating expense | Rs m | 37,626 | 59,765 | 63.0% | |
| Gross profit | Rs m | 14,427 | 672 | 2,145.9% | |
| Gross profit margin | % | 12.9 | 0.5 | 2,371.9% | |
| Provisions/contingencies | Rs m | 5,105 | 18,673 | 27.3% | |
| Profit before tax | Rs m | 23,881 | 13,487 | 177.1% | |
| 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 | 888 | 696.0% | |
| Profit after tax | Rs m | 17,712 | 12,599 | 140.6% | |
| Net profit margin | % | 15.8 | 10.2 | 155.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 839,869 | 111.6% | |
| Deposits | Rs m | 1,347,632 | 1,034,704 | 130.2% | |
| Credit/Deposit ratio | x | 69.6 | 81.2 | 85.7% | |
| Yield on advances | % | 9.2 | 11.9 | 77.3% | |
| Cost of deposits | % | 4.2 | 5.2 | 81.7% | |
| Net Interest Margin | % | 4.0 | 5.3 | 76.0% | |
| Net fixed assets | Rs m | 22,083 | 5,912 | 373.5% | |
| Share capital | Rs m | 1,101 | 6,051 | 18.2% | |
| Free reserves | Rs m | 120,826 | 141,146 | 85.6% | |
| Net worth | Rs m | 121,927 | 147,197 | 82.8% | |
| Borrowings | Rs m | 28,850 | 141,852 | 20.3% | |
| Investments | Rs m | 349,002 | 294,778 | 118.4% | |
| Total assets | Rs m | 1,545,046 | 1,384,539 | 111.6% | |
| Debt/equity ratio | x | 11.3 | 8.0 | 141.2% | |
| Return on assets | % | 1.1 | 0.9 | 126.0% | |
| Return on equity | % | 14.5 | 8.6 | 169.7% | |
| Capital adequacy ratio | % | 15.4 | 16.2 | 95.3% | |
| Net NPAs | % | 0.8 | 0.7 | 106.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 49,550 | -17.2% | |
| From Investments | Rs m | -2,573 | -1,935 | 133.0% | |
| From Financial Activity | Rs m | 4,074 | 8,428 | 48.3% | |
| Net Cashflow | Rs m | -7,024 | 56,043 | -12.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 41.7 | 30.9% | |
| FIIs | % | 6.5 | 14.6 | 44.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 278,050 | 422,544 | 65.8% | ||
| 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 RBL 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 RBL BANK Share Price Performance
| Period | J&K Bank | RBL BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.70% | 1.61% |
| 1-Month | 3.84% | -5.83% | -0.07% |
| 1-Year | -14.22% | -32.73% | 18.92% |
| 3-Year CAGR | 34.47% | -6.63% | 11.26% |
| 5-Year CAGR | 23.81% | -15.21% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the RBL 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 RBL BANK the stake stands at 0.0%.
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 RBL 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%.
RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 7.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of RBL BANK.
For a sector overview, read our banking sector report.
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