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- Indian - banking
- J&K BANK - SURYODAY SMALL FINANCE BANK
J&K BANK vs SURYODAY SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | SURYODAY SMALL FINANCE BANK | J&K BANK/ SURYODAY SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 6.6 | 77.4% | View Chart |
| P/BV | x | 0.9 | 0.9 | 99.1% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 J&K BANK  SURYODAY SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
SURYODAY SMALL FINANCE BANK Mar-24 |
J&K BANK/ SURYODAY SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 204 | 74.7% | |
| Low | Rs | 48 | 91 | 53.5% | |
| Income per share (Unadj.) | Rs | 101.8 | 149.6 | 68.1% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 20.3 | 79.1% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 73.2 | 70.0% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 0 | - | |
| Avg Dividend yield | % | 2.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 110.7 | 169.0 | 65.5% | |
| Shares outstanding (eoy) | m | 1,101.18 | 106.20 | 1,036.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.0 | 100.2% | |
| Avg P/E ratio | x | 6.2 | 7.2 | 86.2% | |
| Avg P/CF ratio | x | 4.8 | 3.4 | 140.6% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 104.1% | |
| Dividend payout | % | 13.4 | 0 | - | |
| Avg Mkt Cap | Rs m | 110,597 | 15,644 | 706.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 3,608 | 714.8% | |
| 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 | 15,887 | 705.8% | |
| Other income | Rs m | 8,377 | 2,194 | 381.8% | |
| Interest expense | Rs m | 60,079 | 6,265 | 959.0% | |
| Net interest income | Rs m | 52,053 | 9,622 | 541.0% | |
| Operating expense | Rs m | 37,626 | 7,277 | 517.0% | |
| Gross profit | Rs m | 14,427 | 2,345 | 615.2% | |
| Gross profit margin | % | 12.9 | 14.8 | 87.2% | |
| Provisions/contingencies | Rs m | 5,105 | 2,380 | 214.5% | |
| Profit before tax | Rs m | 23,881 | 2,876 | 830.4% | |
| 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 | 716 | 863.2% | |
| Profit after tax | Rs m | 17,712 | 2,160 | 820.2% | |
| Net profit margin | % | 15.8 | 13.6 | 116.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 80,780 | 1,160.6% | |
| Deposits | Rs m | 1,347,632 | 77,773 | 1,732.8% | |
| Credit/Deposit ratio | x | 69.6 | 103.9 | 67.0% | |
| Yield on advances | % | 9.2 | 17.3 | 53.2% | |
| Cost of deposits | % | 4.2 | 5.6 | 74.8% | |
| Net Interest Margin | % | 4.0 | 9.0 | 44.9% | |
| Net fixed assets | Rs m | 22,083 | 1,522 | 1,451.1% | |
| Share capital | Rs m | 1,101 | 1,062 | 103.7% | |
| Free reserves | Rs m | 120,826 | 16,887 | 715.5% | |
| Net worth | Rs m | 121,927 | 17,949 | 679.3% | |
| Borrowings | Rs m | 28,850 | 24,430 | 118.1% | |
| Investments | Rs m | 349,002 | 25,993 | 1,342.7% | |
| Total assets | Rs m | 1,545,046 | 123,777 | 1,248.3% | |
| Debt/equity ratio | x | 11.3 | 5.7 | 198.3% | |
| Return on assets | % | 1.1 | 1.7 | 65.7% | |
| Return on equity | % | 14.5 | 12.0 | 120.7% | |
| Capital adequacy ratio | % | 15.4 | 28.4 | 54.3% | |
| Net NPAs | % | 0.8 | 0.9 | 91.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 9,347 | -91.2% | |
| From Investments | Rs m | -2,573 | -2,634 | 97.7% | |
| From Financial Activity | Rs m | 4,074 | -3,219 | -126.6% | |
| Net Cashflow | Rs m | -7,024 | 3,495 | -201.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 22.3 | 266.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 11.5 | 111.8% | |
| FIIs | % | 6.5 | 3.5 | 184.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 77.7 | 52.3% | |
| Shareholders | 278,050 | 108,301 | 256.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 22.5 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | SURYODAY SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 4.07% | 1.61% |
| 1-Month | 3.84% | -6.18% | -0.07% |
| 1-Year | -14.22% | -9.10% | 18.92% |
| 3-Year CAGR | 34.47% | -2.18% | 11.26% |
| 5-Year CAGR | 23.81% | -12.00% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK the stake stands at 22.3%.
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 SURYODAY SMALL FINANCE 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%.
SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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