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- Indian - banking
- J&K BANK - UNION BANK
J&K BANK vs UNION BANK - Comparison Results
Current Valuations
| J&K BANK | UNION BANK | J&K BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 5.8 | 89.2% | View Chart |
| P/BV | x | 0.9 | 0.9 | 95.1% | View Chart |
| Dividend Yield | % | 2.3 | 3.1 | 72.5% |
Financials
 J&K BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
UNION BANK Mar-24 |
J&K BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 162 | 94.2% | |
| Low | Rs | 48 | 66 | 73.0% | |
| Income per share (Unadj.) | Rs | 101.8 | 131.5 | 77.4% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 18.1 | 89.0% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 43.9 | 116.8% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 3.60 | 59.7% | |
| Avg Dividend yield | % | 2.1 | 3.2 | 67.8% | |
| Book value per share (Unadj.) | Rs | 110.7 | 127.9 | 86.6% | |
| Shares outstanding (eoy) | m | 1,101.18 | 7,633.61 | 14.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.9 | 113.7% | |
| Avg P/E ratio | x | 6.2 | 6.3 | 98.9% | |
| Avg P/CF ratio | x | 4.8 | 3.1 | 158.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 101.7% | |
| Dividend payout | % | 13.4 | 19.9 | 67.1% | |
| Avg Mkt Cap | Rs m | 110,597 | 870,804 | 12.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 145,932 | 17.7% | |
| 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 | 1,003,756 | 11.2% | |
| Other income | Rs m | 8,377 | 178,128 | 4.7% | |
| Interest expense | Rs m | 60,079 | 633,637 | 9.5% | |
| Net interest income | Rs m | 52,053 | 370,119 | 14.1% | |
| Operating expense | Rs m | 37,626 | 265,058 | 14.2% | |
| Gross profit | Rs m | 14,427 | 105,060 | 13.7% | |
| Gross profit margin | % | 12.9 | 10.5 | 122.9% | |
| Provisions/contingencies | Rs m | 5,105 | 146,099 | 3.5% | |
| Profit before tax | Rs m | 23,881 | 215,082 | 11.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 882 | 1.5% | |
| Tax | Rs m | 6,182 | 77,993 | 7.9% | |
| Profit after tax | Rs m | 17,712 | 137,971 | 12.8% | |
| Net profit margin | % | 15.8 | 13.7 | 114.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 8,740,797 | 10.7% | |
| Deposits | Rs m | 1,347,632 | 12,245,934 | 11.0% | |
| Credit/Deposit ratio | x | 69.6 | 71.4 | 97.5% | |
| Yield on advances | % | 9.2 | 8.3 | 111.2% | |
| Cost of deposits | % | 4.2 | 4.8 | 88.1% | |
| Net Interest Margin | % | 4.0 | 3.0 | 133.1% | |
| Net fixed assets | Rs m | 22,083 | 92,239 | 23.9% | |
| Share capital | Rs m | 1,101 | 77,376 | 1.4% | |
| Free reserves | Rs m | 120,826 | 898,600 | 13.4% | |
| Net worth | Rs m | 121,927 | 975,977 | 12.5% | |
| Borrowings | Rs m | 28,850 | 269,743 | 10.7% | |
| Investments | Rs m | 349,002 | 3,439,529 | 10.1% | |
| Total assets | Rs m | 1,545,046 | 14,019,959 | 11.0% | |
| Debt/equity ratio | x | 11.3 | 12.8 | 88.0% | |
| Return on assets | % | 1.1 | 1.0 | 116.5% | |
| Return on equity | % | 14.5 | 14.1 | 102.8% | |
| Capital adequacy ratio | % | 15.4 | 17.0 | 90.9% | |
| Net NPAs | % | 0.8 | 1.0 | 76.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 199,297 | -4.3% | |
| From Investments | Rs m | -2,573 | -13,938 | 18.5% | |
| From Financial Activity | Rs m | 4,074 | -114,889 | -3.5% | |
| Net Cashflow | Rs m | -7,024 | 70,470 | -10.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 74.8 | 79.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 18.1 | 71.0% | |
| FIIs | % | 6.5 | 6.9 | 93.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 25.2 | 160.9% | |
| Shareholders | 278,050 | 1,019,061 | 27.3% | ||
| 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 Union 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 Union Bank Share Price Performance
| Period | J&K Bank | Union Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -0.13% | 1.61% |
| 1-Month | 3.84% | 5.17% | -0.07% |
| 1-Year | -14.22% | 7.58% | 18.92% |
| 3-Year CAGR | 34.47% | 37.88% | 11.26% |
| 5-Year CAGR | 23.81% | 15.12% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Union 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 Union Bank the stake stands at 74.8%.
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 Union 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%.
Union Bank paid Rs 3.6, and its dividend payout ratio stood at 19.9%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Union Bank.
For a sector overview, read our banking sector report.
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