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- J&K BANK - UJJIVAN SMALL FINANCE BANK
J&K BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results
Current Valuations
| J&K BANK | UJJIVAN SMALL FINANCE BANK | J&K BANK/ UJJIVAN SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 5.4 | 95.8% | View Chart |
| P/BV | x | 0.9 | 1.5 | 56.6% | View Chart |
| Dividend Yield | % | 2.3 | 4.6 | 48.8% |
Financials
 J&K BANK  UJJIVAN SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
UJJIVAN SMALL FINANCE BANK Mar-24 |
J&K BANK/ UJJIVAN SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 63 | 242.0% | |
| Low | Rs | 48 | 25 | 193.6% | |
| Income per share (Unadj.) | Rs | 101.8 | 109.4 | 93.0% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 24.7 | 65.1% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 64.5 | 79.4% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 1.50 | 143.3% | |
| Avg Dividend yield | % | 2.1 | 3.4 | 62.8% | |
| Book value per share (Unadj.) | Rs | 110.7 | 79.6 | 139.1% | |
| Shares outstanding (eoy) | m | 1,101.18 | 518.73 | 212.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.4 | 245.3% | |
| Avg P/E ratio | x | 6.2 | 1.8 | 350.6% | |
| Avg P/CF ratio | x | 4.8 | 1.2 | 407.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.6 | 164.1% | |
| Dividend payout | % | 13.4 | 6.1 | 220.1% | |
| Avg Mkt Cap | Rs m | 110,597 | 22,824 | 484.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 11,832 | 218.0% | |
| 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 | 56,772 | 197.5% | |
| Other income | Rs m | 8,377 | 7,868 | 106.5% | |
| Interest expense | Rs m | 60,079 | 22,677 | 264.9% | |
| Net interest income | Rs m | 52,053 | 34,095 | 152.7% | |
| Operating expense | Rs m | 37,626 | 22,791 | 165.1% | |
| Gross profit | Rs m | 14,427 | 11,304 | 127.6% | |
| Gross profit margin | % | 12.9 | 19.9 | 64.6% | |
| Provisions/contingencies | Rs m | 5,105 | 6,356 | 80.3% | |
| Profit before tax | Rs m | 23,881 | 17,022 | 140.3% | |
| 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 | 4,207 | 146.9% | |
| Profit after tax | Rs m | 17,712 | 12,815 | 138.2% | |
| Net profit margin | % | 15.8 | 22.6 | 70.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 268,829 | 348.8% | |
| Deposits | Rs m | 1,347,632 | 314,622 | 428.3% | |
| Credit/Deposit ratio | x | 69.6 | 85.4 | 81.4% | |
| Yield on advances | % | 9.2 | 18.5 | 49.6% | |
| Cost of deposits | % | 4.2 | 6.5 | 65.4% | |
| Net Interest Margin | % | 4.0 | 9.3 | 43.5% | |
| Net fixed assets | Rs m | 22,083 | 3,949 | 559.3% | |
| Share capital | Rs m | 1,101 | 5,187 | 21.2% | |
| Free reserves | Rs m | 120,826 | 36,097 | 334.7% | |
| Net worth | Rs m | 121,927 | 41,285 | 295.3% | |
| Borrowings | Rs m | 28,850 | 21,708 | 132.9% | |
| Investments | Rs m | 349,002 | 97,660 | 357.4% | |
| Total assets | Rs m | 1,545,046 | 404,222 | 382.2% | |
| Debt/equity ratio | x | 11.3 | 8.1 | 138.6% | |
| Return on assets | % | 1.1 | 3.2 | 36.2% | |
| Return on equity | % | 14.5 | 31.0 | 46.8% | |
| Capital adequacy ratio | % | 15.4 | 24.7 | 62.5% | |
| Net NPAs | % | 0.8 | 0.3 | 282.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 15,825 | -53.9% | |
| From Investments | Rs m | -2,573 | -8,542 | 30.1% | |
| From Financial Activity | Rs m | 4,074 | -5,187 | -78.5% | |
| Net Cashflow | Rs m | -7,024 | 2,103 | -334.0% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 27.1 | 47.4% | |
| FIIs | % | 6.5 | 20.6 | 31.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 278,050 | 1,068,325 | 26.0% | ||
| 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 UJJIVAN 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 UJJIVAN SMALL FINANCE BANK Share Price Performance
| Period | J&K Bank | UJJIVAN SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -1.44% | 1.61% |
| 1-Month | 3.84% | -12.19% | -0.07% |
| 1-Year | -14.22% | -40.98% | 18.92% |
| 3-Year CAGR | 34.47% | 19.19% | 11.26% |
| 5-Year CAGR | 23.81% | -10.41% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the UJJIVAN 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 UJJIVAN SMALL FINANCE 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 UJJIVAN 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%.
UJJIVAN SMALL FINANCE BANK paid Rs 1.5, and its dividend payout ratio stood at 6.1%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of UJJIVAN SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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After opening the day higher, Indian benchmark indices remained positive as the session progressed and ended the day on firm footing.
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