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- Indian - banking
- J&K BANK - ING VYSYA BANK
J&K BANK vs ING VYSYA BANK - Comparison Results
Current Valuations
| J&K BANK | ING VYSYA BANK | J&K BANK/ ING VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 32.4 | 15.8% | View Chart |
| P/BV | x | 0.9 | 2.8 | 30.7% | View Chart |
| Dividend Yield | % | 2.3 | 0.6 | 388.9% |
Financials
 J&K BANK  ING VYSYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
ING VYSYA BANK Mar-14 |
J&K BANK/ ING VYSYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 667 | 22.9% | |
| Low | Rs | 48 | 406 | 11.9% | |
| Income per share (Unadj.) | Rs | 101.8 | 275.9 | 36.9% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 34.9 | 46.1% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 106.1 | 48.3% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 6.00 | 35.8% | |
| Avg Dividend yield | % | 2.1 | 1.1 | 191.3% | |
| Book value per share (Unadj.) | Rs | 110.7 | 375.2 | 29.5% | |
| Shares outstanding (eoy) | m | 1,101.18 | 188.64 | 583.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.9 | 50.8% | |
| Avg P/E ratio | x | 6.2 | 15.4 | 40.6% | |
| Avg P/CF ratio | x | 4.8 | 9.0 | 54.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 63.5% | |
| Dividend payout | % | 13.4 | 17.2 | 77.7% | |
| Avg Mkt Cap | Rs m | 110,597 | 101,156 | 109.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 9,177 | 281.0% | |
| 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 | 52,053 | 215.4% | |
| Other income | Rs m | 8,377 | 8,668 | 96.6% | |
| Interest expense | Rs m | 60,079 | 34,517 | 174.1% | |
| Net interest income | Rs m | 52,053 | 17,535 | 296.8% | |
| Operating expense | Rs m | 37,626 | 14,925 | 252.1% | |
| Gross profit | Rs m | 14,427 | 2,610 | 552.8% | |
| Gross profit margin | % | 12.9 | 5.0 | 256.6% | |
| Provisions/contingencies | Rs m | 5,105 | 4,699 | 108.6% | |
| Profit before tax | Rs m | 23,881 | 9,780 | 244.2% | |
| 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 | 3,201 | 193.1% | |
| Profit after tax | Rs m | 17,712 | 6,579 | 269.2% | |
| Net profit margin | % | 15.8 | 12.6 | 125.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 358,289 | 261.7% | |
| Deposits | Rs m | 1,347,632 | 412,122 | 327.0% | |
| Credit/Deposit ratio | x | 69.6 | 86.9 | 80.0% | |
| Yield on advances | % | 9.2 | 10.6 | 86.9% | |
| Cost of deposits | % | 4.2 | 6.6 | 64.2% | |
| Net Interest Margin | % | 4.0 | 3.3 | 121.2% | |
| Net fixed assets | Rs m | 22,083 | 4,730 | 466.9% | |
| Share capital | Rs m | 1,101 | 1,886 | 58.4% | |
| Free reserves | Rs m | 120,826 | 68,890 | 175.4% | |
| Net worth | Rs m | 121,927 | 70,776 | 172.3% | |
| Borrowings | Rs m | 28,850 | 96,685 | 29.8% | |
| Investments | Rs m | 349,002 | 167,187 | 208.8% | |
| Total assets | Rs m | 1,545,046 | 604,134 | 255.7% | |
| Debt/equity ratio | x | 11.3 | 7.2 | 157.0% | |
| Return on assets | % | 1.1 | 1.1 | 105.3% | |
| Return on equity | % | 14.5 | 9.3 | 156.3% | |
| Capital adequacy ratio | % | 15.4 | 16.8 | 92.0% | |
| Net NPAs | % | 0.8 | 0.3 | 282.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -19,300 | 44.2% | |
| From Investments | Rs m | -2,573 | -826 | 311.5% | |
| From Financial Activity | Rs m | 4,074 | 50,052 | 8.1% | |
| Net Cashflow | Rs m | -7,024 | 29,926 | -23.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 42.4 | - | |
| Indian inst/Mut Fund | % | 12.9 | 40.0 | 32.1% | |
| FIIs | % | 6.5 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 57.7 | 70.4% | |
| Shareholders | 278,050 | 33,850 | 821.4% | ||
| 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 ING Vysya 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 ING Vysya Bank Share Price Performance
| Period | J&K Bank | ING Vysya Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | -0.32% | 1.61% |
| 1-Month | 3.84% | 10.11% | -0.07% |
| 1-Year | -14.22% | 76.41% | 18.92% |
| 3-Year CAGR | 34.47% | 27.08% | 11.26% |
| 5-Year CAGR | 23.81% | 15.46% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the ING Vysya 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 ING Vysya Bank the stake stands at 42.4%.
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 ING Vysya 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%.
ING Vysya Bank paid Rs 6.0, and its dividend payout ratio stood at 17.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of ING Vysya Bank.
For a sector overview, read our banking sector report.
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