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- Indian - banking
- PNB - J&K BANK
PNB vs J&K BANK - Comparison Results
Current Valuations
| PNB | J&K BANK | PNB/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.2 | 5.1 | 160.2% | View Chart |
| P/BV | x | 1.0 | 0.9 | 117.6% | View Chart |
| Dividend Yield | % | 1.6 | 2.3 | 68.4% |
Financials
 PNB  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PNB Mar-24 |
J&K BANK Mar-24 |
PNB/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 133 | 152 | 87.2% | |
| Low | Rs | 46 | 48 | 95.9% | |
| Income per share (Unadj.) | Rs | 99.1 | 101.8 | 97.3% | |
| Earnings per share (Unadj.) | Rs | 8.3 | 16.1 | 51.4% | |
| Cash flow per share (Unadj.) | Rs | 23.8 | 51.2 | 46.4% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 2.15 | 69.8% | |
| Avg Dividend yield | % | 1.7 | 2.1 | 78.1% | |
| Book value per share (Unadj.) | Rs | 100.3 | 110.7 | 90.5% | |
| Shares outstanding (eoy) | m | 11,011.02 | 1,101.18 | 999.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.0 | 91.8% | |
| Avg P/E ratio | x | 10.8 | 6.2 | 173.7% | |
| Avg P/CF ratio | x | 3.8 | 4.8 | 78.9% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 98.7% | |
| Dividend payout | % | 18.1 | 13.4 | 135.7% | |
| Avg Mkt Cap | Rs m | 987,963 | 110,597 | 893.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 186,432 | 25,790 | 722.9% | |
| 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 | 1,090,646 | 112,132 | 972.6% | |
| Other income | Rs m | 133,294 | 8,377 | 1,591.2% | |
| Interest expense | Rs m | 685,342 | 60,079 | 1,140.7% | |
| Net interest income | Rs m | 405,304 | 52,053 | 778.6% | |
| Operating expense | Rs m | 288,090 | 37,626 | 765.7% | |
| Gross profit | Rs m | 117,214 | 14,427 | 812.5% | |
| Gross profit margin | % | 10.7 | 12.9 | 83.5% | |
| Provisions/contingencies | Rs m | 167,220 | 5,105 | 3,275.7% | |
| Profit before tax | Rs m | 133,317 | 23,881 | 558.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -500 | 0 | - | |
| Prior Period Items | Rs m | 8,282 | 13 | 62,936.2% | |
| Tax | Rs m | 50,028 | 6,182 | 809.3% | |
| Profit after tax | Rs m | 91,072 | 17,712 | 514.2% | |
| Net profit margin | % | 8.4 | 15.8 | 52.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 9,417,625 | 937,566 | 1,004.5% | |
| Deposits | Rs m | 13,792,252 | 1,347,632 | 1,023.4% | |
| Credit/Deposit ratio | x | 68.3 | 69.6 | 98.1% | |
| Yield on advances | % | 8.1 | 9.2 | 88.5% | |
| Cost of deposits | % | 4.5 | 4.2 | 107.6% | |
| Net Interest Margin | % | 2.9 | 4.0 | 72.2% | |
| Net fixed assets | Rs m | 123,478 | 22,083 | 559.2% | |
| Share capital | Rs m | 22,022 | 1,101 | 1,999.6% | |
| Free reserves | Rs m | 1,081,845 | 120,826 | 895.4% | |
| Net worth | Rs m | 1,103,867 | 121,927 | 905.3% | |
| Borrowings | Rs m | 725,856 | 28,850 | 2,516.0% | |
| Investments | Rs m | 4,464,213 | 349,002 | 1,279.1% | |
| Total assets | Rs m | 15,986,360 | 1,545,046 | 1,034.7% | |
| Debt/equity ratio | x | 13.2 | 11.3 | 116.5% | |
| Return on assets | % | 0.6 | 1.1 | 49.7% | |
| Return on equity | % | 8.3 | 14.5 | 56.8% | |
| Capital adequacy ratio | % | 16.0 | 15.4 | 103.6% | |
| Net NPAs | % | 0.7 | 0.8 | 92.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -279,394 | -8,526 | 3,277.1% | |
| From Investments | Rs m | -15,064 | -2,573 | 585.6% | |
| From Financial Activity | Rs m | 35,176 | 4,074 | 863.3% | |
| Net Cashflow | Rs m | -259,283 | -7,024 | 3,691.5% | |
Share Holding
| Indian Promoters | % | 70.1 | 59.4 | 118.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 20.0 | 12.9 | 155.7% | |
| FIIs | % | 8.4 | 6.5 | 130.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 29.9 | 40.6 | 73.7% | |
| Shareholders | 2,579,491 | 278,050 | 927.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PNB With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on PNB vs J&K Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
PNB vs J&K Bank Share Price Performance
| Period | PNB | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -4.48% | -1.61% | -0.42% |
| 1-Month | -5.78% | -0.26% | -2.93% |
| 1-Year | 23.53% | -16.30% | 16.50% |
| 3-Year CAGR | 34.18% | 34.35% | 10.67% |
| 5-Year CAGR | 8.79% | 23.37% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the PNB share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of PNB hold a 70.1% stake in the company. In case of J&K Bank the stake stands at 59.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, PNB paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 18.1%.
J&K Bank paid Rs 2.2, and its dividend payout ratio stood at 13.4%.
You may visit here to review the dividend history of PNB, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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On Thursday, Indian share markets traded lower throughout the trading session and ended on a weak note.
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