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- Indian - banking
- RBL BANK - J&K BANK
RBL BANK vs J&K BANK - Comparison Results
Current Valuations
| RBL BANK | J&K BANK | RBL BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 8.0 | 5.1 | 156.3% | View Chart |
| P/BV | x | 0.7 | 0.9 | 76.0% | View Chart |
| Dividend Yield | % | 1.0 | 2.3 | 42.0% |
Financials
 RBL BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| RBL BANK Mar-24 |
J&K BANK Mar-24 |
RBL BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 301 | 152 | 197.1% | |
| Low | Rs | 139 | 48 | 286.8% | |
| Income per share (Unadj.) | Rs | 204.8 | 101.8 | 201.1% | |
| Earnings per share (Unadj.) | Rs | 20.8 | 16.1 | 129.4% | |
| Cash flow per share (Unadj.) | Rs | 90.2 | 51.2 | 176.1% | |
| Dividends per share (Unadj.) | Rs | 1.50 | 2.15 | 69.8% | |
| Avg Dividend yield | % | 0.7 | 2.1 | 31.9% | |
| Book value per share (Unadj.) | Rs | 243.3 | 110.7 | 219.7% | |
| Shares outstanding (eoy) | m | 605.10 | 1,101.18 | 55.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.1 | 1.0 | 108.7% | |
| Avg P/E ratio | x | 10.6 | 6.2 | 169.0% | |
| Avg P/CF ratio | x | 4.3 | 4.8 | 87.7% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.9 | 99.6% | |
| Dividend payout | % | 7.2 | 13.4 | 53.9% | |
| Avg Mkt Cap | Rs m | 132,925 | 110,597 | 120.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 18,559 | 25,790 | 72.0% | |
| 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 | 123,938 | 112,132 | 110.5% | |
| Other income | Rs m | 30,600 | 8,377 | 365.3% | |
| Interest expense | Rs m | 63,500 | 60,079 | 105.7% | |
| Net interest income | Rs m | 60,437 | 52,053 | 116.1% | |
| Operating expense | Rs m | 59,765 | 37,626 | 158.8% | |
| Gross profit | Rs m | 672 | 14,427 | 4.7% | |
| Gross profit margin | % | 0.5 | 12.9 | 4.2% | |
| Provisions/contingencies | Rs m | 18,673 | 5,105 | 365.8% | |
| Profit before tax | Rs m | 13,487 | 23,881 | 56.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 888 | 6,182 | 14.4% | |
| Profit after tax | Rs m | 12,599 | 17,712 | 71.1% | |
| Net profit margin | % | 10.2 | 15.8 | 64.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 839,869 | 937,566 | 89.6% | |
| Deposits | Rs m | 1,034,704 | 1,347,632 | 76.8% | |
| Credit/Deposit ratio | x | 81.2 | 69.6 | 116.7% | |
| Yield on advances | % | 11.9 | 9.2 | 129.4% | |
| Cost of deposits | % | 5.2 | 4.2 | 122.4% | |
| Net Interest Margin | % | 5.3 | 4.0 | 131.7% | |
| Net fixed assets | Rs m | 5,912 | 22,083 | 26.8% | |
| Share capital | Rs m | 6,051 | 1,101 | 549.4% | |
| Free reserves | Rs m | 141,146 | 120,826 | 116.8% | |
| Net worth | Rs m | 147,197 | 121,927 | 120.7% | |
| Borrowings | Rs m | 141,852 | 28,850 | 491.7% | |
| Investments | Rs m | 294,778 | 349,002 | 84.5% | |
| Total assets | Rs m | 1,384,539 | 1,545,046 | 89.6% | |
| Debt/equity ratio | x | 8.0 | 11.3 | 70.8% | |
| Return on assets | % | 0.9 | 1.1 | 79.4% | |
| Return on equity | % | 8.6 | 14.5 | 58.9% | |
| Capital adequacy ratio | % | 16.2 | 15.4 | 104.9% | |
| Net NPAs | % | 0.7 | 0.8 | 93.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 49,550 | -8,526 | -581.2% | |
| From Investments | Rs m | -1,935 | -2,573 | 75.2% | |
| From Financial Activity | Rs m | 8,428 | 4,074 | 206.9% | |
| Net Cashflow | Rs m | 56,043 | -7,024 | -797.9% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 41.7 | 12.9 | 324.0% | |
| FIIs | % | 14.6 | 6.5 | 226.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 422,544 | 278,050 | 152.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare RBL BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on RBL BANK 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:
RBL BANK vs J&K Bank Share Price Performance
| Period | RBL BANK | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.70% | 0.26% | 1.61% |
| 1-Month | -5.83% | 3.84% | -0.07% |
| 1-Year | -32.73% | -14.22% | 18.92% |
| 3-Year CAGR | -6.63% | 34.47% | 11.26% |
| 5-Year CAGR | -15.21% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the RBL BANK share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of RBL BANK hold a 0.0% 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 RBL BANK and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, RBL BANK paid a dividend of Rs 1.5 per share. This amounted to a Dividend Payout ratio of 7.2%.
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 RBL BANK, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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