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SURYODAY SMALL FINANCE BANK vs J&K BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    SURYODAY SMALL FINANCE BANK J&K BANK SURYODAY SMALL FINANCE BANK/
J&K BANK
 
P/E (TTM) x 6.4 5.1 124.5% View Chart
P/BV x 0.8 0.9 97.3% View Chart
Dividend Yield % 0.0 2.3 -  

Financials

 SURYODAY SMALL FINANCE BANK   J&K BANK
EQUITY SHARE DATA
    SURYODAY SMALL FINANCE BANK
Mar-24
J&K BANK
Mar-24
SURYODAY SMALL FINANCE BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs204152 133.9%   
Low Rs9148 186.9%   
Income per share (Unadj.) Rs149.6101.8 146.9%  
Earnings per share (Unadj.) Rs20.316.1 126.4%  
Cash flow per share (Unadj.) Rs73.251.2 142.9%  
Dividends per share (Unadj.) Rs02.15 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs169.0110.7 152.6%  
Shares outstanding (eoy) m106.201,101.18 9.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.01.0 99.8%   
Avg P/E ratio x7.26.2 116.0%  
Avg P/CF ratio x3.44.8 71.1%  
Avg Price/Bookvalue ratio x0.90.9 96.1%  
Dividend payout %013.4 0.0%   
Avg Mkt Cap Rs m15,644110,597 14.1%   
No. of employees `000NANA-   
Total wages & salary Rs m3,60825,790 14.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m15,887112,132 14.2%  
Other income Rs m2,1948,377 26.2%   
Interest expense Rs m6,26560,079 10.4%   
Net interest income Rs m9,62252,053 18.5%  
Operating expense Rs m7,27737,626 19.3%   
Gross profit Rs m2,34514,427 16.3%  
Gross profit margin %14.812.9 114.7%  
Provisions/contingencies Rs m2,3805,105 46.6%   
Profit before tax Rs m2,87623,881 12.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m013 0.0%   
Tax Rs m7166,182 11.6%   
Profit after tax Rs m2,16017,712 12.2%  
Net profit margin %13.615.8 86.1%  
BALANCE SHEET DATA
Advances Rs m80,780937,566 8.6%   
Deposits Rs m77,7731,347,632 5.8%  
Credit/Deposit ratio x103.969.6 149.3%  
Yield on advances %17.39.2 188.0%   
Cost of deposits %5.64.2 133.7%   
Net Interest Margin %9.04.0 222.7%  
Net fixed assets Rs m1,52222,083 6.9%   
Share capital Rs m1,0621,101 96.4%   
Free reserves Rs m16,887120,826 14.0%   
Net worth Rs m17,949121,927 14.7%   
Borrowings Rs m24,43028,850 84.7%   
Investments Rs m25,993349,002 7.4%   
Total assets Rs m123,7771,545,046 8.0%  
Debt/equity ratio x5.711.3 50.4%   
Return on assets %1.71.1 152.2%  
Return on equity %12.014.5 82.8%  
Capital adequacy ratio %28.415.4 184.2%  
Net NPAs %0.90.8 108.9%  
CASH FLOW
From Operations Rs m9,347-8,526 -109.6%  
From Investments Rs m-2,634-2,573 102.4%  
From Financial Activity Rs m-3,2194,074 -79.0%  
Net Cashflow Rs m3,495-7,024 -49.8%  

Share Holding

Indian Promoters % 22.3 59.4 37.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 11.5 12.9 89.4%  
FIIs % 3.5 6.5 54.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 77.7 40.6 191.4%  
Shareholders   108,301 278,050 39.0%  
Pledged promoter(s) holding % 22.5 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SURYODAY SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on SURYODAY SMALL FINANCE 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:

SURYODAY SMALL FINANCE BANK vs J&K Bank Share Price Performance

Period SURYODAY SMALL FINANCE BANK J&K Bank S&P BSE BANKEX
1-Day -1.96% -1.61% -0.42%
1-Month -15.30% -0.26% -2.93%
1-Year -14.00% -16.30% 16.50%
3-Year CAGR -3.47% 34.35% 10.67%
5-Year CAGR -12.69% 23.37% 10.10%

* Compound Annual Growth Rate

Here are more details on the SURYODAY SMALL FINANCE BANK share price and the J&K Bank share price.

Moving on to shareholding structures...

The promoters of SURYODAY SMALL FINANCE BANK hold a 22.3% 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 SURYODAY SMALL FINANCE BANK and the shareholding pattern of J&K Bank.

Finally, a word on dividends...

In the most recent financial year, SURYODAY SMALL FINANCE BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

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 SURYODAY SMALL FINANCE BANK, and the dividend history of J&K Bank.

For a sector overview, read our banking sector report.



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