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- Indian - banking
- ANDHRA BANK - J&K BANK
ANDHRA BANK vs J&K BANK - Comparison Results
Current Valuations
| ANDHRA BANK | J&K BANK | ANDHRA BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | -3.0 | 5.1 | - | View Chart |
| P/BV | x | 0.2 | 0.9 | 24.8% | View Chart |
| Dividend Yield | % | 0.0 | 2.3 | - |
Financials
 ANDHRA BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| ANDHRA BANK Mar-19 |
J&K BANK Mar-24 |
ANDHRA BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 47 | 152 | 30.8% | |
| Low | Rs | 23 | 48 | 46.9% | |
| Income per share (Unadj.) | Rs | 66.6 | 101.8 | 65.4% | |
| Earnings per share (Unadj.) | Rs | -9.5 | 16.1 | -59.1% | |
| Cash flow per share (Unadj.) | Rs | -18.0 | 51.2 | -35.1% | |
| Dividends per share (Unadj.) | Rs | 0 | 2.15 | 0.0% | |
| Avg Dividend yield | % | 0 | 2.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 46.2 | 110.7 | 41.7% | |
| Shares outstanding (eoy) | m | 2,884.49 | 1,101.18 | 261.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.5 | 1.0 | 53.1% | |
| Avg P/E ratio | x | -3.7 | 6.2 | -58.7% | |
| Avg P/CF ratio | x | 2.0 | 4.8 | 40.8% | |
| Avg Price/Bookvalue ratio | x | 0.8 | 0.9 | 83.1% | |
| Dividend payout | % | 0 | 13.4 | -0.0% | |
| Avg Mkt Cap | Rs m | 100,524 | 110,597 | 90.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 23,015 | 25,790 | 89.2% | |
| 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 | 192,029 | 112,132 | 171.3% | |
| Other income | Rs m | 30,881 | 8,377 | 368.7% | |
| Interest expense | Rs m | 122,243 | 60,079 | 203.5% | |
| Net interest income | Rs m | 69,786 | 52,053 | 134.1% | |
| Operating expense | Rs m | 50,058 | 37,626 | 133.0% | |
| Gross profit | Rs m | 19,728 | 14,427 | 136.7% | |
| Gross profit margin | % | 10.3 | 12.9 | 79.8% | |
| Provisions/contingencies | Rs m | 78,280 | 5,105 | 1,533.5% | |
| Profit before tax | Rs m | -23,913 | 23,881 | -100.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 251 | 13 | 1,907.1% | |
| Tax | Rs m | 3,758 | 6,182 | 60.8% | |
| Profit after tax | Rs m | -27,420 | 17,712 | -154.8% | |
| Net profit margin | % | -14.3 | 15.8 | -90.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 1,588,479 | 937,566 | 169.4% | |
| Deposits | Rs m | 2,198,529 | 1,347,632 | 163.1% | |
| Credit/Deposit ratio | x | 72.3 | 69.6 | 103.9% | |
| Yield on advances | % | 8.9 | 9.2 | 97.2% | |
| Cost of deposits | % | 5.2 | 4.2 | 123.7% | |
| Net Interest Margin | % | 3.1 | 4.0 | 76.4% | |
| Net fixed assets | Rs m | 15,649 | 22,083 | 70.9% | |
| Share capital | Rs m | 28,845 | 1,101 | 2,619.1% | |
| Free reserves | Rs m | 104,472 | 120,826 | 86.5% | |
| Net worth | Rs m | 133,317 | 121,927 | 109.3% | |
| Borrowings | Rs m | 103,146 | 28,850 | 357.5% | |
| Investments | Rs m | 669,148 | 349,002 | 191.7% | |
| Total assets | Rs m | 2,540,440 | 1,545,046 | 164.4% | |
| Debt/equity ratio | x | 17.3 | 11.3 | 152.9% | |
| Return on assets | % | -1.1 | 1.1 | -94.2% | |
| Return on equity | % | -20.6 | 14.5 | -141.6% | |
| Capital adequacy ratio | % | 13.7 | 15.4 | 88.7% | |
| Net NPAs | % | 5.7 | 0.8 | 725.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 29,181 | -8,526 | -342.3% | |
| From Investments | Rs m | -837 | -2,573 | 32.5% | |
| From Financial Activity | Rs m | -37,515 | 4,074 | -920.8% | |
| Net Cashflow | Rs m | -9,099 | -7,024 | 129.5% | |
Share Holding
| Indian Promoters | % | 88.3 | 59.4 | 148.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 3.8 | 12.9 | 29.8% | |
| FIIs | % | 0.6 | 6.5 | 9.6% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 11.8 | 40.6 | 28.9% | |
| Shareholders | 238,812 | 278,050 | 85.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare ANDHRA BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Andhra 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:
Andhra Bank vs J&K Bank Share Price Performance
| Period | Andhra Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.66% | 0.26% | 1.61% |
| 1-Month | -38.86% | 3.84% | -0.07% |
| 1-Year | -65.18% | -14.22% | 18.92% |
| 3-Year CAGR | -45.56% | 34.47% | 11.26% |
| 5-Year CAGR | -35.02% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Andhra Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Andhra Bank hold a 88.3% 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 Andhra Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Andhra 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 Andhra Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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