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- Indian - banking
- J&K BANK - ICICI BANK
J&K BANK vs ICICI BANK - Comparison Results
Current Valuations
| J&K BANK | ICICI BANK | J&K BANK/ ICICI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.2 | 17.8 | 29.2% | View Chart |
| P/BV | x | 0.9 | 3.5 | 25.1% | View Chart |
| Dividend Yield | % | 2.2 | 0.8 | 279.7% |
Financials
 J&K BANK  ICICI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
ICICI BANK Mar-24 |
J&K BANK/ ICICI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 1,113 | 13.7% | |
| Low | Rs | 48 | 864 | 5.6% | |
| Income per share (Unadj.) | Rs | 101.8 | 227.2 | 44.8% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 63.0 | 25.5% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 197.0 | 26.0% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 10.00 | 21.5% | |
| Avg Dividend yield | % | 2.1 | 1.0 | 211.7% | |
| Book value per share (Unadj.) | Rs | 110.7 | 362.8 | 30.5% | |
| Shares outstanding (eoy) | m | 1,101.18 | 7,022.34 | 15.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 4.4 | 22.7% | |
| Avg P/E ratio | x | 6.2 | 15.7 | 39.8% | |
| Avg P/CF ratio | x | 4.8 | 11.0 | 44.3% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 2.7 | 33.3% | |
| Dividend payout | % | 13.4 | 15.9 | 84.2% | |
| Avg Mkt Cap | Rs m | 110,597 | 6,944,388 | 1.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 191,720 | 13.5% | |
| 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 | 1,595,159 | 7.0% | |
| Other income | Rs m | 8,377 | 765,218 | 1.1% | |
| Interest expense | Rs m | 60,079 | 741,082 | 8.1% | |
| Net interest income | Rs m | 52,053 | 854,078 | 6.1% | |
| Operating expense | Rs m | 37,626 | 977,828 | 3.8% | |
| Gross profit | Rs m | 14,427 | -123,750 | -11.7% | |
| Gross profit margin | % | 12.9 | -7.8 | -165.8% | |
| Provisions/contingencies | Rs m | 5,105 | 191,400 | 2.7% | |
| Profit before tax | Rs m | 23,881 | 604,344 | 4.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -18,241 | -0.0% | |
| Prior Period Items | Rs m | 13 | 10,738 | 0.1% | |
| Tax | Rs m | 6,182 | 154,276 | 4.0% | |
| Profit after tax | Rs m | 17,712 | 442,564 | 4.0% | |
| Net profit margin | % | 15.8 | 27.7 | 56.9% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 12,607,762 | 7.4% | |
| Deposits | Rs m | 1,347,632 | 14,435,800 | 9.3% | |
| Credit/Deposit ratio | x | 69.6 | 87.3 | 79.7% | |
| Yield on advances | % | 9.2 | 9.2 | 99.3% | |
| Cost of deposits | % | 4.2 | 4.1 | 103.6% | |
| Net Interest Margin | % | 4.0 | 4.1 | 98.9% | |
| Net fixed assets | Rs m | 22,083 | 132,403 | 16.7% | |
| Share capital | Rs m | 1,101 | 14,047 | 7.8% | |
| Free reserves | Rs m | 120,826 | 2,533,338 | 4.8% | |
| Net worth | Rs m | 121,927 | 2,547,385 | 4.8% | |
| Borrowings | Rs m | 28,850 | 2,074,280 | 1.4% | |
| Investments | Rs m | 349,002 | 8,271,625 | 4.2% | |
| Total assets | Rs m | 1,545,046 | 23,640,630 | 6.5% | |
| Debt/equity ratio | x | 11.3 | 6.5 | 174.2% | |
| Return on assets | % | 1.1 | 1.9 | 61.2% | |
| Return on equity | % | 14.5 | 17.4 | 83.6% | |
| Capital adequacy ratio | % | 15.4 | 16.3 | 94.4% | |
| Net NPAs | % | 0.8 | 0.5 | 175.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 1,572,845 | -0.5% | |
| From Investments | Rs m | -2,573 | -1,459,311 | 0.2% | |
| From Financial Activity | Rs m | 4,074 | 137,645 | 3.0% | |
| Net Cashflow | Rs m | -7,024 | 263,124 | -2.7% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 90.4 | 14.2% | |
| FIIs | % | 6.5 | 46.2 | 14.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 278,050 | 1,812,907 | 15.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI KOTAK MAHINDRA BANK INDUSIND BANK
More on J&K Bank vs ICICI 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 ICICI Bank Share Price Performance
| Period | J&K Bank | ICICI Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.95% | -0.40% | 0.39% |
| 1-Month | 1.37% | -0.85% | -2.52% |
| 1-Year | -15.23% | 35.51% | 17.19% |
| 3-Year CAGR | 35.08% | 18.37% | 10.82% |
| 5-Year CAGR | 23.33% | 20.42% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the ICICI 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 ICICI Bank the stake stands at 0.0%.
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 ICICI 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%.
ICICI Bank paid Rs 10.0, and its dividend payout ratio stood at 15.9%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of ICICI Bank.
For a sector overview, read our banking sector report.
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