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- Indian - banking
- J&K BANK - INDUSIND BANK
J&K BANK vs INDUSIND BANK - Comparison Results
Current Valuations
| J&K BANK | INDUSIND BANK | J&K BANK/ INDUSIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.2 | 9.6 | 54.5% | View Chart |
| P/BV | x | 0.9 | 1.2 | 70.2% | View Chart |
| Dividend Yield | % | 2.2 | 1.6 | 135.8% |
Financials
 J&K BANK  INDUSIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
INDUSIND BANK Mar-24 |
J&K BANK/ INDUSIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 1,694 | 9.0% | |
| Low | Rs | 48 | 1,009 | 4.8% | |
| Income per share (Unadj.) | Rs | 101.8 | 587.8 | 17.3% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 115.3 | 13.9% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 247.2 | 20.7% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 16.50 | 13.0% | |
| Avg Dividend yield | % | 2.1 | 1.2 | 175.4% | |
| Book value per share (Unadj.) | Rs | 110.7 | 810.8 | 13.7% | |
| Shares outstanding (eoy) | m | 1,101.18 | 778.32 | 141.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 2.3 | 42.9% | |
| Avg P/E ratio | x | 6.2 | 11.7 | 53.3% | |
| Avg P/CF ratio | x | 4.8 | 6.6 | 73.1% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.7 | 54.4% | |
| Dividend payout | % | 13.4 | 14.3 | 93.4% | |
| Avg Mkt Cap | Rs m | 110,597 | 1,052,055 | 10.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 53,739 | 48.0% | |
| 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 | 112,132 | 457,482 | 24.5% | |
| Other income | Rs m | 8,377 | 93,958 | 8.9% | |
| Interest expense | Rs m | 60,079 | 251,323 | 23.9% | |
| Net interest income | Rs m | 52,053 | 206,159 | 25.2% | |
| Operating expense | Rs m | 37,626 | 141,476 | 26.6% | |
| Gross profit | Rs m | 14,427 | 64,683 | 22.3% | |
| Gross profit margin | % | 12.9 | 14.1 | 91.0% | |
| Provisions/contingencies | Rs m | 5,105 | 68,871 | 7.4% | |
| Profit before tax | Rs m | 23,881 | 119,792 | 19.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 3 | 428.7% | |
| Tax | Rs m | 6,182 | 30,022 | 20.6% | |
| Profit after tax | Rs m | 17,712 | 89,773 | 19.7% | |
| Net profit margin | % | 15.8 | 19.6 | 80.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 3,432,983 | 27.3% | |
| Deposits | Rs m | 1,347,632 | 3,845,857 | 35.0% | |
| Credit/Deposit ratio | x | 69.6 | 89.3 | 77.9% | |
| Yield on advances | % | 9.2 | 11.1 | 82.7% | |
| Cost of deposits | % | 4.2 | 5.6 | 74.7% | |
| Net Interest Margin | % | 4.0 | 4.6 | 88.3% | |
| Net fixed assets | Rs m | 22,083 | 21,271 | 103.8% | |
| Share capital | Rs m | 1,101 | 7,783 | 14.2% | |
| Free reserves | Rs m | 120,826 | 623,257 | 19.4% | |
| Net worth | Rs m | 121,927 | 631,040 | 19.3% | |
| Borrowings | Rs m | 28,850 | 476,114 | 6.1% | |
| Investments | Rs m | 349,002 | 1,064,865 | 32.8% | |
| Total assets | Rs m | 1,545,046 | 5,150,940 | 30.0% | |
| Debt/equity ratio | x | 11.3 | 6.8 | 164.8% | |
| Return on assets | % | 1.1 | 1.7 | 65.8% | |
| Return on equity | % | 14.5 | 14.2 | 102.1% | |
| Capital adequacy ratio | % | 15.4 | 17.2 | 89.5% | |
| Net NPAs | % | 0.8 | 0.6 | 138.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | -169,247 | 5.0% | |
| From Investments | Rs m | -2,573 | -7,113 | 36.2% | |
| From Financial Activity | Rs m | 4,074 | -22,415 | -18.2% | |
| Net Cashflow | Rs m | -7,024 | -198,694 | 3.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 16.4 | - | |
| Indian inst/Mut Fund | % | 12.9 | 69.1 | 18.6% | |
| FIIs | % | 6.5 | 34.0 | 19.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 83.6 | 48.5% | |
| Shareholders | 278,050 | 439,052 | 63.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on J&K Bank vs Indusind 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 Indusind Bank Share Price Performance
| Period | J&K Bank | Indusind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.95% | -0.46% | 0.39% |
| 1-Month | 1.37% | -23.54% | -2.52% |
| 1-Year | -15.23% | -33.54% | 17.19% |
| 3-Year CAGR | 35.08% | -0.22% | 10.82% |
| 5-Year CAGR | 23.33% | -6.40% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Indusind 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 Indusind Bank the stake stands at 16.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of J&K Bank and the shareholding pattern of Indusind 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%.
Indusind Bank paid Rs 16.5, and its dividend payout ratio stood at 14.3%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of Indusind Bank.
For a sector overview, read our banking sector report.
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