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- Indian - banking
- J&K BANK - KARNATAKA BANK
J&K BANK vs KARNATAKA BANK - Comparison Results
Current Valuations
| J&K BANK | KARNATAKA BANK | J&K BANK/ KARNATAKA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.1 | 5.6 | 91.3% | View Chart |
| P/BV | x | 0.9 | 0.7 | 122.8% | View Chart |
| Dividend Yield | % | 2.3 | 2.8 | 82.5% |
Financials
 J&K BANK  KARNATAKA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
KARNATAKA BANK Mar-24 |
J&K BANK/ KARNATAKA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 286 | 53.2% | |
| Low | Rs | 48 | 127 | 38.1% | |
| Income per share (Unadj.) | Rs | 101.8 | 220.0 | 46.3% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 34.6 | 46.4% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 83.8 | 61.2% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 5.50 | 39.1% | |
| Avg Dividend yield | % | 2.1 | 2.7 | 80.5% | |
| Book value per share (Unadj.) | Rs | 110.7 | 287.5 | 38.5% | |
| Shares outstanding (eoy) | m | 1,101.18 | 377.25 | 291.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 0.9 | 105.0% | |
| Avg P/E ratio | x | 6.2 | 6.0 | 104.6% | |
| Avg P/CF ratio | x | 4.8 | 3.6 | 134.5% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 0.7 | 126.2% | |
| Dividend payout | % | 13.4 | 15.9 | 84.2% | |
| Avg Mkt Cap | Rs m | 110,597 | 77,987 | 141.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 13,818 | 186.6% | |
| 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 | 82,985 | 135.1% | |
| Other income | Rs m | 8,377 | 13,190 | 63.5% | |
| Interest expense | Rs m | 60,079 | 49,998 | 120.2% | |
| Net interest income | Rs m | 52,053 | 32,987 | 157.8% | |
| Operating expense | Rs m | 37,626 | 24,542 | 153.3% | |
| Gross profit | Rs m | 14,427 | 8,446 | 170.8% | |
| Gross profit margin | % | 12.9 | 10.2 | 126.4% | |
| Provisions/contingencies | Rs m | 5,105 | 8,569 | 59.6% | |
| Profit before tax | Rs m | 23,881 | 15,631 | 152.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 13 | 0 | - | |
| Tax | Rs m | 6,182 | 2,565 | 241.0% | |
| Profit after tax | Rs m | 17,712 | 13,066 | 135.6% | |
| Net profit margin | % | 15.8 | 15.7 | 100.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 715,086 | 131.1% | |
| Deposits | Rs m | 1,347,632 | 980,572 | 137.4% | |
| Credit/Deposit ratio | x | 69.6 | 72.9 | 95.4% | |
| Yield on advances | % | 9.2 | 9.1 | 100.6% | |
| Cost of deposits | % | 4.2 | 4.9 | 86.6% | |
| Net Interest Margin | % | 4.0 | 3.4 | 117.5% | |
| Net fixed assets | Rs m | 22,083 | 9,148 | 241.4% | |
| Share capital | Rs m | 1,101 | 3,773 | 29.2% | |
| Free reserves | Rs m | 120,826 | 104,693 | 115.4% | |
| Net worth | Rs m | 121,927 | 108,466 | 112.4% | |
| Borrowings | Rs m | 28,850 | 43,995 | 65.6% | |
| Investments | Rs m | 349,002 | 243,003 | 143.6% | |
| Total assets | Rs m | 1,545,046 | 1,160,833 | 133.1% | |
| Debt/equity ratio | x | 11.3 | 9.4 | 119.5% | |
| Return on assets | % | 1.1 | 1.1 | 101.8% | |
| Return on equity | % | 14.5 | 12.0 | 120.6% | |
| Capital adequacy ratio | % | 15.4 | 18.0 | 85.7% | |
| Net NPAs | % | 0.8 | 1.6 | 50.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 3,622 | -235.4% | |
| From Investments | Rs m | -2,573 | -1,112 | 231.3% | |
| From Financial Activity | Rs m | 4,074 | 15,823 | 25.7% | |
| Net Cashflow | Rs m | -7,024 | 18,333 | -38.3% | |
Share Holding
| Indian Promoters | % | 59.4 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 32.3 | 39.8% | |
| FIIs | % | 6.5 | 10.3 | 62.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 100.0 | 40.6% | |
| Shareholders | 278,050 | 356,774 | 77.9% | ||
| 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 Karnataka 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 Karnataka Bank Share Price Performance
| Period | J&K Bank | Karnataka Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.26% | 0.03% | 1.61% |
| 1-Month | 3.84% | -6.61% | -0.07% |
| 1-Year | -14.22% | -7.54% | 18.92% |
| 3-Year CAGR | 34.47% | 43.19% | 11.26% |
| 5-Year CAGR | 23.81% | 24.53% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the Karnataka 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 Karnataka 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 Karnataka 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%.
Karnataka Bank paid Rs 5.5, 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 Karnataka Bank.
For a sector overview, read our banking sector report.
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