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- Indian - banking
- J&K BANK - SBI
J&K BANK vs SBI - Comparison Results
Current Valuations
| J&K BANK | SBI | J&K BANK/ SBI |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.2 | 9.8 | 53.0% | View Chart |
| P/BV | x | 0.9 | 1.7 | 50.3% | View Chart |
| Dividend Yield | % | 2.2 | 1.7 | 131.1% |
Financials
 J&K BANK  SBI |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| J&K BANK Mar-24 |
SBI Mar-24 |
J&K BANK/ SBI |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 152 | 794 | 19.2% | |
| Low | Rs | 48 | 519 | 9.3% | |
| Income per share (Unadj.) | Rs | 101.8 | 492.1 | 20.7% | |
| Earnings per share (Unadj.) | Rs | 16.1 | 75.2 | 21.4% | |
| Cash flow per share (Unadj.) | Rs | 51.2 | 330.8 | 15.5% | |
| Dividends per share (Unadj.) | Rs | 2.15 | 13.70 | 15.7% | |
| Avg Dividend yield | % | 2.1 | 2.1 | 102.5% | |
| Book value per share (Unadj.) | Rs | 110.7 | 464.9 | 23.8% | |
| Shares outstanding (eoy) | m | 1,101.18 | 8,924.61 | 12.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.0 | 1.3 | 74.0% | |
| Avg P/E ratio | x | 6.2 | 8.7 | 71.5% | |
| Avg P/CF ratio | x | 4.8 | 6.0 | 81.0% | |
| Avg Price/Bookvalue ratio | x | 0.9 | 1.4 | 64.3% | |
| Dividend payout | % | 13.4 | 18.2 | 73.3% | |
| Avg Mkt Cap | Rs m | 110,597 | 5,856,777 | 1.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 25,790 | 836,712 | 3.1% | |
| 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 | 4,391,885 | 2.6% | |
| Other income | Rs m | 8,377 | 1,553,864 | 0.5% | |
| Interest expense | Rs m | 60,079 | 2,597,360 | 2.3% | |
| Net interest income | Rs m | 52,053 | 1,794,525 | 2.9% | |
| Operating expense | Rs m | 37,626 | 2,358,938 | 1.6% | |
| Gross profit | Rs m | 14,427 | -564,414 | -2.6% | |
| Gross profit margin | % | 12.9 | -12.9 | -100.1% | |
| Provisions/contingencies | Rs m | 5,105 | 308,068 | 1.7% | |
| Profit before tax | Rs m | 23,881 | 912,302 | 2.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -24,587 | -0.0% | |
| Prior Period Items | Rs m | 13 | 14,052 | 0.1% | |
| Tax | Rs m | 6,182 | 230,920 | 2.7% | |
| Profit after tax | Rs m | 17,712 | 670,847 | 2.6% | |
| Net profit margin | % | 15.8 | 15.3 | 103.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 937,566 | 37,842,727 | 2.5% | |
| Deposits | Rs m | 1,347,632 | 49,665,375 | 2.7% | |
| Credit/Deposit ratio | x | 69.6 | 76.2 | 91.3% | |
| Yield on advances | % | 9.2 | 7.9 | 116.9% | |
| Cost of deposits | % | 4.2 | 4.5 | 93.8% | |
| Net Interest Margin | % | 4.0 | 3.0 | 132.9% | |
| Net fixed assets | Rs m | 22,083 | 441,373 | 5.0% | |
| Share capital | Rs m | 1,101 | 8,925 | 12.3% | |
| Free reserves | Rs m | 120,826 | 4,140,467 | 2.9% | |
| Net worth | Rs m | 121,927 | 4,149,392 | 2.9% | |
| Borrowings | Rs m | 28,850 | 6,396,095 | 0.5% | |
| Investments | Rs m | 349,002 | 21,105,482 | 1.7% | |
| Total assets | Rs m | 1,545,046 | 67,337,788 | 2.3% | |
| Debt/equity ratio | x | 11.3 | 13.5 | 83.6% | |
| Return on assets | % | 1.1 | 1.0 | 115.1% | |
| Return on equity | % | 14.5 | 16.2 | 89.9% | |
| Capital adequacy ratio | % | 15.4 | 14.3 | 108.0% | |
| Net NPAs | % | 0.8 | 0.6 | 138.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -8,526 | 216,324 | -3.9% | |
| From Investments | Rs m | -2,573 | -42,517 | 6.1% | |
| From Financial Activity | Rs m | 4,074 | -98,963 | -4.1% | |
| Net Cashflow | Rs m | -7,024 | 82,604 | -8.5% | |
Share Holding
| Indian Promoters | % | 59.4 | 57.5 | 103.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 12.9 | 34.8 | 36.9% | |
| FIIs | % | 6.5 | 10.7 | 60.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 40.6 | 42.5 | 95.6% | |
| Shareholders | 278,050 | 3,791,512 | 7.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare J&K BANK With: HDFC BANK AXIS BANK ICICI BANK KOTAK MAHINDRA BANK INDUSIND BANK
More on J&K Bank vs SBI
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 SBI Share Price Performance
| Period | J&K Bank | SBI | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 2.95% | -1.44% | 0.39% |
| 1-Month | 1.37% | -1.49% | -2.52% |
| 1-Year | -15.23% | 42.27% | 17.19% |
| 3-Year CAGR | 35.08% | 18.14% | 10.82% |
| 5-Year CAGR | 23.33% | 19.41% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the J&K Bank share price and the SBI share price.
Moving on to shareholding structures...
The promoters of J&K Bank hold a 59.4% stake in the company. In case of SBI the stake stands at 57.5%.
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 SBI.
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%.
SBI paid Rs 13.7, and its dividend payout ratio stood at 18.2%.
You may visit here to review the dividend history of J&K Bank, and the dividend history of SBI.
For a sector overview, read our banking sector report.
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