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- KARNATAKA BANK - J&K BANK
KARNATAKA BANK vs J&K BANK - Comparison Results
Current Valuations
| KARNATAKA BANK | J&K BANK | KARNATAKA BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 5.9 | 5.3 | 111.1% | View Chart |
| P/BV | x | 0.7 | 0.9 | 82.5% | View Chart |
| Dividend Yield | % | 2.6 | 2.2 | 119.5% |
Financials
 KARNATAKA BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| KARNATAKA BANK Mar-24 |
J&K BANK Mar-24 |
KARNATAKA BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 286 | 152 | 187.8% | |
| Low | Rs | 127 | 48 | 262.5% | |
| Income per share (Unadj.) | Rs | 220.0 | 101.8 | 216.0% | |
| Earnings per share (Unadj.) | Rs | 34.6 | 16.1 | 215.3% | |
| Cash flow per share (Unadj.) | Rs | 83.8 | 51.2 | 163.5% | |
| Dividends per share (Unadj.) | Rs | 5.50 | 2.15 | 255.8% | |
| Avg Dividend yield | % | 2.7 | 2.1 | 124.3% | |
| Book value per share (Unadj.) | Rs | 287.5 | 110.7 | 259.7% | |
| Shares outstanding (eoy) | m | 377.25 | 1,101.18 | 34.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.9 | 1.0 | 95.3% | |
| Avg P/E ratio | x | 6.0 | 6.2 | 95.6% | |
| Avg P/CF ratio | x | 3.6 | 4.8 | 74.4% | |
| Avg Price/Bookvalue ratio | x | 0.7 | 0.9 | 79.3% | |
| Dividend payout | % | 15.9 | 13.4 | 118.8% | |
| Avg Mkt Cap | Rs m | 77,987 | 110,597 | 70.5% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 13,818 | 25,790 | 53.6% | |
| 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 | 82,985 | 112,132 | 74.0% | |
| Other income | Rs m | 13,190 | 8,377 | 157.5% | |
| Interest expense | Rs m | 49,998 | 60,079 | 83.2% | |
| Net interest income | Rs m | 32,987 | 52,053 | 63.4% | |
| Operating expense | Rs m | 24,542 | 37,626 | 65.2% | |
| Gross profit | Rs m | 8,446 | 14,427 | 58.5% | |
| Gross profit margin | % | 10.2 | 12.9 | 79.1% | |
| Provisions/contingencies | Rs m | 8,569 | 5,105 | 167.9% | |
| Profit before tax | Rs m | 15,631 | 23,881 | 65.5% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 13 | 0.0% | |
| Tax | Rs m | 2,565 | 6,182 | 41.5% | |
| Profit after tax | Rs m | 13,066 | 17,712 | 73.8% | |
| Net profit margin | % | 15.7 | 15.8 | 99.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 715,086 | 937,566 | 76.3% | |
| Deposits | Rs m | 980,572 | 1,347,632 | 72.8% | |
| Credit/Deposit ratio | x | 72.9 | 69.6 | 104.8% | |
| Yield on advances | % | 9.1 | 9.2 | 99.4% | |
| Cost of deposits | % | 4.9 | 4.2 | 115.5% | |
| Net Interest Margin | % | 3.4 | 4.0 | 85.1% | |
| Net fixed assets | Rs m | 9,148 | 22,083 | 41.4% | |
| Share capital | Rs m | 3,773 | 1,101 | 342.5% | |
| Free reserves | Rs m | 104,693 | 120,826 | 86.6% | |
| Net worth | Rs m | 108,466 | 121,927 | 89.0% | |
| Borrowings | Rs m | 43,995 | 28,850 | 152.5% | |
| Investments | Rs m | 243,003 | 349,002 | 69.6% | |
| Total assets | Rs m | 1,160,833 | 1,545,046 | 75.1% | |
| Debt/equity ratio | x | 9.4 | 11.3 | 83.7% | |
| Return on assets | % | 1.1 | 1.1 | 98.2% | |
| Return on equity | % | 12.0 | 14.5 | 82.9% | |
| Capital adequacy ratio | % | 18.0 | 15.4 | 116.7% | |
| Net NPAs | % | 1.6 | 0.8 | 200.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 3,622 | -8,526 | -42.5% | |
| From Investments | Rs m | -1,112 | -2,573 | 43.2% | |
| From Financial Activity | Rs m | 15,823 | 4,074 | 388.4% | |
| Net Cashflow | Rs m | 18,333 | -7,024 | -261.0% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 32.3 | 12.9 | 251.5% | |
| FIIs | % | 10.3 | 6.5 | 159.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 356,774 | 278,050 | 128.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare KARNATAKA BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Karnataka 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:
Karnataka Bank vs J&K Bank Share Price Performance
| Period | Karnataka Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.61% | 0.26% | 0.47% |
| 1-Month | 3.71% | 0.41% | 2.27% |
| 1-Year | -1.88% | -11.90% | 20.63% |
| 3-Year CAGR | 48.27% | 39.09% | 13.23% |
| 5-Year CAGR | 25.26% | 25.25% | 10.58% |
* Compound Annual Growth Rate
Here are more details on the Karnataka Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of Karnataka Bank hold a 0.0% 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 Karnataka Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, Karnataka Bank paid a dividend of Rs 5.5 per share. This amounted to a Dividend Payout ratio of 15.9%.
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 Karnataka Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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