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- Indian - banking
- SOUTH IND.BANK - J&K BANK
SOUTH IND.BANK vs J&K BANK - Comparison Results
Current Valuations
| SOUTH IND.BANK | J&K BANK | SOUTH IND.BANK/ J&K BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 4.9 | 5.1 | 94.5% | View Chart |
| P/BV | x | 0.7 | 0.9 | 77.9% | View Chart |
| Dividend Yield | % | 1.3 | 2.3 | 58.8% |
Financials
 SOUTH IND.BANK  J&K BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SOUTH IND.BANK Mar-24 |
J&K BANK Mar-24 |
SOUTH IND.BANK/ J&K BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 40 | 152 | 26.3% | |
| Low | Rs | 15 | 48 | 30.4% | |
| Income per share (Unadj.) | Rs | 32.9 | 101.8 | 32.3% | |
| Earnings per share (Unadj.) | Rs | 4.1 | 16.1 | 25.4% | |
| Cash flow per share (Unadj.) | Rs | 14.2 | 51.2 | 27.7% | |
| Dividends per share (Unadj.) | Rs | 0.30 | 2.15 | 14.0% | |
| Avg Dividend yield | % | 1.1 | 2.1 | 51.1% | |
| Book value per share (Unadj.) | Rs | 33.7 | 110.7 | 30.5% | |
| Shares outstanding (eoy) | m | 2,615.93 | 1,101.18 | 237.6% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 0.8 | 1.0 | 84.5% | |
| Avg P/E ratio | x | 6.7 | 6.2 | 107.4% | |
| Avg P/CF ratio | x | 3.8 | 4.8 | 79.3% | |
| Avg Price/Bookvalue ratio | x | 0.8 | 0.9 | 89.7% | |
| Dividend payout | % | 7.3 | 13.4 | 54.9% | |
| Avg Mkt Cap | Rs m | 71,755 | 110,597 | 64.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 17,053 | 25,790 | 66.1% | |
| 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 | 86,128 | 112,132 | 76.8% | |
| Other income | Rs m | 15,145 | 8,377 | 180.8% | |
| Interest expense | Rs m | 52,808 | 60,079 | 87.9% | |
| Net interest income | Rs m | 33,321 | 52,053 | 64.0% | |
| Operating expense | Rs m | 29,788 | 37,626 | 79.2% | |
| Gross profit | Rs m | 3,533 | 14,427 | 24.5% | |
| Gross profit margin | % | 4.1 | 12.9 | 31.9% | |
| Provisions/contingencies | Rs m | 7,976 | 5,105 | 156.2% | |
| Profit before tax | Rs m | 15,289 | 23,881 | 64.0% | |
| 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 | 4,587 | 6,182 | 74.2% | |
| Profit after tax | Rs m | 10,702 | 17,712 | 60.4% | |
| Net profit margin | % | 12.4 | 15.8 | 78.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 780,606 | 937,566 | 83.3% | |
| Deposits | Rs m | 1,019,191 | 1,347,632 | 75.6% | |
| Credit/Deposit ratio | x | 76.6 | 69.6 | 110.1% | |
| Yield on advances | % | 8.8 | 9.2 | 96.1% | |
| Cost of deposits | % | 4.8 | 4.2 | 114.3% | |
| Net Interest Margin | % | 3.3 | 4.0 | 80.7% | |
| Net fixed assets | Rs m | 8,211 | 22,083 | 37.2% | |
| Share capital | Rs m | 2,616 | 1,101 | 237.5% | |
| Free reserves | Rs m | 85,621 | 120,826 | 70.9% | |
| Net worth | Rs m | 88,237 | 121,927 | 72.4% | |
| Borrowings | Rs m | 39,121 | 28,850 | 135.6% | |
| Investments | Rs m | 239,765 | 349,002 | 68.7% | |
| Total assets | Rs m | 1,174,125 | 1,545,046 | 76.0% | |
| Debt/equity ratio | x | 12.0 | 11.3 | 106.2% | |
| Return on assets | % | 0.9 | 1.1 | 79.5% | |
| Return on equity | % | 12.1 | 14.5 | 83.5% | |
| Capital adequacy ratio | % | 19.9 | 15.4 | 129.1% | |
| Net NPAs | % | 1.5 | 0.8 | 184.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 70,752 | -8,526 | -829.9% | |
| From Investments | Rs m | -19,859 | -2,573 | 771.9% | |
| From Financial Activity | Rs m | -21,476 | 4,074 | -527.1% | |
| Net Cashflow | Rs m | 29,417 | -7,024 | -418.8% | |
Share Holding
| Indian Promoters | % | 0.0 | 59.4 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 16.7 | 12.9 | 130.0% | |
| FIIs | % | 11.5 | 6.5 | 177.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 100.0 | 40.6 | 246.3% | |
| Shareholders | 1,247,471 | 278,050 | 448.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SOUTH IND.BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on South Ind.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:
South Ind.Bank vs J&K Bank Share Price Performance
| Period | South Ind.Bank | J&K Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.09% | 0.26% | 1.61% |
| 1-Month | -5.39% | 3.84% | -0.07% |
| 1-Year | -8.62% | -14.22% | 18.92% |
| 3-Year CAGR | 36.30% | 34.47% | 11.26% |
| 5-Year CAGR | 15.26% | 23.81% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the South Ind.Bank share price and the J&K Bank share price.
Moving on to shareholding structures...
The promoters of South Ind.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 South Ind.Bank and the shareholding pattern of J&K Bank.
Finally, a word on dividends...
In the most recent financial year, South Ind.Bank paid a dividend of Rs 0.3 per share. This amounted to a Dividend Payout ratio of 7.3%.
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 South Ind.Bank, and the dividend history of J&K Bank.
For a sector overview, read our banking sector report.
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