1. Is The Jammu & Kashmir Bank Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Jammu & Kashmir Bank Ltd is a below average quality company.
2. Is The Jammu & Kashmir Bank Ltd undervalued or overvalued?
The key valuation ratios of The Jammu & Kashmir Bank Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is The Jammu & Kashmir Bank Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of The Jammu & Kashmir Bank Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Net Interest Income (₹ Cr.)||1,838||2,316||2,684||2,651||2,710||2,512||2,871||3,384||3,707||3,771||3,911|
|YoY Gr. Rt. %||-||26%||15.9%||-1.3%||2.2%||-7.3%||14.3%||17.9%||9.5%||1.7%||-|
|YoY Gr. Rt. %||-||28.1%||8.1%||7%||-4%||-2.3%||-0.9%||19.3%||5.9%||-1.8%||-|
|Adj EPS (₹ )||16.6||21.8||2.4||10.5||8.6||-31.3||3.6||8.4||-16||6.1||5.2|
|YoY Gr. Rt. %||-||31.3%||-88.8%||329.9%||-18.2%||-464.9%||NA||129.4%||-291.3%||NA||-|
|BVPS (₹ )||84.4||100.4||11.8||126||132.5||96.7||99.5||108.1||75.7||82||84.3|
|YoY Gr. Rt. %||-||18.9%||-88.2%||967.2%||5.1%||-27%||2.9%||8.6%||-30%||8.5%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||1.5||1.6||1.6||0.7||0.5||-2||0.2||0.5||-1.1||0.4||0.4|
|To view Net NPA to Net Advances (%) Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||0.2||0.1||0.2||2.8||4.3||5.1||4.9||4.9||3.5||3||2.5|
|To view Capital Adequacy Ratio (%) Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||-||-||-||-||-||-||-||-||-||-||-|
CAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||8.3%||6.8%||9.5%||1.7%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'12||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||TTM|
|Interest Earned / Total Income||93.54||92.69||94.55||92.24||93.14||93.13||93.04||90.43||93.93||91.86||91.1|
|Margins||To view Margins Colour Rating Guide click here ⓘ|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||21.2||23.6||22.3||8.6||6.6||-28.5||3.8||8||-20||7.7||7.1|
|Liquidity Ratio||To view Liquidity Ratio Colour Rating Guide click here ⓘ|
Return on Equity has increased versus last 3 years average to 6.30%
Total Income has increased 7.46 CAGR in last 3 years
Net Profit has increased 18.52 CAGR in last 3 years
Net NPA to Net Advances has declined versus last 3 years average
Total income growth is good in last 4 quarters
No data to display
|TTM EPS (₹)||5.2||5.2|
|TTM Sales (₹ Cr.)||8,013||8,013|
|BVPS (₹.) ⓘ||84.3||84|
|Reserves (₹ Cr.) ⓘ||8,011||7,981|
|From the Market|
|52 Week Low / High (₹)||23.80 / 48.20|
|All Time Low / High (₹)||1.55 / 199.50|
|Market Cap (₹ Cr.)||2,437|
|Equity (₹ Cr.)||96.2|
|Face Value (₹)||1|
|Industry PE ⓘ||21.1|
The Jammu & Kashmir Bank Ltd. was incorporated in 1938, and is listed on the NSE and the BSE. It functions as a universal bank in the Union Territories of Jammu & Kashmir and Ladakh and as a specialised bank in the rest of the country. It is also designated as RBI’s agent for banking business, and carries out the banking business of the Union Territories of Jammu & Kashmir and Ladakh, besides collecting central taxes for CBDT. J&K Bank follows a two-legged business model whereby it seeks to increase lending in its home territory which results in higher margins despite modest volumes, and at the same time, seeks to capture niche lending opportunities on a pan-India basis to build volumes and improve margins. J&K Bank operates on the principle of 'socially empowering banking' and seeks to deliver innovative financial solutions for household, small and medium enterprises.
Business of the Bank
The Jammu & Kashmir Bank is engaged in banking Business. The Bank provides banking services, including CD's, educational loans, housing loans and car loans. The Bank also provides insurance services through a joint venture with MetLife India Insurance Company.
Products and Services of the bank
Milestones & Achievements