Jammu and Kashmir Bank Ltd
₹142.25▼ -2.57%28 Sept
📡AI Radar
Market Data
Market Cap₹15,664.32 Cr.
52W High₹202
Current Price₹142.25
52W Low₹97.4
Down from 52W High29.6 %
Face Value₹1
Performance
ROCE52.38 %
ROE13.96 %
EPS (TTM)₹3.89
EPS Prev Qtr₹7.25
EPS Last Year₹4.49
EBITDA Qtr₹704.83 Cr.
Book Value₹150
Financial Health
Debt/Equity0.21
Debt/Profit1.49
Total Assets₹1,88,959.77 Cr.
Promoter Holding59.4 %
Earning Power1.6 %
Valuation
Stock P/E6.8
Industry P/E10.31
Price to Book0.95
Price to Sales1.17
Graham Number₹265.42
Key Metrics
Book Value
₹141.46
Branches
1,008
Capital Adequacy % (Basel III)
16.54%
CASA %
42.06%
__derived
1
Employees
11,747
Face Value
₹1
Gross NPA %
2.37%
Net NPA %
0.6%
NIM %
3.28%
Provision Coverage %
90.53%
ROA % (annualised)
0.87%
Total Advances
₹1,28,183 Cr
Total Deposits
₹1,73,404 Cr
About Jammu and Kashmir Bank Ltd
Financial Services · Banks
Jammu and Kashmir Bank Ltd is listed on NSE in the Financial Services / Banks sector. Face value ₹1. Market cap ₹15,664.32 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Capital Adequacy Ratio of 16.54% exceeds regulatory requirements, indicating strong capital position.
- CASA ratio at 42.06% provides stable and low-cost funding base.
- Gross NPA at 2.37% and Net NPA at 0.6% reflect healthy asset quality.
- Provision Coverage Ratio of 90.53% shows robust provisioning against potential defaults.
- Net Interest Margin (NIM) of 3.28% demonstrates effective interest income management.
- Return on Capital Employed (ROCE) of 52.38% highlights efficient use of capital.
- Return on Equity (ROE) of 13.98% indicates favorable return generation for shareholders.
Weaknesses
- Return on Assets (ROA) at 0.87% is relatively low, suggesting potential inefficiency in asset utilization.
- Book Value per share at ₹141.46 is lower than market price, indicating valuation concerns.
- P/E ratio of 6.92 is low, which might reflect market concerns about future earnings growth.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Bank Ltd | - | 13.99 | ₹11,07,124.43 Cr | 2.16% | ₹82,511.72 Cr | - | ₹3,51,818.61 Cr | - | 25.02% | 1 |
| ICICI Bank Ltd | - | 16.6 | ₹9,33,466.75 Cr | 0.92% | ₹59,489.34 Cr | - | ₹1,98,379.35 Cr | - | 28.81% | 0.61 |
| State Bank of India | - | 10.31 | ₹8,87,893.11 Cr | 1.8% | ₹88,120.87 Cr | - | ₹5,25,747.06 Cr | - | 31.79% | 1.3 |
| Kotak Mahindra Bank Ltd | - | 6.91 | ₹3,99,857.71 Cr | 0.16% | ₹20,238.55 Cr | - | ₹70,887.47 Cr | - | 20.7% | 0.53 |
| Axis Bank Ltd | - | 13.54 | ₹3,76,715.23 Cr | 0.08% | ₹27,890.16 Cr | - | ₹1,35,731.89 Cr | - | 22.33% | 1.31 |
| Union Bank of India | - | 6.35 | ₹1,31,145.34 Cr | 2.91% | ₹20,012.21 Cr | - | ₹1,07,127.36 Cr | - | 44.93% | 0.58 |
| Punjab National Bank | - | 5.87 | ₹1,29,295.61 Cr | 2.67% | ₹20,602.7 Cr | - | ₹1,31,788.93 Cr | - | 45.06% | 0.72 |
| Bank of Baroda | - | 6.49 | ₹1,17,855.34 Cr | 3.73% | ₹17,697.87 Cr | - | ₹1,36,546.33 Cr | - | 31.19% | 1.03 |
| Canara Bank | - | 5.52 | ₹1,09,664.17 Cr | 3.47% | ₹18,979.1 Cr | - | ₹1,27,805.38 Cr | - | 42.06% | 1.32 |
| Indian Bank | - | 8.47 | ₹1,08,282.43 Cr | 2.27% | ₹12,541.37 Cr | - | ₹69,314.13 Cr | - | 45.78% | 0.58 |
| IDBI Bank Ltd | - | 9.73 | ₹90,750.27 Cr | - | ₹9,318.15 Cr | - | ₹29,542.24 Cr | - | 28.56% | 0.41 |
| Federal Bank Ltd | - | 17.05 | ₹80,026.16 Cr | 0.37% | ₹4,834.22 Cr | - | ₹30,384.84 Cr | - | 33.62% | 0.86 |
| AU Small Finance Bank Ltd | - | 26.11 | ₹74,747.4 Cr | 0.1% | ₹2,856.35 Cr | - | ₹19,560.64 Cr | - | 149.65% | 3.56 |
| IndusInd Bank Ltd | - | 53.5 | ₹70,733.57 Cr | 0.17% | ₹1,322.16 Cr | - | ₹45,296.87 Cr | - | 26.82% | 0.65 |
| IDFC First Bank Ltd | - | 31 | ₹69,426.16 Cr | 0.31% | ₹2,304.91 Cr | - | ₹41,957.76 Cr | - | 26.68% | 0.77 |
| Yes Bank Ltd | - | 17.82 | ₹66,539.94 Cr | - | ₹3,775.15 Cr | - | ₹30,658.32 Cr | - | 21.74% | 1.28 |
| RBL Bank Ltd | - | 29.1 | ₹62,809.51 Cr | 0.25% | ₹899.06 Cr | - | ₹14,735.81 Cr | - | 27.86% | 1 |
| Bank of Maharashtra | - | 8.24 | ₹62,109.31 Cr | 2.72% | ₹7,448.08 Cr | - | ₹30,262.41 Cr | - | 35.86% | 1.06 |
| Indian Overseas Bank | - | 10.36 | ₹61,062.65 Cr | - | ₹5,757.71 Cr | - | ₹33,289.81 Cr | - | 29.78% | 1.4 |
| Bank of India | - | 5.04 | ₹59,389.55 Cr | 3.56% | ₹11,463.77 Cr | - | ₹77,243.58 Cr | - | 31.76% | 1.32 |
Quarterly Results
📊 Jun 2026: Revenue grew 8.5% YoY, Profit fell 12.5% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 3,269.45 | 3,293 | 3,314.94 | 3,273.34 | 3,547.48 |
| ↳ QoQ Growth | - | +0.7% | +0.7% | -1.3% | +8.4% |
| Expenses | 2,863.29 | 2,815.58 | 2,788.12 | 2,673.46 | 3,144.16 |
| Operating Profit | 674.45 | 623.75 | 781.39 | 912.59 | 704.83 |
| OPM % | 20.63% | 18.94% | 23.57% | 27.88% | 19.87% |
| Other Income | 253.2 | 157.26 | 280.38 | 262.45 | 217.48 |
| Interest | 1,802.64 | 1,857.63 | 1,824.35 | 1,784 | 2,048.7 |
| Depreciation | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| EBITDA Margin % | - | - | - | - | - |
| Profit Before Tax | 659.36 | 634.68 | 807.2 | 862.33 | 620.8 |
| Tax % | 26.29% | 22.02% | 27.22% | 7.33% | 31.49% |
| Net Profit | 486 | 494.91 | 587.51 | 799.15 | 425.32 |
| ↳ QoQ Growth | - | +1.8% | +18.7% | +36.0% | -46.8% |
| EPS | 4.4 | 4.49 | 5.28 | 7.25 | 3.89 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 13150.73 | 13428.76 |
| Expenses | 11140.45 | 11421.32 |
| Operating Profit | 2992.18 | 3022.56 |
| OPM % | 22.75% | 22.51% |
| Other Income | 953.29 | 917.57 |
| Interest | 7268.62 | 7514.68 |
| Depreciation | - | - |
| Profit Before Tax | 2963.57 | 2925.01 |
| Tax % | 20.11% | 21.13% |
| Net Profit | 2367.57 | 2306.89 |
| EPS | 21.42 | 20.91 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
41.58%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
13.98%
Balance Sheet
| Mar 2025 | Mar 2026 | Mar 2027 | |
|---|---|---|---|
| Equity Capital | 110.1326 | 110.1326 | 110.13 |
| Reserves | 14098.178 | 16389.65 | 16893.31 |
| Borrowings | 2382.8442 | 3431 | 4381 |
| Other Liabilities | 152832.38 | 169028.98 | 177215.03 |
| Total Liabilities | 169423.53 | 188959.77 | 198599.47 |
| Fixed Assets | 2126.2886 | 2444.8386 | 2514.36 |
| CWIP | 65.5509 | 88.1174 | - |
| Investments | 41121.707 | 40520.363 | 42951.83 |
| Other Assets | 126109.99 | 145906.44 | 153133.28 |
| Total Assets | 169423.53 | 188959.77 | 198599.47 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | 2723.1453 | -1125.6816 |
| Cash from Investing Activity | -102.0995 | -302.2887 |
| Cash from Financing Activity | -1034.379 | -499.9326 |
| Net Cash Flow | 1586.6667 | -1927.903 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 5149.37 |
| ROCE % | 1.61% |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 59.4% | 59.4% | 59.4% | 59.4% |
| FIIs % | 7.85% | 8.14% | 8.34% | 9.38% |
| DIIs % | 5.76% | 5.83% | 6% | 7.84% |
| Public % | 21.39% | 21.27% | 20.27% | 17.71% |
| No. of Shareholders | 2,61,978 | 2,54,219 | 2,40,539 | 2,19,636 |
Major Shareholders (>1%)
- Chief Secretary Jammu And Kashmir GovtPromoter and Promoter Group51.89%
- Kotak Mahindra Trustee Co Ltd A/c Kotak Special Opportunities FundPublic Shareholding4.53%
- Finance Secretary Ut LadakhPromoter and Promoter Group4.16%
- Secretary Finance Deptt Jammu And Kashmir GovtPromoter and Promoter Group3.35%
As of 2026-06-30View all shareholders →