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Jammu and Kashmir Bank Limited J&KBANK NIFTY_SMALLNSEFINANCIAL

Financial Services · Banks - Regional · India
https://jkb.bank.in

Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, salary, pension, and NRE and NRO accounts; and term deposits. The company also provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC, smartphone, school education, modular kitchen, Sahafat, solar equipment, and two-wheeler finance services, as well as cash credit schemes, and loans against gold ornaments and jewellery. In addition, it offers commercial vehicle, school bus, passenger bus/mini bus, dastkar, craftsmen, commercial premises, contractor, mini sheep farm establishment, construction equipment, and tourism financing services; Saral financing services to small businessmen; mortgage loans for trade and service sector, loans against property, fair price shop schemes, and start-ups financing services; Karobar cards; guaranteed emergency credit lines; credit guarantee schemes for subordinate debt; asset based agri loans, fruit advances schemes, and Giri finance schemes; and mortgage loan schemes for agricultural produce traders. Further, the company provides government sponsored schemes; life and non-life insurance products; debit and credit cards; and merchant acquiring services. Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.

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₹140.36
+43.20% 1Y

Market & Price

Market Cap
₹15,456.20 Cr
Current Price
₹140.36
High / Low (52W)
₹143.88 / ₹98.02
Beta
0.49

Valuation

Stock P/E
6.55
Industry PE
19.12
Forward P/E
6.02
PEG Ratio
-
Book Value
₹149.80
Price to Book
0.94
P/S
2.27
EV/EBITDA
-
Dividend Yield
1.53%

Profitability & Returns

ROCE
-
ROE
15.37%
ROA
1.32%
Profit Margin
34.68%
Op Margin
23.30%
EPS (Latest Qtr)
₹7.25
EPS (TTM)
₹21.42

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
-
Total Assets
₹1.89 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
64.07%
Chg in Prom Hold
-
FII / Inst Holding
9.55%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
-
Total Revenue (TTM)
₹6,804.15 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-17,916.10 Cr
Shares Outstanding
₹110.12 Cr
Gross Margin
0.00%
Payout Ratio
10.04%

Growth (CAGR)

Revenue 5Y
7.98%
Profit 5Y
25.96%
Revenue (YoY)
-
Earnings (YoY)
-

PROS

  • Excellent profit margin of 34.7%.
  • Profit CAGR of 26.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 J&KBANK Jammu and Kashmir Bank Limited NIFTY_SMALLNSEFINANCIAL 140.36 6.55 ₹15,456.20 Cr 1.53% - 15.37% 7.98% 25.96%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 1,754.51 Cr1,884.92 Cr1,720.01 Cr1,772.51 Cr1,751.79 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 973.29 Cr1,017.21 Cr1,026.92 Cr1,043.24 Cr849.30 Cr
Operating Income -----
EBITDA -----
Interest Expense 1,697.20 Cr1,731.67 Cr1,802.64 Cr1,824.35 Cr1,784.00 Cr
Pretax Income 758.46 Cr809.67 Cr659.36 Cr807.20 Cr862.33 Cr
Tax Provision 226.54 Cr224.74 Cr173.36 Cr219.69 Cr63.18 Cr
Net Income 528.60 Cr581.91 Cr484.53 Cr581.49 Cr798.56 Cr
Diluted EPS 4.805.284.405.287.25

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -5,426.38 Cr5,966.00 Cr6,940.31 Cr6,832.76 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -3,649.13 Cr3,767.18 Cr3,972.13 Cr3,863.26 Cr
Operating Income -----
EBITDA -----
Interest Expense -4,609.44 Cr6,007.93 Cr6,741.26 Cr7,268.62 Cr
Pretax Income -1,786.02 Cr2,388.08 Cr2,938.68 Cr2,963.58 Cr
Tax Provision -587.45 Cr618.17 Cr852.43 Cr596.00 Cr
Net Income -1,180.52 Cr1,771.22 Cr2,081.79 Cr2,359.51 Cr
Diluted EPS 5.9612.2516.8418.91-

Compounded Sales Growth

5 Years:7.98%
1 Year:-

Compounded Profit Growth

5 Years:25.96%
1 Year:-

Stock Price Performance

1 Year:+43.20%
6 Months:+35.03%
3 Months:+31.74%
1 Month:+4.25%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -1.46 L Cr1.55 L Cr1.69 L Cr1.89 L Cr
Current Assets -----
Cash & Equivalents -15,706.12 Cr17,922.29 Cr19,188.07 Cr7,855.24 Cr
Inventory -----
Receivables 832.32 Cr911.61 Cr980.98 Cr1,115.01 Cr-
Total Liabilities -1.36 L Cr1.42 L Cr1.55 L Cr1.72 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -2,892.31 Cr2,885.00 Cr2,382.84 Cr3,431.00 Cr
Total Equity -9,896.33 Cr12,192.73 Cr14,208.31 Cr16,499.78 Cr
Shares Outstanding -103.15 Cr110.12 Cr110.12 Cr110.12 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --407.13 Cr-852.55 Cr2,723.17 Cr-1,125.67 Cr
Investing Cash Flow --123.51 Cr-257.26 Cr-102.10 Cr-302.00 Cr
Financing Cash Flow -637.59 Cr407.43 Cr-1,034.37 Cr-499.93 Cr
Capital Expenditure --123.51 Cr-185.69 Cr-102.10 Cr-469.37 Cr
Free Cash Flow --530.64 Cr-1,038.25 Cr2,621.07 Cr-1,595.04 Cr
Net Change in Cash -106.95 Cr-702.38 Cr1,586.70 Cr-1,927.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -21.8%29.7%30.0%34.5%
ROE % -11.9%14.5%14.7%14.3%
ROCE % -----

Shareholding Pattern

Insiders
64.07%
Institutions
9.55%
Public Float
26.58%

Analyst View

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