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Jammu and Kashmir Bank Limited J&KBANK NIFTY_SMALLNSEFINANCIAL

Financial Services · Banks - Regional · India
https://jkb.bank.in
Company Profile ↓
₹135.08
+31.58% 1Y
Mkt Cap₹14,874.77 Cr
P/E6.46
P/B0.90
52W High₹192.65
52W Low₹98.09
Book Value₹154.25
EPS (TTM)₹20.91

Company Overview

Jammu and Kashmir Bank Limited provide 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, lodge, and non-life insurance products; debit and credit cards; NRI products; and merchant acquiring services. Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 26.0% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 6.5, below the sector median of 15.2.

Healthy Margins

Maintains a net profit margin of 34.2%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.21.

Recent Developments

  • Mar 2026 Revenue of ₹6,832.76 Cr (-1.5% YoY); net profit ₹2,359.51 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -4.3%, earnings -11.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 8.0%, profit CAGR 26.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:7.98%
1 Year:-4.30%

Compounded Profit Growth

5 Years:25.96%
1 Year:-11.60%

Stock Price Performance

1 Year:+31.58%
6 Months:+5.10%
3 Months:-21.72%
1 Month:-7.44%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 39% of range
₹98.09 ₹192.65
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)38.60 · Neutral
Price Performance
1M-7.44%
3M-21.72%
6M+5.10%
1Y+31.58%
Valuation vs Sector

P/E of 6.46 is below the sector median of 15.25 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.2%.
  • Profit CAGR of 26.0% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading 29.9% below its 52-week high.

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

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Valuation

Stock P/E
6.46
Industry PE
15.25
Forward P/E
5.36
PEG Ratio
-
Book Value
₹154.25
Price to Book
0.90
P/S
2.26
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
7.98%
Profit 5Y
25.96%
Revenue (YoY)
-4.30%
Earnings (YoY)
-11.60%

Profitability & Returns

ROCE
-
ROE
14.61%
ROA
1.25%
Profit Margin
34.22%
Op Margin
38.03%
Gross Margin
0.00%
EPS (Latest Qtr)
₹3.89
EPS (TTM)
₹20.91

Balance Sheet & Liquidity

Debt/Equity
0.21
Quick Ratio
-
Current Ratio
-
Debt
₹4,381.00 Cr
Total Assets
₹1.99 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
64.32%
Chg in Prom Hold
0.25%
FII / Inst Holding
11.05%
Chg in FII Hold
-1.02%

Financial Snapshot

Enterprise Value
₹14,874.77 Cr
Total Revenue (TTM)
₹6,732.97 Cr
EBITDA
-
Free Cash Flow
₹-1,595.04 Cr
Operating Cash Flow
₹-1,125.67 Cr
Shares Outstanding
₹110.12 Cr
Gross Margin
0.00%
Payout Ratio
10.29%

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 135.08 6.46 ₹14,874.77 Cr 0.00% - 14.61% 7.98% 25.96%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue 2,512.00 Cr2,657.00 Cr2,764.00 Cr2,881.00 Cr2,910.00 Cr2,994.00 Cr3,124.00 Cr1,754.51 Cr1,884.92 Cr1,718.50 Cr3,293.00 Cr1,772.51 Cr1,751.79 Cr1,716.26 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 793.00 Cr1,062.00 Cr982.00 Cr906.00 Cr705.00 Cr954.00 Cr980.00 Cr973.29 Cr1,017.21 Cr1,025.41 Cr958.00 Cr1,043.24 Cr849.30 Cr1,064.85 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 1,262.00 Cr1,374.00 Cr1,430.00 Cr1,600.00 Cr1,604.00 Cr1,625.00 Cr1,687.00 Cr1,697.20 Cr1,731.67 Cr1,802.64 Cr1,858.00 Cr1,824.35 Cr1,784.00 Cr2,048.70 Cr
Pretax Income 625.00 Cr452.00 Cr545.00 Cr561.00 Cr830.00 Cr614.00 Cr757.00 Cr758.46 Cr809.67 Cr659.36 Cr635.00 Cr807.20 Cr862.33 Cr620.80 Cr
Tax Provision 150.00 Cr126.56 Cr163.50 Cr140.25 Cr190.90 Cr196.48 Cr204.39 Cr226.54 Cr224.74 Cr173.36 Cr139.70 Cr219.69 Cr63.18 Cr195.48 Cr
Net Income 473.00 Cr331.00 Cr384.00 Cr423.00 Cr633.00 Cr418.00 Cr553.00 Cr528.60 Cr581.91 Cr484.53 Cr495.00 Cr581.49 Cr798.56 Cr428.80 Cr
Diluted EPS 4.583.213.723.845.753.805.024.805.284.404.495.287.253.89

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 7,061.00 Cr6,844.00 Cr6,686.00 Cr6,621.00 Cr7,676.00 Cr8,446.00 Cr8,111.00 Cr-5,426.38 Cr5,966.00 Cr6,940.31 Cr6,832.76 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 2,336.00 Cr2,466.00 Cr4,431.00 Cr3,154.00 Cr3,439.00 Cr5,234.00 Cr3,802.00 Cr-3,649.13 Cr3,767.18 Cr3,972.13 Cr3,863.26 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 4,409.00 Cr4,132.00 Cr4,173.00 Cr3,750.00 Cr4,291.00 Cr4,739.00 Cr4,340.00 Cr-4,609.44 Cr6,007.93 Cr6,741.26 Cr7,268.62 Cr
Pretax Income 820.00 Cr689.00 Cr-1,507.00 Cr121.00 Cr659.00 Cr-1,144.00 Cr537.00 Cr-1,786.02 Cr2,388.08 Cr2,938.68 Cr2,963.58 Cr
Tax Provision 311.60 Cr275.60 Cr-120.56 Cr-82.28 Cr197.70 Cr-34.32 Cr102.03 Cr-587.45 Cr618.17 Cr852.43 Cr596.00 Cr
Net Income 508.00 Cr414.00 Cr-1,633.00 Cr203.00 Cr464.00 Cr-1,183.00 Cr428.00 Cr-1,180.52 Cr1,771.22 Cr2,081.79 Cr2,359.51 Cr
Diluted EPS 10.498.54-31.323.648.33-16.596.01-12.2516.8418.9121.42

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 75,910.00 Cr80,254.00 Cr82,012.00 Cr89,684.00 Cr1.01 L Cr1.09 L Cr1.20 L Cr-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 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 6,108.00 Cr6,420.00 Cr5,673.00 Cr6,158.00 Cr6,622.00 Cr6,345.00 Cr6,802.00 Cr-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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 118.00 Cr-219.00 Cr2,457.00 Cr2,363.00 Cr-2,992.00 Cr4,374.00 Cr-14.00 Cr--407.13 Cr-852.55 Cr2,723.17 Cr-1,125.67 Cr
Investing Cash Flow -261.00 Cr-136.00 Cr-861.00 Cr-164.00 Cr-165.00 Cr-115.00 Cr-76.00 Cr--123.51 Cr-257.26 Cr-102.10 Cr-302.00 Cr
Financing Cash Flow -338.00 Cr-176.00 Cr593.00 Cr668.00 Cr769.00 Cr-339.00 Cr-199.00 Cr-637.59 Cr407.43 Cr-1,034.37 Cr-499.93 Cr
Capital Expenditure -249.00 Cr-136.00 Cr-861.00 Cr-164.00 Cr-164.00 Cr-115.00 Cr-76.00 Cr--123.51 Cr-185.69 Cr-102.10 Cr-469.37 Cr
Free Cash Flow -131.00 Cr-355.00 Cr1,596.00 Cr2,199.00 Cr-3,156.00 Cr4,259.00 Cr-90.00 Cr--530.64 Cr-1,038.25 Cr2,621.07 Cr-1,595.04 Cr
Net Change in Cash -480.00 Cr-531.00 Cr2,189.00 Cr2,867.00 Cr-2,388.00 Cr3,920.00 Cr-289.00 Cr-106.95 Cr-702.38 Cr1,586.70 Cr-1,927.60 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 7.2%6.0%-24.4%3.1%6.0%-14.0%5.3%-21.8%29.7%30.0%34.5%
ROE % 8.3%6.4%-28.8%3.3%7.0%-18.6%6.3%-11.9%14.5%14.7%14.3%
ROCE % ------------

Shareholding Pattern

Insiders
64.32%
Institutions
11.05%
Public Float
30.98%

Analyst View

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Latest News

Recent headlines for J&KBANK

Google News Fri, 23 Oct 2026

J&K Bank Shares Sink 8% Despite Q2 Profit Growth As ECL Concerns Linger - NDTV Profit

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J&K Bank share price sees biggest single-day fall in over two years after Q2 results - CNBC TV18

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Google News hu, 02 Jul 2026

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J&KBANK — Frequently Asked Questions

What is the current share price of Jammu and Kashmir Bank Limited (J&KBANK)?

As of 2026-10-24 04:55 IST, Jammu and Kashmir Bank Limited (J&KBANK) trades at ₹135.08 on NSE. Its 52-week range is ₹98.09 to ₹192.65.

What is the market capitalisation of J&KBANK?

Jammu and Kashmir Bank Limited (J&KBANK) has a market capitalisation of ₹14,874.77 Cr on NSE.

What is the P/E ratio of J&KBANK?

J&KBANK trades at a trailing price-to-earnings (P/E) ratio of 6.46. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 0.90.

What is the return on equity (ROE) of J&KBANK?

J&KBANK has a return on equity (ROE) of 14.61%.

Is J&KBANK a good stock to buy?

This page provides a data-driven analysis of Jammu and Kashmir Bank Limited (J&KBANK), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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