J%26KBANK
The Jammu & Kashmir Bank Limited
Banking · NSE
Valuation Gauge
Current Price
—
Fair Value
₹168
Fair Value Analysis
₹168
Based on balance sheet strength analysis and book value multiple and dividend growth model for Banking sector companies
Balance Sheet Value
25% weight
P/B Multiple
35% weight
Dividend Growth Model
40% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 14.6% is acceptable for Banking sector (benchmark: 15%)
Debt & Leverage
Debt data unavailable — scored neutral
Valuation vs Peers
P/E of 5.8x trades at a 61% discount to Banking sector median (15x) — attractively valued
Cash Flow
Positive operating cash flow of ₹2,621 Cr — healthy for Banking sector
Earnings Growth
5yr EPS CAGR of 61.4% is well above the Banking sector average of 23.2% — strong growth
Dividend
Dividend yield of 1.9% provides strong shareholder returns (benchmark: 1.5%)
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
Profit Growth (YoY)
+9.8%
Year-on-year PAT change
Operating Cash Flow
₹2.7K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹19.5
P/E Ratio
5.8x
P/B Ratio
0.8x
ROE
14.6%
ROCE
—
Debt / Equity
—
Beta
0.41
Div Yield
1.9%
FCF (Cr)
₹2,621 Cr
Revenue (Cr)
₹7,036 Cr
EPS Growth 5Y
61.4%
Mkt Cap (Cr)
₹12,505 Cr
52W High
₹128.5
52W Low
₹87.3
Book Value/Share
₹135.7
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | — | — | — | ₹2.1K Cr | ₹19.45 |
| 2025-03-31 | — | — | — | ₹2.1K Cr | ₹18.91 |
| 2024-03-31 | — | — | — | ₹1.8K Cr | ₹16.08 |
| 2023-03-31 | — | — | — | ₹1.2K Cr | ₹11.44 |
| 2022-03-31 | — | — | — | ₹495 Cr | ₹5.30 |
| 2021-03-31 | — | — | — | ₹428 Cr | ₹6.01 |
| 2020-03-31 | — | — | — | ₹-1.2K Cr | ₹-16.59 |
| 2019-03-31 | — | — | — | ₹464 Cr | ₹8.33 |
| 2018-03-31 | — | — | — | ₹203 Cr | ₹3.64 |
| 2017-03-31 | — | — | — | ₹-1.6K Cr | ₹-31.32 |
| 2016-03-31 | — | — | — | ₹414 Cr | ₹8.54 |
| 2015-03-31 | — | — | — | ₹508 Cr | ₹10.49 |
| 2014-03-31 | — | — | — | ₹1.2K Cr | ₹24.36 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Banking| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Dhanlaxmi Bank Limited | ₹23.5 | ₹38.8 | +39.4% | 9.3 | 7.0% | UNDERVALUED |
Canara Bank | ₹131 | ₹204.4 | +35.9% | 5.7 | 18.2% | UNDERVALUED |
Central Bank of India | ₹34 | ₹51.3 | +33.9% | 6.1 | 13.2% | UNDERVALUED |
Bank of Maharashtra | ₹66.5 | ₹99.1 | +32.9% | 7.6 | 21.2% | UNDERVALUED |
IDBI Bank Limited | ₹70.1 | ₹98.8 | +29.0% | 8 | 14.7% | UNDERVALUED |
Suryoday Small Finance Bank Limited | ₹132.7 | ₹176.2 | +24.7% | 19.5 | 3.4% | UNDERVALUED |
Bank of Baroda | ₹260.5 | ₹344.4 | +24.4% | 6.6 | 12.8% | UNDERVALUED |
Bank of India | ₹143.2 | ₹186.5 | +23.2% | 6.5 | 12.1% | UNDERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
Company Documents
Annual reports, concall transcripts & regulatory filings
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