No price history available.
Key financial summary
Financials in INR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | 2027E | ||
|---|---|---|---|---|---|---|---|---|---|---|
| Total revenue | INRm | 88,172 | 88,123 | 87,664 | 100,358 | 119,739 | 137,773 | 141,074 | N/A | N/A |
| Operating profit | INRm | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net profit | INRm | -11,834 | 4,284 | 4,949 | 11,805 | 17,712 | 20,818 | 23,595 | N/A | N/A |
| EPS reported | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Operating cashflow per share | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Capex per share | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| FCF per share | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Free cash flow | INRm | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net debt | INRm | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Book value equity | INRm | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Book value per share | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Number of shares | m | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| DPS (TTM paid) | INR | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
Financial summary
Financials in INR| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | TTM | 2027E | ||
|---|---|---|---|---|---|---|---|---|---|---|
| Value | ||||||||||
| P/E LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| P/B LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| P/S LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| P/FCF LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| EV/EBITDA LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| EV/Sales LTM | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Earnings Yield LTM | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| FCF Yield | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Quality | ||||||||||
| ROE | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| ROIC | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Operating margin | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Gross margin | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| FCF/Sales | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Growth and momentum | ||||||||||
| EPS Growth YoY | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Sales Growth YoY | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net Income Growth YoY | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| FCF Growth | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Operating Profit Growth | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Dividend and capital structure | ||||||||||
| Dividend Yield | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Dividend Growth | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Payout Ratio | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| FCF/Debt | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net Debt/EBITDA | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| EBIT/Net interest | x | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net debt/market cap | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Net debt/Equity | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
| Gross debt/equity | % | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked | Locked |
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
The Jammu and Kashmir Bank Limited delivers a diverse suite of banking products and services, structured across its key segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business activities. The institution provides various deposit account options, including savings, current, salary, pension, and small accounts, along with multiple term deposit schemes. For individuals, the bank offers extensive credit facilities such as housing, consumer, education, term, car, coaching fee, personal consumption, and skill-based loans. It also extends festival advances and specialized financing for items like laptops/PCs, smartphones, school education, modular kitchens, Sahafat, solar equipment, and two-wheelers, in addition to cash credit schemes and loans secured by gold ornaments and jewellery. Targeting businesses and specific sectors, its offerings encompass funding for commercial vehicles, school buses, passenger/mini buses, artisans (dastkar), craftsmen, commercial premises, contractors, mini sheep farm establishments, construction equipment, and tourism projects. The bank further supports small businesses with Saral financing, provides mortgage loans for trade and service sectors, offers loans against mortgaged immovable property, implements fair price shop schemes, and funds start-ups. Agricultural support includes agroterm loans, fruit advances, Giri finance schemes, debt swap schemes for farmers, and mortgage loan schemes for agricultural produce traders. Beyond credit, the company facilitates government-sponsored initiatives, distributes both life and non-life insurance products, and issues debit, credit, and prepaid cards, alongside offering merchant acquiring services. As of March 31, 2022, J&K Bank's operational footprint across India included 980 branches and 1404 ATMs. Its broad customer base spans business enterprises, employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations, and corporate clients. The Jammu and Kashmir Bank Limited, incorporated in 1938, maintains its headquarters in Srinagar, India.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
The Jammu and Kashmir Bank Limited (J&KBANK.NS)
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
The Jammu and Kashmir Bank Limited delivers a diverse suite of banking products and services, structured across its key segments: Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business activities. The institution provides various deposit account options, including savings, current, salary, pension, and small accounts, along with multiple term deposit schemes. For individuals, the bank offers extensive credit facilities such as housing, consumer, education, term, car, coaching fee, personal consumption, and skill-based loans. It also extends festival advances and specialized financing for items like laptops/PCs, smartphones, school education, modular kitchens, Sahafat, solar equipment, and two-wheelers, in addition to cash credit schemes and loans secured by gold ornaments and jewellery. Targeting businesses and specific sectors, its offerings encompass funding for commercial vehicles, school buses, passenger/mini buses, artisans (dastkar), craftsmen, commercial premises, contractors, mini sheep farm establishments, construction equipment, and tourism projects. The bank further supports small businesses with Saral financing, provides mortgage loans for trade and service sectors, offers loans against mortgaged immovable property, implements fair price shop schemes, and funds start-ups. Agricultural support includes agroterm loans, fruit advances, Giri finance schemes, debt swap schemes for farmers, and mortgage loan schemes for agricultural produce traders. Beyond credit, the company facilitates government-sponsored initiatives, distributes both life and non-life insurance products, and issues debit, credit, and prepaid cards, alongside offering merchant acquiring services. As of March 31, 2022, J&K Bank's operational footprint across India included 980 branches and 1404 ATMs. Its broad customer base spans business enterprises, employees of government, semi-government and autonomous bodies, farmers, artisans, public sector organizations, and corporate clients. The Jammu and Kashmir Bank Limited, incorporated in 1938, maintains its headquarters in Srinagar, India.
