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THE JAMMU & KASHMIR BANK
Intrinsic Value | Fundamental Analysis

BOM : 532209     NSE : J&KBANK    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : Average
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Upward
Pledged Shares : None or < 25%
Jun 09,2025
Price(EOD): ₹ 107.15
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 11,799.36 Cr
Value of ₹ 1 Lac invested in THE JAMMU & KASHMIR BANK
on Jun 09,2020 (price: ₹ 15.82)

₹ 1 L

₹ 6.77 L

1W : 3.1% 1M : 18.8% 1Y : -1.6%
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FUNDAMENTAL ANALYSIS OF THE JAMMU & KASHMIR BANK

 
Fundamentals Score
[ Q(TTM): Mar2025, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF THE JAMMU & KASHMIR BANK

 
Valuation Score
[As on : Jun 09,2025 ]

Ratio Consolidated
P/E
P/B
P/S
5.66
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 2,086.25 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

0.83
P/B Calculated based on Book Value of Rs 14,208.30 Cr
[Latest Year - Mar2025 - Consolidated Results ]

0.94
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 12,541.10 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF THE JAMMU & KASHMIR BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
26%
-20%
106%

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SHARE PRICE MOMENTUM OF THE JAMMU & KASHMIR BANK


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THE JAMMU & KASHMIR BANK vs SENSEX


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NPA

Year Net NPA/Advances ratio
Consolidated
2024
2023
2022
Avg_3yrs
0.79
1.62
2.49
1.63

PLEDGED PROMOTER SHARES OF THE JAMMU & KASHMIR BANK

Pledged Promoter Shares
0 %
As on : Mar2025

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF THE JAMMU & KASHMIR BANK

Consolidated Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
0.12%
6.92%
6.75%
9.97%
10.41%
20.31%
-2.5%
-8.58%
QtrlyTrend
4
Latest Qtr: Mar2025
Quarterly Result Analysis →


THE JAMMU & KASHMIR BANK related INDICES

BSE Indices1W1M1Y
BSE ALLCAP 6.4% 8.9% 7.5%
BSE MIDSMALLCAP 4.7% 9% 8.4%
BSE 250 SMALLCAP INDEX 3.2% 14.7% 9.1%
BSE 400 MIDSMALLCAP INDEX 3% 12.2% 8.2%
BSE SMALLCAP 2.8% 15.3% 12.1%
NSE Indices1W1M1Y
NIFTY SMALLCAP 250 3.3% 15.4% 9.8%
NIFTY MIDSMALLCAP 400 3.2% 13.1% 10%
NIFTY 500 EQUAL WEIGHT 2.8% 13.3% 8.2%
NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX 2.8% 10.5% NA
NIFTY500 MULTICAP 50:25:25 2.5% 9% 8.2%

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FAQ about THE JAMMU & KASHMIR BANK


Is THE JAMMU & KASHMIR BANK good for long term investment?

As on Jun 09,2025, the Fundamentals of THE JAMMU & KASHMIR BANK look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of THE JAMMU & KASHMIR BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is THE JAMMU & KASHMIR BANK UnderValued or OverValued?

As on Jun 09,2025, THE JAMMU & KASHMIR BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of THE JAMMU & KASHMIR BANK ?

As on Jun 09,2025, the Intrinsic Value of THE JAMMU & KASHMIR BANK is Rs. 84.71 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 84.71
Fair Value [Median EV / Sales Model] : Rs. 134.11
Fair Value [Median Price / Sales Model] : Rs. 52.11
Estimated Median Fair Value of THE JAMMU & KASHMIR BANK : Rs. 84.71

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is THE JAMMU & KASHMIR BANK trading at a Premium or Discount?

As on Jun 09,2025, THE JAMMU & KASHMIR BANK is trading at a Premium of 26% based on the estimates of Median Intrinsic Value!