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THE JAMMU & KASHMIR BANK
Intrinsic Value | Fundamental Analysis

BOM : 532209     NSE : J&KBANK    
LT :  
    Long Term Analysis
Fundamentals : Bad
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : Low
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Downward
Price Momentum : Downward
Pledged Shares : None or < 25%
Jul 05,2022
Price(EOD): ₹ 25.55
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 2,456.63 Cr
Value of ₹ 1 Lac invested in THE JAMMU & KASHMIR BANK
on Jul 05,2017 (price: ₹ 85.90)

₹ 1 L

₹ 0.30 L

1W : -1.2% 1M : -12.7% 1Y : -38.3%
COMMUNITY POLL
for THE JAMMU & KASHMIR BANK
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
THE JAMMU & KASHMIR BANK -1.2% -12.7% -38.3%
HDFC BANK 0.6% -1.9% -8.8%
ICICI BANK 2.4% -3.7% 14.1%
KOTAK MAHINDRA BANK 1.3% -11.1% -2.6%
AXIS BANK 3.6% -3.5% -12.3%
INDUSIND BANK 2% -11.3% -17.4%
BANDHAN BANK 1.9% -16.1% -17%
IDBI BANK -0.2% -17% -18.5%
AU SMALL FINANCE BANK -6.6% -12.1% 10%

FUNDAMENTAL ANALYSIS OF THE JAMMU & KASHMIR BANK

 
Fundamentals Score
[ Q(TTM): Mar2022, Y: Mar2021
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 : Jul 05,2022 ]

Ratio Consolidated
P/E
P/B
P/S
4.25
P/E Calculated based on EPS of 6.01
[ Mar2021 - Consolidated Results ]

0.31
P/B Calculated based on Book Value of 81.71
[ Mar2021 - Consolidated Results ]

0.31
P/S Calculated based on Revenues of 8012.98 Cr
[ TTM - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF THE JAMMU & KASHMIR BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
91%
10%
352%

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SHARE PRICE MOMENTUM OF THE JAMMU & KASHMIR BANK



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NPA

Year Net NPA/Advances ratio
Consolidated
2021
2020
2019
Avg_3yrs
2.95
3.48
4.89
3.77

PLEDGED PROMOTER SHARES OF THE JAMMU & KASHMIR BANK

Pledged Promoter Shares
0 %
As on : Mar2022

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
-0.36%
0.8%
-61.15%
-35.31%
3.12%
8.66%
-58.27%
-64.3%
QtrlyTrend
-2
Latest Qtr: Mar2022
Quarterly Result Analysis →


THE JAMMU & KASHMIR BANK related INDICES

BSE Indices1W1M1Y
S&P BSE FINANCE 0.9% -4.1% -6%
S&P BSE SMALL CAP 0.2% -5.2% -0.9%
S&P BSE ALLCAP -0% -4.4% 0.1%
S&P BSE MIDSMALLCAP -0.1% -4.5% -1.7%
No NSE index found

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FAQ about THE JAMMU & KASHMIR BANK


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

As on Jul 05,2022, the Fundamentals of THE JAMMU & KASHMIR BANK look Poor and hence it may not be good for long term investment ! 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 Jul 05,2022, 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 Jul 05,2022, the Intrinsic Value of THE JAMMU & KASHMIR BANK is Rs. 13.39 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 13.39
Fair Value [Median EV / Sales Model] : Rs. 23.24
Fair Value [Median Price / Sales Model] : Rs. 5.65
Median Fair Value of THE JAMMU & KASHMIR BANK : Rs. 13.39

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

As on Jul 05,2022, THE JAMMU & KASHMIR BANK is trading at a Premium of 91% based on the estimates of Median Intrinsic Value!

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].