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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 : Mild Upward
Pledged Shares : None or < 25%
Jun 16,2025
Price(EOD): ₹ 105.15
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 11,579.12 Cr
Value of ₹ 1 Lac invested in THE JAMMU & KASHMIR BANK
on Jun 16,2020 (price: ₹ 15.16)

₹ 1 L

₹ 6.94 L

1W : -5.4% 1M : 1.2% 1Y : -13.8%
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for THE JAMMU & KASHMIR BANK
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Industry Peers & Returns1W1M1Y
THE JAMMU & KASHMIR BANK -5.4% 1.2% -13.8%
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AXIS BANK -1.4% 0.6% 1%
INDUSIND BANK -3% 5% -44.8%
IDBI BANK -5.7% 9.8% 9.2%
YES BANK -2.8% -6% -14.7%
IDFC FIRST BANK -0.8% 2.4% -9.1%

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 16,2025 ]

Ratio Consolidated
P/E
P/B
P/S
5.55
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 2,086.25 Cr
[Latest Qtr - Mar2025 - Consolidated Results ]

0.81
P/B Calculated based on Book Value of Rs 14,208.30 Cr
[Latest Year - Mar2025 - Consolidated Results ]

0.92
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
24%
-22%
102%

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SHARE PRICE MOMENTUM OF THE JAMMU & KASHMIR BANK



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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 SMALLCAP -0.9% 6.2% 8.8%
BSE 500 -1% 1.1% 5.2%
BSE 250 SMALLCAP INDEX -1.2% 6.1% 4.8%
NSE Indices1W1M1Y
NIFTY TOTAL MARKET -1% 1.5% 6.1%
NIFTY 500 -1% 1.3% 5.9%
NIFTY500 MULTICAP 50:25:25 -1.1% 2.7% 6.5%
NIFTY500 LARGEMIDSMALL EQUAL-CAP WEIGHTED INDEX -1.2% 3.6% 6.8%
NIFTY SMALLCAP 250 -1.3% 7% 6%

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FAQ about THE JAMMU & KASHMIR BANK


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

As on Jun 16,2025, 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 16,2025, 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 16,2025, 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 16,2025, THE JAMMU & KASHMIR BANK is trading at a Premium of 24% based on the estimates of Median Intrinsic Value!