THE JAMMU & KASHMIR BANK Financial Statement Analysis
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The Net Interest Income of THE JAMMU & KASHMIR BANK have increased by 1.42% YoY .
The Earnings Per Share (EPS) of THE JAMMU & KASHMIR BANK has increased by 13.33 % YoY. |
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THE JAMMU & KASHMIR BANK Last 5 Annual Financial Results
[BOM: 532209|NSE : J&KBANK]
| Consolidated | Mar2026 | Mar2025 | Mar2024 | Mar2023 | Mar2022 |
|---|---|---|---|---|---|
| Interest Earned | ₹13,151 Cr | ₹12,541 Cr | ₹11,213 Cr | ₹9,355 Cr | ₹8,013 Cr |
| Other Income | ₹951 Cr | ₹1,140 Cr | ₹838 Cr | ₹765 Cr | ₹753 Cr |
| Interest Expended | ₹7,269 Cr | ₹6,741 Cr | ₹6,008 Cr | ₹4,609 Cr | ₹4,101 Cr |
| Operating Expenses | ₹3,841 Cr | ₹4,006 Cr | ₹3,763 Cr | ₹3,651 Cr | ₹3,599 Cr |
| Profit Before Tax | ₹2,964 Cr | ₹2,939 Cr | ₹2,388 Cr | ₹1,786 Cr | ₹746 Cr |
| Profit After Tax | ₹2,368 Cr | ₹2,086 Cr | ₹1,770 Cr | ₹1,199 Cr | ₹504 Cr |
| Consolidated Net Profit | ₹2,359 Cr | ₹2,082 Cr | ₹1,771 Cr | ₹1,181 Cr | ₹495 Cr |
| Earnings Per Share (Rs) | ₹21.43 | ₹18.91 | ₹16.08 | ₹11.44 | ₹5.30 |
| NIM | 3.44 | 3.74 | 3.80 | 3.77 | 3.46 |
| ROE(%) | 16.94 | 17.46 | 18.12 | 15.32 | 7.84 |
| ROCE(%) | 17.75 | 20.48 | 19.45 | 17.59 | 9.82 |
| Advances Growth | 17.71 | 11.12 | 13.95 | 16.88 | 5.31 |
| Net NPAs (funded) to Net Advances (%) | 0.00 | 0.00 | 0.00 | 0.00 | 2.49 |
Key Financials |
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| Market Cap | : | ₹ 16,281.2 Cr |
| Revenue (TTM) | : | ₹ 13,428.8 Cr |
| Net Profit(TTM) | : | ₹ 2,306.9 Cr |
| EPS (TTM) | : | ₹ 20.9 |
| P/E (TTM) | : | 7.1 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| THE JAMMU & KASHMIR BANK | 2.5% | -2.5% | 48% |
| HDFC BANK | -1.2% | -4.8% | -27.5% |
| ICICI BANK | 0.8% | -0.8% | 0.5% |
| KOTAK MAHINDRA BANK | 5.5% | 9% | 6.5% |
| AXIS BANK | 2.3% | 2.9% | 16.8% |
| IDBI BANK | 5.4% | 10.3% | -2.6% |
| AU SMALL FINANCE BANK | -3.2% | 4.6% | 44.3% |
| THE FEDERAL BANK | -3.9% | -2.9% | 70.1% |
| INDUSIND BANK | -2.4% | -1.8% | 27.6% |
THE JAMMU & KASHMIR BANK Net Interest Income
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 1.42 % |
| 5 Yr CAGR | 10.74 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2026 | ₹5,882 Cr | 1.42 | |
| Mar2025 | ₹5,800 Cr | 11.42 | |
| Mar2024 | ₹5,205 Cr | 9.68 | |
| Mar2023 | ₹4,746 Cr | 21.32 | |
| Mar2022 | ₹3,912 Cr | - | |
THE JAMMU & KASHMIR BANK Net Interest Margin (NIM)
[BOM: 532209|NSE : J&KBANK]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -8.02 % |
| 5 Yr CAGR | -0.14 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2026 | 3.44% | -8.02 | |
| Mar2025 | 3.74% | -1.58 | |
| Mar2024 | 3.8% | 0.80 | |
| Mar2023 | 3.77% | 8.96 | |
| Mar2022 | 3.46% | - | |
THE JAMMU & KASHMIR BANK Profit After Tax
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 13.34 % |
| 5 Yr CAGR | 47.77 % |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2026 | ₹2,359 Cr | 13.34 | |
| Mar2025 | ₹2,082 Cr | 17.53 | |
| Mar2024 | ₹1,771 Cr | 50.04 | |
| Mar2023 | ₹1,181 Cr | 138.56 | |
| Mar2022 | ₹495 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | 11.76 % |
| 5 Yr CAGR | 33.44 % |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2026 | 40.11 % | 11.76 | |
| Mar2025 | 35.89 % | 5.47 | |
| Mar2024 | 34.03 % | 36.78 | |
| Mar2023 | 24.88 % | 96.68 | |
| Mar2022 | 12.65 % | - | |
THE JAMMU & KASHMIR BANK Earnings Per Share (EPS)
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | 13.33 % |
| 5 Yr CAGR | 41.80 % |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2026 | ₹21 | 13.33 | |
| Mar2025 | ₹19 | 17.60 | |
| Mar2024 | ₹16 | 40.56 | |
| Mar2023 | ₹11 | 115.85 | |
| Mar2022 | ₹5.30 | - | |
THE JAMMU & KASHMIR BANK Return on Capital Employed (ROCE)
[BOM: 532209|NSE : J&KBANK]
| Y-o-Y | -13.33 % |
| 5 Yr CAGR | 15.95 % |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2026 | 17.75% | -13.33 | |
| Mar2025 | 20.48% | 5.30 | |
| Mar2024 | 19.45% | 10.57 | |
| Mar2023 | 17.59% | 79.12 | |
| Mar2022 | 9.82% | - | |
THE JAMMU & KASHMIR BANK Share Price vs Sensex
| Current Share Price | : | ₹147.9 |
| Current MarketCap | : | ₹ 16,281.2 Cr |
| Updated EOD on | : | Aug 31,2026 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| THE JAMMU & KASHMIR BANK | 2.5% |
-2.5% |
48% |
| SENSEX | -0.5% |
-1.3% |
-5.4% |
THE JAMMU & KASHMIR BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE FINANCIAL SERVICES | 0.3% | 0.8% | 1.1% |
| BSE 400 MIDSMALLCAP INDEX | 0% | 2.3% | 7.6% |
| BSE MIDSMALL PRIVATE BANKS QUALITY TILT | 0% | 2% | NA |
| BSE 250 SMALLCAP INDEX | -0.1% | 2.8% | 6% |
| BSE 1000 | -0.4% | 0.6% | 2.2% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY MIDSMALLCAP400 MOMENTUM QUALITY 100 INDEX | 1% | 3.9% | 8.7% |
| NIFTY MIDSMALLCAP 400 | 0.3% | 2.5% | 9% |
| NIFTY MIDSMALLCAP400 50:50 | 0.2% | 2.6% | NA |
| NIFTY SMALLCAP 500 | 0.2% | 4% | NA |
| NIFTY SMALLCAP250 MOMENTUM QUALITY 100 INDEX | 0.1% | 4.5% | 7.8% |
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FAQ about THE JAMMU & KASHMIR BANK Financials
How the annual revenues of THE JAMMU & KASHMIR BANK have changed ?
The Net Interest Income of THE JAMMU & KASHMIR BANK have increased by 1.42% YoY .
How the Earnings per Share (EPS) of THE JAMMU & KASHMIR BANK have changed?
The Earnings Per Share (EPS) of THE JAMMU & KASHMIR BANK has increased by 13.33 % YoY .
Check out Intrinsic Value of Peers of THE JAMMU & KASHMIR BANK
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Intrinsic Value of HDFC BANK LTD Intrinsic Value of ICICI BANK LTD Intrinsic Value of KOTAK MAHINDRA BANK LTD Intrinsic Value of AXIS BANK LTD Intrinsic Value of IDBI BANK LTD |
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