J&k Bank Financials
NSE: J&KBANK | BSE: 532209
₹146.58
₹-0.70
(-0.48%)
As on 18-Sep-2026IST
Market cap
₹16,160 Cr
Revenue (TTM)
₹13,429 Cr
P/E Ratio
7
P/B Ratio
1
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
13,428.76
|
13,150.73
|
12,541.08
|
11,213.20
|
9,355.23
|
8,012.98
|
|
|
|
|
|
|
Other Income
|
919.11
|
950.65
|
1,140.49
|
837.67
|
765.24
|
753.48
|
|
|
|
|
|
|
Total Income
|
14,347.87
|
14,101.37
|
13,681.57
|
12,050.88
|
10,120.47
|
8,766.46
|
|
|
|
|
|
|
Interest Expended
|
7,514.68
|
7,268.62
|
6,741.26
|
6,007.93
|
4,609.44
|
4,101.34
|
|
|
|
|
|
|
Operating Expenses
|
3,810.63
|
3,840.57
|
4,005.55
|
3,762.56
|
3,650.87
|
3,598.65
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
3,022.56
|
2,992.18
|
2,934.76
|
2,280.39
|
1,860.16
|
1,066.47
|
|
|
|
|
|
|
Provisions and Contingencies
|
97.55
|
28.61
|
-3.92
|
-107.69
|
74.13
|
320.89
|
|
|
|
|
|
|
Profit Before Tax
|
2,925.01
|
2,963.57
|
2,938.68
|
2,388.08
|
1,786.04
|
745.58
|
|
|
|
|
|
|
Taxes
|
618.12
|
596.00
|
852.43
|
618.17
|
587.45
|
241.14
|
|
|
|
|
|
|
Profit after Tax
|
2,306.89
|
2,367.57
|
2,086.25
|
1,769.91
|
1,198.59
|
504.44
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
-3.12
|
-8.07
|
-4.46
|
1.32
|
-18.07
|
-9.59
|
|
|
|
|
|
|
Consolidated Profit
|
2,303.77
|
2,359.50
|
2,081.79
|
1,771.22
|
1,180.52
|
494.85
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
17,003.44
|
16,499.78
|
14,208.31
|
12,192.73
|
9,896.33
|
8,077.12
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,73,404.49
|
1,65,342.45
|
1,48,552.02
|
1,34,764.66
|
1,22,027.18
|
1,14,702.77
|
|
|
|
|
|
|
Borrowings
|
4,381.00
|
3,431.00
|
2,382.84
|
2,885.00
|
2,892.31
|
2,370.82
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
3,810.54
|
3,686.52
|
4,280.36
|
4,662.20
|
11,096.78
|
5,425.33
|
|
|
|
|
|
|
Total Liabilities
|
1,98,599.47
|
1,88,959.76
|
1,69,423.54
|
1,54,504.58
|
1,45,912.59
|
1,30,576.03
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
7,077.03
|
7,621.87
|
7,385.48
|
7,250.08
|
7,794.06
|
7,750.20
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
1,012.37
|
233.37
|
2,397.67
|
946.40
|
1,104.80
|
1,041.70
|
|
|
|
|
|
|
Investments
|
42,951.83
|
40,520.36
|
41,121.71
|
34,900.22
|
34,780.40
|
33,785.25
|
|
|
|
|
|
|
Advances
|
1,28,168.19
|
1,22,632.61
|
1,04,183.82
|
93,756.60
|
82,277.61
|
70,393.08
|
|
|
|
|
|
|
Net Block
|
2,514.36
|
2,532.96
|
2,191.84
|
2,257.75
|
2,271.75
|
1,953.94
|
|
|
|
|
|
|
Other Assets
|
16,875.69
|
15,418.59
|
12,143.02
|
15,393.53
|
17,683.97
|
15,651.86
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,98,599.47
|
1,88,959.76
|
1,69,423.54
|
1,54,504.58
|
1,45,912.59
|
1,30,576.03
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-1,125.68
|
2,723.15
|
-852.55
|
-407.13
|
-1,568.05
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-302.29
|
-102.10
|
-257.26
|
-123.51
|
-85.18
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-499.93
|
-1,034.38
|
407.43
|
637.59
|
941.43
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-1,927.90
|
1,586.67
|
-702.38
|
106.95
|
-711.80
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
20.92
|
21.43
|
18.91
|
16.08
|
11.44
|
5.30
|
|
|
|
|
|
|
Cash EPS (₹)
|
20.92
|
22.58
|
20.38
|
17.96
|
12.90
|
6.74
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
140.60
|
136.03
|
117.78
|
99.20
|
83.52
|
75.40
|
|
|
|
|
|
|
Dividend per Share (₹)
|
--
|
--
|
2.15
|
2.15
|
0.50
|
--
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-10.22
|
24.73
|
-7.74
|
-3.95
|
-16.81
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-13.80
|
18.97
|
-12.85
|
-9.00
|
-23.16
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.72
|
12.04
|
11.96
|
11.37
|
11.38
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.57
|
6.74
|
6.66
|
6.10
|
5.33
|
|
|
|
|
|
|
Interest Spread
|
--
|
6.42
|
7.57
|
7.60
|
7.68
|
7.88
|
|
|
|
|
|
|
NIM (%)
|
--
|
3.44
|
3.74
|
3.80
|
3.77
|
3.46
|
|
|
|
|
|
|
ROE (%)
|
14.18
|
16.94
|
17.46
|
18.12
|
15.32
|
7.84
|
|
|
|
|
|
|
ROA (%)
|
1.25
|
1.32
|
1.29
|
1.18
|
0.87
|
0.40
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
56.21
|
57.71
|
62.26
|
66.25
|
77.14
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
4.78
|
4.86
|
11.84
|
19.86
|
16.75
|
-1.21
|
|
|
|
|
|
|
EBIT Growth (%)
|
15.87
|
1.96
|
28.70
|
22.59
|
74.42
|
-32.86
|
|
|
|
|
|
|
Net Profit Growth (%)
|
0.29
|
13.48
|
17.87
|
47.67
|
137.61
|
16.02
|
|
|
|
|
|
|
EPS Growth (%)
|
7.26
|
13.34
|
17.53
|
40.54
|
115.76
|
-11.67
|
|
|
|
|
|
|
Book Value Growth (%)
|
--
|
15.49
|
18.73
|
26.80
|
22.48
|
20.66
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
7.01
|
5.13
|
4.88
|
8.33
|
4.30
|
6.09
|
|
|
|
|
|
|
Price / Book Value
|
1.04
|
0.81
|
0.78
|
1.35
|
0.59
|
0.43
|
|
|
|
|
|
|
Dividend Yield (%)
|
--
|
--
|
2.33
|
1.60
|
1.02
|
--
|
|
|
|
|
|
|
EV/EBITDA
|
3.96
|
5.19
|
4.27
|
7.74
|
4.28
|
5.05
|
|
|
|
|
|
|
Close Price (₹)
|
154.74
|
110.01
|
92.30
|
134.20
|
49.05
|
32.30
|
|
|
|
|
|
|
High Price (₹)
|
167.15
|
128.48
|
147.20
|
152.50
|
62.80
|
48.30
|
|
|
|
|
|
|
Low Price (₹)
|
97.35
|
82.01
|
86.61
|
44.86
|
23.80
|
22.50
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
16,159.85
|
12,113.13
|
10,162.04
|
14,755.45
|
5,070.53
|
3,013.22
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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