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Prices as of 8 Oct 2026 close · Not investment advice

The Jammu & Kashmir Bank Limited

NSE: J&KBANKPrivate Sector Bank

Share price

₹135.50

-2.80% close of 8 Oct 2026

Market cap ₹14,905 CrP/E 6.5

Business score

How strong the business is, in one number. The parts behind it are in Pro.

66

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹14,905 Cr

P/E ratio

6.5

P/B ratio

0.9

ROCE

5.8%

ROE

15.4%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹192.6552-week low ₹98.09

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 4.8% over the past year, and 9.5% a year over its longer record. Meanwhile what it keeps on lending slipped from 15.3% to 14.8% over the last two years.

Whether it grew faster than its sector

It grew 9.5% a year against a sector median of 16.0% — 6.5 percentage points slower.

Room to re-rate, or risk of de-rating

At 6.5× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 13.9×, across 5 companies. It is against its own five-year median of 6.9×, the 42nd percentile of its own range.

Whether growth justifies the valuation

Priced at 0.2 times its growth rate, on earnings growth of 26%.

Profit growthPrice per ₹1 profitPer 1% growth
The Jammu & Kashmir Bank Limited — this one26%/yr6.5×₹0.25
HDFC Bank18%/yr13.5×₹0.75
ICICI Bank17%/yr17.2×₹1.0
Kotak Mahindra Bank9%/yr21.6×₹2.4
Axis Bank35%/yr13.9×₹0.40
IDBI Bank Limited35%/yr9.6×₹0.27

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Private Sector Bank), it ranks 3 of 20 on returns, 18 of 20 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 15.4% on capital, ahead of 85% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result

What the last results showed. Whether management kept its word is in Pro.

Results are expected soon.

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹14,905 Cr
Prev close
₹135.50
52w High
₹202
52w Low
₹97.3
Enterprise value
—
Beta
1.3
Price CAGR 1y
37.0%
Price CAGR 3y
8.0%
Price CAGR 5y
30.0%
Price CAGR 10y
5.0%

Ratios

Return on assets
1.2%
PEG ratio
0.2
P/E ratio
6.5
P/B ratio
0.9
EV / EBITDA
—
Industry P/E
13.7
ROCE
5.8%
ROCE 5y average
—
ROE
15.4%
Debt / Equity
0.2
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
16.0%
ROE last year
15.0%

Annual P&L

Annual revenue
₹13,151 Cr
Annual profit
₹2,360 Cr
Operating margin
16.0%
Net profit margin
17.9%
EBITDA margin
16.3%
Sales growth 3y
12.0%
Sales growth 5y
10.1%
Profit growth 3y
26.0%
Profit growth 5y
41.0%
EPS
₹21.4
Sales growth TTM
5.0%
Profit growth TTM
7.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹3,547 Cr
Profit latest quarter
₹429 Cr
YoY quarterly sales growth
8.5%
YoY quarterly profit growth
-11.5%
OPM latest quarter
11.0%

Balance Sheet

Book Value
₹150
Face Value
₹1.0
Total debt
₹3,431 Cr
Total cash
₹7,622 Cr
Borrowings
₹3,431 Cr
Reserves / Equity
149.0

Cash Flow

Operating cash flow
-₹1,126 Cr
Free cash flow
-₹1,595 Cr
FCF yield
—
Net cash flow
-₹1,928 Cr

Shareholding

Promoter holding
59.4%
FII holding
9.4%
DII holding
7.8%
Public holding
23.4%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
HDFC Bank702.7513.710,83,5421.8520,382.718.490,575.33.77.0
ICICI Bank1,357.5017.49,74,5420.8816,276.213.952,240.96.47.2
Kotak Mah. Bank440.0021.94,37,7070.155,480.522.618,354.66.47.0
Axis Bank1,242.5013.93,86,8860.087,670.422.235,542.09.96.2
IDBI Bank85.679.992,1160.002,130.65.37,549.37.45.9
Federal Bank323.5017.179,9910.371,302.536.87,861.69.96.4
IDFC First Bank79.5430.568,5860.311,075.0132.411,051.114.66.0
J & K Bank139.406.715,3500.00428.8-11.53,547.58.55.8
Median315.0013.847,9300.34628.729.64,735.49.66.4

Competes with: Axis Bank, Federal Bank, HDFC Bank, ICICI Bank, IDBI Bank Limited, IDFC First Bank, IndusInd Bank, Kotak Mahindra Bank, Yes Bank Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue2,6572,7642,8812,9102,9943,1243,2103,2133,2693,2933,3153,2733,547
Expenses1,0629829067059549809961,0751,0619589648891,095
Financing Profit221352375602415456516406406477527600403
Financing Margin %8131321141516131214161811
Other Income230193186229198301242403253157280262217
Interest1,3741,4301,6001,6041,6251,6871,6971,7321,8031,8581,8241,7842,049
Depreciation0000000000000
Profit before tax452545561830614757758810659635807862621
Tax %2830252332273028262227731
Net Profit331384423633418553529582485495581799429
EPS in Rs3.213.723.845.753.805.024.805.284.404.495.287.253.89
Gross NPA3,6383,5853,4873,1253,089
Income on Investments723767746685722
Interest on Advances2,4302,3912,4352,4522,685
Interest on RBI and Inter-bank Balances11248.748.638.06
Net NPA829796776785769

Filed only on the standalone basis, so shown from it: Gross NPA, Income on Investments, Interest on Advances, Interest on RBI and Inter-bank Balances, Net NPA.

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue7,0616,8446,6866,6217,6768,4468,1118,0139,35511,21312,54113,15113,429
Expenses2,3362,4664,4313,1543,4395,2343,8023,7743,5673,4373,8343,7413,907
Financing Profit316245-1,919-283-55-1,527-301371,1781,7681,9662,1412,007
Financing Margin %44-29-4-1-18-021316161615
Other Income5995094975018175097017537658381,140951918
Interest4,4094,1324,1733,7504,2914,7394,3404,1014,6096,0086,7417,2697,515
Depreciation956485971041261341441582181681280
Profit before tax820689-1,507121659-1,1445377471,7862,3882,9392,9642,925
Tax %38408-68303193233262920
Net Profit508414-1,633203464-1,1834284951,1811,7712,0822,3602,304
EPS in Rs108.54-313.648.33-176.015.301116192121
Dividend Payout %2020000000413110

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
7%
5 years
10%
3 years
12%
TTM
5%

Compounded profit growth

10 years
19%
5 years
41%
3 years
26%
TTM
7%

Stock price CAGR

10 years
5%
5 years
30%
3 years
8%
1 year
37%

Return on equity

10 years
7%
5 years
14%
3 years
16%
Last year
15%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4848525656717193103110110110
Reserves6,0606,3725,6216,1026,5666,2746,7317,9849,79312,08314,09816,390
Borrowing1,7402,2401,2761,6282,6242,0202,0152,3712,8922,8852,3833,431
Deposits66,33669,37972,45980,00589,63797,7861,08,0471,14,7031,22,0271,34,7651,48,5521,65,342
Other Liabilities1,7262,2142,6041,8942,5222,6783,4085,42511,0974,6624,2803,687
Total Liabilities75,91080,25482,01289,6841,01,4051,08,8291,20,2731,30,5761,45,9131,54,5051,69,4241,88,960
Fixed Assets6557061,4791,5981,6462,0361,9711,9082,2242,2082,1262,445
CWIP345964172935414647506688
Investments22,74020,33421,27118,86023,14022,99030,77433,78534,78034,90041,12240,520
Advances1,22,633
Other Assets52,48159,15659,19869,21076,58983,76887,48694,8371,08,8601,17,3471,26,1101,45,906
Total Assets75,91080,25482,01289,6841,01,4051,08,8291,20,2731,30,5761,45,9131,54,5051,69,4241,88,960

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity118-2192,4572,363-2,9924,374-14-1,568-407-8532,723-1,126
Cash from Investing Activity-261-136-861-164-165-115-76-85-124-257-102-302
Cash from Financing Activity-338-176593668769-339-199941638407-1,034-500
Net Cash Flow-480-5312,1892,867-2,3883,920-289-712107-7021,587-1,928
Free Cash Flow-131-3551,5962,199-3,1564,259-90-1,653-531-1,0382,621-1,595

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %97-2737-187713161615

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters635959595959595959595959
FIIs2.615.806.997.166.477.077.648.017.858.148.359.38
DIIs4.927.817.906.746.416.826.695.875.765.8467.85
Public292726272827262727272623
No. of Shareholders1,88,6092,04,1932,15,2942,54,6452,78,0502,82,7432,80,1872,65,9682,61,9782,54,2192,40,5392,19,636

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +31.6% (₹102.97 → ₹135.50)Brick size ₹4.16 (fixed)Bricks 45
₹100₹125₹150₹175₹136Dec '25Mar '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹135.50 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

capital adequacy (CRAR) %

16.67pct

2026-06-30

CASA ratio %

42.06

cost-to-income %

58.90pct

2026-06-30

credit cost

0.10pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

2.37pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

0.00cr

2026-03-31

net NPA %

0.60pct

2026-06-30

net interest margin %

3.28pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

provision coverage %

90.53pct

2026-06-30

FY revenue / permanent employees + workers, same basis (calc)

1,10,14,915inr

2026-03-31

return on assets %

1.78pct

2026-03-31

tier 1 capital ratio % = CET1 + AT1 (bank, standalone)

14.78pct

2026-06-30

News

News and filings about The Jammu & Kashmir Bank Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

Buys from

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Private Sector Bank
Classification
Financial Services › Private Sector Bank
ISIN
INE168A01041

News impact

Big market events that reach The Jammu & Kashmir Bank Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

19 Aug 2025unspecified₹2.15
9 Aug 2024unspecified₹2.15
17 Aug 2023unspecified₹0.5
11 Jul 2016unspecified₹1.75
13 Aug 2015unspecified₹2.1
4 Sep 2014split₹0
24 Jul 2014unspecified₹50
13 Jun 2013unspecified₹50

Splits, bonuses & buybacks

  • daily-prices repair: 10 rows from NSE's archive (replace 3, delete 1, insert 6), 2020-02-01..2026-02-01 (docs/flat_day_repair.md)1× · 1 Feb 2020

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.