The Jammu & Kashmir Bank Ltd.
Price
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What the numbers say
- Good return on equity: 3-year ROE 17.5%.
- Comfortable leverage: debt-to-equity of 0.23.
- Sales compounded at 12.0% over 3 years.
- Weak cash conversion (CFO/OP 0.09).
- Trades below its industry P/E (6.3 vs 14.2).
Generated automatically from reported financials. These are observations, not a recommendation to buy or sell.
- J&K Bank inks pacts with HDFC Life Insurance Company, SBI Life Insurance Company
The agreements are for servicing and soliciting insurance products through the bank’s Branch Network
Company announcements as filed with the exchanges. Reproduced for information — not a view or a recommendation.
| Profit & Loss · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Net Sales | 13,151 | 12,541 | 11,213 | 9,355 | 8,013 |
| Other income | 951 | 1,140 | 838 | 765 | 753 |
| Total Income | 14,101 | 13,682 | 12,051 | 10,120 | 8,766 |
| Expenditure | 11,138 | 10,743 | 9,663 | 8,334 | 8,021 |
| Operating Profit | 2,964 | 2,939 | 2,388 | 1,786 | 746 |
| Interest | 7,269 | 6,741 | 6,008 | 4,609 | 4,101 |
| Depreciation | 119 | 158 | 208 | 132 | 124 |
| Tax | 596 | 852 | 618 | 587 | 241 |
| Net Profit | 2,368 | 2,086 | 1,770 | 1,199 | 504 |
| EPS (₹) | 21.42 | 18.91 | 16.84 | 12.25 | 5.96 |
| Net margin % | 18.0 | 16.6 | 15.8 | 12.8 | 6.3 |
Consolidated figures, as filed with the exchanges. Newest year first.
| Balance Sheet · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Equity capital | 110 | 110 | 110 | 103 | 93 |
| Reserves | 14,869 | 12,859 | 10,814 | 8,512 | 6,940 |
| Net worth | 14,979 | 12,970 | 10,924 | 8,615 | 7,034 |
| Borrowings | 3,431 | 2,383 | 2,885 | 2,892 | 2,371 |
| Total sources | 1,88,960 | 1,69,424 | 1,54,505 | 1,45,913 | 1,30,576 |
| Net block | 2,445 | 2,126 | 2,208 | 2,224 | 1,908 |
| Capital work in progress | 88 | 66 | 49 | 47 | 46 |
| Investments | 40,520 | 41,122 | 34,900 | 34,780 | 33,785 |
| Book value (₹) | 136.03 | 117.78 | 99.20 | 83.52 | 75.40 |
Consolidated figures, as filed with the exchanges. Newest year first.
| Cash Flow · ₹ crore | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| From operations | -1,126 | 2,723 | -853 | -407 | -1,568 |
| From investing | -302 | -102 | -257 | -124 | -85 |
| From financing | -500 | -1,034 | 407 | 638 | 941 |
| Net change in cash | -1,928 | 1,587 | -702 | 107 | -712 |
| Free cash flow | -1,428 | 2,621 | -1,110 | -531 | -1,653 |
| Closing cash | 7,855 | 9,783 | 8,196 | 8,899 | 8,792 |
Consolidated figures, as filed with the exchanges. Newest year first.
| Ratios | FY26 | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| ROCE % | 17.7 | 20.5 | 19.5 | 17.6 | 9.8 |
| ROE % | 16.9 | 17.5 | 18.1 | 15.3 | 7.8 |
| PAT margin % | 18.0 | 16.6 | 15.8 | 12.8 | 6.3 |
| EBIT margin % | 77.8 | 77.2 | 74.9 | 68.4 | 60.5 |
| Debt / equity | 0.23 | 0.18 | 0.26 | 0.34 | 0.34 |
| Sales growth % | 4.9 | 11.8 | 19.9 | 16.8 | -1.2 |
| Dividend per share (₹) | 0.00 | 2.15 | 2.15 | 0.50 | 0.00 |
| Payout % | 0.0 | 11.4 | 13.4 | 4.4 | 0.0 |
Consolidated figures, as filed with the exchanges. Newest year first.
Frequently asked
The Jammu & Kashmir Bank Ltd. (J&KBANK) last traded at ₹135.08 on the NSE, down +0.31% on the session. Prices on this page are indicative and for information only.
The Jammu & Kashmir Bank Ltd. has traded between ₹97.35 and ₹201.75 over the last 52 weeks on the NSE.
The Jammu & Kashmir Bank Ltd. has a market capitalisation of about ₹14,875 crore.
The Jammu & Kashmir Bank Ltd. trades at a P/E of 6.3, against an industry P/E of 14.2.
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Who is actually trading it
Delivery against churn, the deals big enough to be reported, what the insiders did, and the benchmarks that hold The Jammu & Kashmir Bank Ltd..
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Exchange filings and end-of-day data, not a live feed. Bulk, block and insider records are published by the exchanges when a threshold is crossed, so they show reportable activity only. For information, not a recommendation to deal, and not a view on any person named above.
Disclosures. Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.
Prices and data on this page are indicative and for information only. Nothing here is investment advice or a recommendation to buy or sell any security. Investors should consider their own objectives, financial situation and risk profile, and may wish to seek independent advice, before investing.
Figures are as reported by the company; consolidated where available. Errors and omissions excepted.
L. F. C. Securities Pvt. Ltd. · Member BSE, NSE, MCX · SEBI Stock Broker INZ000170736 · CDSL IN-DP-281-2016 · AMFI ARN-78991 · Investment Adviser (Non-Individual) INA000011617 · Compliance Officer: Mr. Santosh Patil · santoshp@labdhi.in · 022-35006933 · Investor Grievances: investorgreve@labdhi.in