Jammu & Kashmir Bank Ltd. (IN:J&KBANK)
:J&KBANK
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Jammu & Kashmir Bank Ltd.
(J&KBANK)
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Rating:71Outperform
Price Target:
₹122.00
▲(21.15% Upside)
Action:ReiteratedDate:03/11/26
The score is driven primarily by strong financial performance (notably rapid revenue growth, improving margins, and low leverage). This is offset by weaker support from valuation (high P/E and low dividend yield) and limited technical confirmation due to missing indicator data.
Positive Factors
Strong revenue and margin improvement
The bank reported a 65.2% revenue increase with expanding gross and net margins and healthy EBIT/EBITDA. This reflects sustainable improvement in core banking operations and product mix, supporting longer-term earnings power and the capacity to fund lending and operational investment over months.
Negative Factors
Negative free cash flow growth
Negative free cash flow growth reduces the bank’s ability to invest in branches, technology, or repay obligations and to return capital to shareholders. If persistent, it may force higher external borrowings or constrain discretionary spending and strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and margin improvement
The bank reported a 65.2% revenue increase with expanding gross and net margins and healthy EBIT/EBITDA. This reflects sustainable improvement in core banking operations and product mix, supporting longer-term earnings power and the capacity to fund lending and operational investment over months.
Read all positive factors
Jammu & Kashmir Bank Ltd. (J&KBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹135.61B
Dividend Yield1.03%
Average Volume (3M)199.64K
Price to Earnings (P/E)30.1
Beta (1Y)1.02
Revenue Growth9.52%
EPS Growth1.91%
CountryIN
Employees12,415
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.28
Shares Outstanding1,101,182,500
10 Day Avg. Volume155,842
30 Day Avg. Volume199,638
Financial Highlights & Ratios
PEG Ratio-0.98
Price to Book (P/B)4.88
Price to Sales (P/S)1.48
P/FCF Ratio29.23
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)16.1
Revenue Forecast (FY)₹76.71B
Jammu & Kashmir Bank Ltd. Business Overview & Revenue Model
Company Description
The Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It offers savings, current, sala...
How the Company Makes Money
J&KBANK primarily makes money through (1) net interest income and (2) non-interest (fee and other) income. Net interest income is earned from the spread between interest collected on earning assets—mainly loans and advances to retail customers, MS...
Jammu & Kashmir Bank Ltd. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 111.69B | 137.77B | 119.74B | 100.36B | 87.66B | 88.12B |
| Gross Profit | 55.72B | 70.36B | 59.66B | 54.26B | 46.65B | 44.72B |
| EBITDA | 29.11B | 31.07B | 26.06B | 19.44B | 8.91B | 5.69B |
| Net Income | 21.43B | 20.82B | 17.71B | 11.81B | 4.95B | 4.28B |
Balance Sheet | ||||||
| Total Assets | 1.77T | 1.69T | 1.55T | 1.46T | 1.31T | 1.20T |
| Cash, Cash Equivalents and Short-Term Investments | 62.37B | 1.20B | 81.96B | 88.99B | 87.92B | 95.04B |
| Total Debt | 23.82B | 23.83B | 28.85B | 28.92B | 23.71B | 20.15B |
| Total Liabilities | 1.62T | 1.55T | 1.42T | 1.36T | 1.22T | 1.13T |
| Stockholders Equity | 154.91B | 142.08B | 121.93B | 98.96B | 80.77B | 68.02B |
Cash Flow | ||||||
| Free Cash Flow | 718.45M | 50.39B | 933.56M | -5.31B | -16.53B | -901.48M |
| Operating Cash Flow | 763.85M | 51.41B | 1.05B | -4.07B | -15.68B | -141.65M |
| Investing Cash Flow | -44.39M | -1.02B | -2.57B | -1.24B | -851.85M | -759.83M |
| Financing Cash Flow | -458.90M | 127.54B | 131.43B | 6.38B | 9.41B | -1.99B |
Jammu & Kashmir Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ₹103.64B | 5.96 | ― | 2.15% | 7.08% | 7.69% | |
71 Outperform | ₹135.61B | 30.11 | ― | 1.03% | 9.52% | 1.91% | |
69 Neutral | ₹191.15B | 16.23 | ― | 0.69% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹124.18B | 29.94 | ― | 2.30% | -9.65% | -30.52% | |
58 Neutral | ₹70.22B | 13.04 | ― | ― | 32.90% | 12.28% | |
58 Neutral | ₹196.57B | 21.28 | ― | 0.33% | 6.67% | -54.96% |
* Financial Sector Average
IN:J&KBANK
Jammu & Kashmir Bank Ltd.
123.15
33.85
37.91%
IN:CSBBANK
CSB Bank Ltd.
404.75
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IN:CUB
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257.25
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IN:RBLBANK
RBL Bank Ltd.
321.65
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86.28%
IN:TMB
Tamilnad Mercantile Bank Limited
654.50
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60.09%
IN:UTIAMC
UTI Asset Management Co. Ltd.
966.25
0.86
0.09%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.