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Jammu & Kashmir Bank Ltd. (IN:J&KBANK)
:J&KBANK
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Jammu & Kashmir Bank Ltd.
(J&KBANK)
Select Model
Select Model
Rating:75Outperform
Price Target:
₹119.00
▲(13.71% Upside)
Jammu & Kashmir Bank Ltd. scores well due to its strong financial performance and attractive valuation. The bank's robust revenue growth and profitability, combined with a low P/E ratio, make it appealing. However, the lack of technical analysis data and potential risks from increased debt and negative free cash flow growth slightly temper the overall score.
Jammu & Kashmir Bank Ltd. (J&KBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹115.62B
Dividend Yield0.8%
Average Volume (3M)203.85K
Price to Earnings (P/E)5.5
Beta (1Y)1.33
Revenue Growth9.52%
EPS Growth1.91%
CountryIN
Employees12,415
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.40
Shares Outstanding1,101,182,500
10 Day Avg. Volume185,649
30 Day Avg. Volume203,855
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
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)1,532.53
Revenue Forecast (FY)₹6.80T
Jammu & Kashmir Bank Ltd. Business Overview & Revenue Model
Company DescriptionJammu & Kashmir Bank Ltd. (J&KBANK) is a premier bank in India, established in 1938, headquartered in Srinagar, Jammu and Kashmir. It operates primarily in the banking and financial services sector, providing a wide array of products and services, including retail banking, corporate banking, treasury operations, and wealth management. The bank also extends its services to agricultural financing and microfinance, aiming to cater to the diverse needs of individuals, businesses, and the agricultural sector in the region and beyond.
How the Company Makes MoneyJammu & Kashmir Bank generates revenue primarily through the interest income earned on loans provided to various sectors, including retail, commercial, and agricultural customers. The bank charges interest on loans, which constitutes a significant portion of its earnings. Additionally, it earns money through fees and commissions on various banking services such as account maintenance, fund transfers, and transaction processing. The bank also engages in treasury operations where it earns from investments in government securities and other financial instruments. Furthermore, J&KBANK may have partnerships with local and national businesses that provide cross-selling opportunities and enhance its service offerings, contributing to its overall revenue streams.
Jammu & Kashmir Bank Ltd. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 141.07B | 137.77B | 119.74B | 100.36B | 87.66B | 33.19B |
| Gross Profit | 71.88B | 70.36B | 59.66B | 54.26B | 46.65B | 33.19B |
| EBITDA | 29.84B | 31.07B | 26.06B | 19.44B | 8.91B | 0.00 |
| Net Income | 21.48B | 20.82B | 17.71B | 11.81B | 4.95B | 4.28B |
Balance Sheet | ||||||
| Total Assets | 1.71T | 1.69T | 1.55T | 1.46T | 1.31T | 1.20T |
| Cash, Cash Equivalents and Short-Term Investments | 1.29B | 1.20B | 81.96B | 88.99B | 87.92B | 95.04B |
| Total Debt | 3.00B | 23.83B | 28.85B | 28.92B | 23.71B | 20.15B |
| Total Liabilities | 1.56T | 1.55T | 1.42T | 1.36T | 1.22T | 1.13T |
| Stockholders Equity | 145.36B | 142.08B | 121.93B | 98.96B | 80.77B | 68.02B |
Cash Flow | ||||||
| Free Cash Flow | -20.27B | 50.39B | 933.56M | -5.31B | -16.53B | -901.48M |
| Operating Cash Flow | -20.71B | 51.41B | 1.05B | -4.07B | -15.68B | -141.65M |
| Investing Cash Flow | -40.16M | -1.02B | -2.57B | -1.24B | -851.85M | -759.83M |
| Financing Cash Flow | -139.48M | 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ₹115.62B | 5.53 | ― | 0.80% | 9.52% | 1.91% | |
74 Outperform | ₹78.40B | 6.46 | ― | 2.22% | 7.08% | 7.69% | |
73 Outperform | ₹71.72B | 11.55 | ― | ― | 32.90% | 12.28% | |
69 Neutral | ₹191.71B | 15.86 | ― | 0.76% | 14.95% | 14.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹198.74B | 36.50 | ― | 0.32% | 6.67% | -54.96% | |
65 Neutral | ₹155.30B | 26.35 | ― | 2.26% | -9.65% | -30.52% |
* Financial Sector Average
IN:J&KBANK
Jammu & Kashmir Bank Ltd.
105.00
9.77
10.26%
IN:CSBBANK
CSB Bank Ltd.
413.40
111.10
36.75%
IN:CUB
City Union Bank Limited
262.80
90.77
52.76%
IN:RBLBANK
RBL Bank Ltd.
312.00
154.22
97.74%
IN:TMB
Tamilnad Mercantile Bank Limited
495.10
62.80
14.53%
IN:UTIAMC
UTI Asset Management Co. Ltd.
1,149.95
-97.66
-7.83%
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.