Jammu & Kashmir Bank Ltd. (IN:J&KBANK)
:J&KBANK
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Jammu & Kashmir Bank Ltd.
(J&KBANK)
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Rating:51Neutral
Price Target:
₹135.00
▲(34.06% Upside)
Action:Downgraded
Date:05/06/26
The score is driven primarily by mixed financial performance: earlier growth and a reasonable balance sheet are offset by a sharp 2026 step-down and volatile cash generation. Valuation is a headwind due to a high P/E and low dividend yield. Technicals are scored neutral because key indicators were not provided.
Positive Factors
Balance Sheet Strength
The bank's moderate leverage and growing equity provide durable financial flexibility for a regional lender. Sizeable equity cushions credit shocks, supports regulatory capital ratios and allows continued lending and provisioning capacity through economic cycles, underpinning long-term stability.
Negative Factors
Cash-Flow Volatility
Repeated negative operating and free cash flow across several years weakens earnings quality and constrains internal funding for loan growth, reserves and dividends. Persistent cash volatility increases reliance on external funding and heightens refinancing and liquidity risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
The bank's moderate leverage and growing equity provide durable financial flexibility for a regional lender. Sizeable equity cushions credit shocks, supports regulatory capital ratios and allows continued lending and provisioning capacity through economic cycles, underpinning long-term stability.
Read all positive factors
Jammu & Kashmir Bank Ltd. (J&KBANK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹158.46B
Dividend Yield1.03%
Average Volume (3M)199.64K
Price to Earnings (P/E)6.6
Beta (1Y)1.06
Revenue Growth3.05%
EPS Growth13.33%
CountryIN
Employees12,415
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)21.42
Shares Outstanding1,101,182,500
10 Day Avg. Volume155,842
30 Day Avg. Volume199,638
Financial Highlights & Ratios
PEG Ratio0.49
Price to Book (P/B)0.94
Price to Sales (P/S)1.40
P/FCF Ratio-10.53
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)22.3
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&K Bank primarily makes money through banking intermediation and fee-based services. (1) Net interest income (NII): The bank earns interest and similar income from loans and advances and from investments (such as interest-bearing securities). It ...
Jammu & Kashmir Bank Ltd. Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
74
Positive
Cash Flow
38
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 141.07B | 137.77B | 119.74B | 100.36B | 87.66B |
| Gross Profit | 68.33B | 70.36B | 59.66B | 54.26B | 46.65B |
| EBITDA | 30.92B | 31.07B | 26.06B | 19.44B | 8.91B |
| Net Income | 23.60B | 20.82B | 17.71B | 11.81B | 4.95B |
Balance Sheet | |||||
| Total Assets | 1.89T | 1.69T | 1.55T | 1.46T | 1.31T |
| Cash, Cash Equivalents and Short-Term Investments | 130.03B | 1.20B | 81.96B | 88.99B | 87.92B |
| Total Debt | 4.56B | 23.83B | 28.85B | 28.92B | 23.71B |
| Total Liabilities | 1.72T | 1.55T | 1.42T | 1.36T | 1.22T |
| Stockholders Equity | 165.00B | 142.08B | 121.93B | 98.96B | 80.77B |
Cash Flow | |||||
| Free Cash Flow | -9.98B | 50.39B | 933.56M | -5.31B | -16.53B |
| Operating Cash Flow | -5.28B | 51.41B | 1.05B | -4.07B | -15.68B |
| Investing Cash Flow | -179.53B | -1.02B | -2.57B | -1.24B | -851.85M |
| Financing Cash Flow | 165.54B | 127.54B | 131.43B | 6.38B | 9.41B |
Jammu & Kashmir Bank Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
81 Outperform | ₹107.73B | 8.20 | ― | 2.15% | 9.03% | 13.11% | |
76 Outperform | ₹107.66B | 7.43 | ― | 1.05% | 4.88% | 11.75% | |
73 Outperform | ₹284.35B | 11.12 | ― | 0.86% | 14.35% | 29.25% | |
69 Neutral | ₹102.79B | 7.77 | ― | 2.42% | 0.37% | 2.88% | |
68 Neutral | ₹188.67B | 14.31 | ― | 0.69% | 17.48% | 17.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | ₹158.46B | 6.55 | ― | 1.03% | 3.05% | 13.33% |
* Financial Sector Average
IN:J&KBANK
Jammu & Kashmir Bank Ltd.
140.20
38.56
37.94%
IN:CUB
City Union Bank Limited
255.55
61.73
31.85%
IN:KARURVYSYA
Karur Vysya Bank Ltd.
288.95
105.58
57.58%
IN:KTKBANK
Karnataka Bank Ltd.
269.05
76.64
39.83%
IN:SOUTHBANK
South Indian Bank Limited
41.39
12.30
42.28%
IN:TMB
Tamilnad Mercantile Bank Limited
693.00
256.11
58.62%
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.