The Jammu & Kashmir Bank Limited
J%26KBANK · General/Diversified · NSE
₹130
Current Market Price
Fair Value (DCF)
₹438
Margin of Safety
+236.4%
Updated 54m ago
YieldIQ Score
76/100
Piotroski F-Score
8/9
Economic Moat
Wide
Confidence
45%
ROE
14.7%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.14 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.04×
Revenue per ₹ of assets
Revenue CAGR (3Y)
14.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹130.09
Bear case
₹275.14
MoS +52.7%
Base case
₹437.63
MoS +70.3%
Bull case
₹627.66
MoS +79.3%
Ratio Trends
J%26KBANK · last 4 annual periods
ROE
14.7%
ROCE
—
Operating Margin
—
Debt / Equity
0.17×
PE
4.6×
EV / EBITDA
—
Historical Financials
J%26KBANK · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹4665 Cr | ₹5426 Cr | ₹5966 Cr | ₹7036 Cr | +14.7% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹495 Cr | ₹1181 Cr | ₹1771 Cr | ₹2082 Cr | +61.4% |
| EPS (diluted) | — | — | — | — | — |
| CFO | ₹-1568 Cr | ₹-407 Cr | ₹-853 Cr | ₹2723 Cr | — |
| CapEx | ₹-85.2 Cr | ₹-124 Cr | ₹-186 Cr | ₹-102 Cr | — |
| FCF | ₹-1653 Cr | ₹-531 Cr | ₹-1038 Cr | ₹2621 Cr | — |
| Total Assets | ₹130.6K Cr | ₹145.9K Cr | ₹154.5K Cr | ₹169.4K Cr | +9.1% |
| Total Debt | ₹2371 Cr | ₹2892 Cr | ₹2885 Cr | ₹2383 Cr | +0.2% |
| Shareholders' Equity | ₹8077 Cr | ₹9896 Cr | ₹12.2K Cr | ₹14.2K Cr | +20.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
J%26KBANK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| PSB Punjab & Sind Bank | -17.1% | 23 | Overvalued | 7.6% | — |
| UJJIVANSFB Ujjivan Small Finance Bank Limited | +114.1% | 48 | Undervalued | 11.9% | — |
| RBLBANK RBL Bank Limited | +109.1% | 40 | Undervalued | 457.6% | — |
| CUB City Union Bank Limited | +35.8% | 66 | Undervalued | 11.9% | — |
| TMB Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 13.1% | — |
Click a ticker to view its fair-value analysis.
Dividend History
4 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹4.80/sh
Last payout
2025-08-19
₹2.15
Peak payout
₹2.15
Trailing yield
1.65%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. The Jammu & Kashmir Bank Limited (J&KBANK.NS) trades at 130.09 vs a model fair value of 437.63, a gap of 236.4%. Piotroski F-score: 8/9. ...
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Risk profile of J%26KBANK →
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ROE decomposition
Why ROE is what it is →
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Analyse J%26KBANKNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.