ScoreWhy is The Jammu & Kashmir Bank Ltd. ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 76.11%
2
Healthy long term growth as Net profit has grown by an annual rate of 66.50%
3
Flat results in Sep 25
- NII(Q) Lowest at Rs 1,433.99 cr
- PAT(Q) At Rs 494.11 cr has Fallen at -8.1% (vs previous 4Q average)
4
With ROA of 1.2, it has a Attractive valuation with a 0.8 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.26%, its profits have risen by 3.4% ; the PEG ratio of the company is 1.6
5
Majority shareholders : Promoters
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to J&K Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is J&K Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
J&K Bank
2.54%
-0.09
35.29%
Sensex
8.49%
0.43
11.83%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.09%
Net Profit Growth (5y)
69.76%
Advance to Deposit
67.83%
Capital Adequacy Ratio (Tier 1)
11.79%
Gross NPA (latest)
3.00%
Gross NPA (avg)
5.62%
Coverage Ratio (avg)
76.05%
Cost to Income (avg)
63.90%
Net Interest Margin (avg)
3.91%
Operating Profit to Assets (avg)
4.05%
ROA (avg)
1.00%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Price to Book Value
0.72
PEG Ratio
5.28
Dividend Yield
2.08%
ROE (Latest)
13.66%
ROA (Latest)
1.21%
Net NPA to Book Value
4.93
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 3,313.44 cr
GROSS NPA(Q)
Lowest at 3.00%
CREDIT DEPOSIT RATIO(HY)
Highest at 72.85%
PBT LESS OI(Q)
Highest at Rs 526.60 cr.
PAT(Q)
Highest at Rs 586.73 cr.
EPS(Q)
Highest at Rs 5.33
NET NPA(Q)
Lowest at 0.68%
-3What is not working for the Company
CASH AND CASH EQUIVALENTS(HY)
Lowest at Rs 6,055.05 cr
NON-OPERATING INCOME(Q)
is 34.67 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for J&K Bank
Interest Earned - Quarterly
Highest at Rs 3,313.44 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.00%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 526.60 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 586.73 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 5.33
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.68%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 72.85%
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for J&K Bank
Non Operating Income - Quarterly
is 34.67 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Cash and Cash Equivalents - Half Yearly
Lowest at Rs 6,055.05 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
CAR - Quarterly
Lowest at 15.00%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
