ScoreWhy is The Jammu & Kashmir Bank Ltd. ?
1
High Management Efficiency with a high ROA of 1.55%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.55%
3
Healthy long term growth as Net profit has grown by an annual rate of 40.47%
4
Positive results in Mar 26
- CREDIT DEPOSIT RATIO(HY) Highest at 74.17%
- PBDIT(Q) Highest at Rs 651.40 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 19.91%
5
With ROA of 1.2, it has a Very Attractive valuation with a 0.9 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 28.69%, its profits have risen by 13.5% ; the PEG ratio of the company is 0.5
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
J&K Bank
28.69%
0.85
33.88%
Sensex
-8.36%
-0.64
13.04%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.82%
Net Profit Growth (5y)
40.47%
Advance to Deposit
68.53%
Capital Adequacy Ratio (Tier 1)
13.11%
Gross NPA (latest)
2.50%
Gross NPA (avg)
4.93%
Coverage Ratio (avg)
76.22%
Cost to Income (avg)
62.70%
Net Interest Margin (avg)
4.04%
Operating Profit to Assets (avg)
4.20%
ROA (avg)
1.55%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Price to Book Value
0.88
PEG Ratio
0.46
Dividend Yield
1.61%
ROE (Latest)
14.11%
ROA (Latest)
1.25%
Net NPA to Book Value
4.69
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 74.17%
PBDIT(Q)
Highest at Rs 651.40 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 19.91%
GROSS NPA(Q)
Lowest at 2.50%
PBT LESS OI(Q)
Highest at Rs 601.13 cr.
PAT(Q)
Highest at Rs 797.80 cr.
EPS(Q)
Highest at Rs 7.24
NET NPA(Q)
Lowest at 0.64%
-2What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for J&K Bank
Operating Profit (PBDIT) - Quarterly
Highest at Rs 651.40 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 19.91% and Grown
each quarter in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit After Tax (PAT) - Quarterly
At Rs 797.80 cr has Grown at 48.4% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 537.56 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 2.50%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 74.17% and Grown
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 (%)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 601.13 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 601.13 cr has Grown at 32.0% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 455.44 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 797.80 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.24
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Net NPA - Quarterly
Lowest at 0.64%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 16.55%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
