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
Positive results in Dec 25
- INTEREST EARNED(Q) Highest at Rs 3,313.44 cr
- GROSS NPA(Q) Lowest at 3.00%
- PBT LESS OI(Q) Highest at Rs 526.60 cr.
4
With ROA of 1.2, it has a Attractive valuation with a 0.7 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 0.96%, its profits have risen by 3.4% ; the PEG ratio of the company is 1.5
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
0.98%
0.03
34.22%
Sensex
6.63%
0.59
11.31%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
10.41%
Net Profit Growth (5y)
66.50%
Advance to Deposit
67.40%
Capital Adequacy Ratio (Tier 1)
11.96%
Gross NPA (latest)
3.32%
Gross NPA (avg)
5.83%
Coverage Ratio (avg)
76.11%
Cost to Income (avg)
63.85%
Net Interest Margin (avg)
4.03%
Operating Profit to Assets (avg)
4.20%
ROA (avg)
0.94%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Price to Book Value
0.72
PEG Ratio
1.53
Dividend Yield
2.17%
ROE (Latest)
13.80%
ROA (Latest)
1.20%
Net NPA to Book Value
5.24
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
INTEREST EARNED(Q)
Highest at Rs 3,313.44 cr
GROSS NPA(Q)
Lowest at 3.00%
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%
-2What is not working for the Company
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 (%)
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
CAR - Quarterly
Lowest at 15.00%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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