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Swing Capital

Jammu and Kashmir Bank Ltd

NSE: J&KBANK BSE: 532209Banking

Jammu & Kashmir Bank (J&K Bank), incorporated in Jammu & Kashmir, India, is a publicly held banking company engaged in providing a wide range of banking services including Retail Banking, Corporate Banking & Treasury Operations.[1] It is the only Private Sector Bank in the country assigned with responsibility of convening State/UT Level Bankers’ Committee (SLBC/UTLBC) meetings. The Bank continued to discharge its lead bank responsibility satisfactorily in 12 districts of UT of J&K, i.e. Srinagar, Ganderbal, Budgam, Baramulla, Bandipora, Kupwara, Anantnag, Kulgam, Pulwama, Shopian, Poonch and Rajouri.[2]

₹127
52W: ₹97.4 — ₹145
PE 5.9 · Book ₹152 · -16% vs book
Market Cap₹14,029 Cr
Stock P/E5.9Price to Earnings
ROCE5.83%Return on Capital
ROE15.2%Return on Equity
Div. Yield1.67%Face Value ₹1

Strengths

  • +Stock is trading at 0.84 times its book value
  • +Company has delivered good profit growth of 40.5% CAGR over last 5 years

Weaknesses

  • −Company has low interest coverage ratio.
  • −The company has delivered a poor sales growth of 10.1% over past five years.
  • −Contingent liabilities of Rs.7,081 Cr.
  • −Company might be capitalizing the interest cost
  • −Promoter holding has decreased over last 3 years: -4.01%

Shareholding Pattern

Promoters59.4%
FIIs8.35%
DIIs6%
Public26.26%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters59.4%59.4%59.4%59.4%59.4%59.4%59.4%59.4%
FIIs7.16%6.47%▼0.77.07%▲0.67.64%▲0.68.01%▲0.47.85%▼0.28.14%▲0.38.35%▲0.2
DIIs6.74%6.41%▼0.36.82%▲0.46.69%▼0.15.87%▼0.85.76%▼0.15.84%▲0.16%▲0.2
Public26.7%27.72%▲1.026.7%▼1.026.26%▼0.426.72%▲0.526.98%▲0.326.62%▼0.426.26%▼0.4

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses9037029519789931,0721,058955961886
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit421639415551532585485494587798
EPS ₹3.825.83.7754.835.314.44.495.337.24

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 6% (+3.57pp change). FIIs: 8.35% (+6.16pp change). Promoters hold 59.4%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 5.9x with 5.83% ROCE. Price is -16% above book value of ₹152. Dividend yield: 1.67%.

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