ScoreWhy is The Jammu & Kashmir Bank Ltd. ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 74.12%
2
Healthy long term growth as Net profit has grown by an annual rate of 40.05%
3
The company has declared Positive results for the last 11 consecutive quarters
- NII(Q) Highest at Rs 1,508.68 cr
- PAT(HY) At Rs 1,082.43 cr has Grown at 34.94 %
- INTEREST EARNED(Q) Highest at Rs 3,206.08 cr
4
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 10-Feb-25 and has generated -5.61% returns since then
- A key technical factor - Bollinger Band has been Bearish since 10 Feb 2025
5
With ROA of 1.4, it has a Very 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 -33.92%, its profits have risen by 33.1% ; the PEG ratio of the company is 0.1
6
Increasing Participation by Institutional Investors
- Institutional investors have increased their stake by 0.77% over the previous quarter and collectively hold 13.89% of the company
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to J&K Bank should be less than 10%
- Overall Portfolio exposure to Public Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Public Banks)
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
-33.84%
-0.85
40.02%
SENSEX
0.45%
0.03
14.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
7.99%
Net Profit Growth (5y)
40.05%
Advance to Deposit
66.08%
Capital Adequacy Ratio (Tier 1)
11.26%
Gross NPA (latest)
4.08%
Gross NPA (avg)
6.76%
Coverage Ratio (avg)
74.12%
Cost to Income (avg)
64.71%
Net Interest Margin (avg)
3.94%
Operating Profit to Assets (avg)
4.06%
ROA (avg)
0.71%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Price to Book Value
0.73
PEG Ratio
0.14
Dividend Yield
2.35%
ROE (Latest)
15.44%
ROA (Latest)
1.41%
Net NPA to Book Value
6.49
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at Rs 1,508.68 cr
PAT(HY)
At Rs 1,082.43 cr has Grown at 34.94 %
INTEREST EARNED(Q)
Highest at Rs 3,206.08 cr
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 8,132.27 cr
PBDIT(Q)
Highest at Rs 505.79 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 15.78%
-4What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 68.10 %
NET NPA(Q)
Highest at 0.94 %
Loading Valuation Snapshot...
Here's what is working for J&K Bank
Net Interest Income (Quarterly)
Highest at Rs 1,508.68 cr and Grown
each quarter in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 3,206.08 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Interest Earned (Rs Cr)
Profit After Tax (PAT) - Half Yearly
At Rs 1,082.43 cr has Grown at 34.94 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 505.79 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 15.78%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Cash and Cash Equivalents - Half Yearly
Highest at Rs 8,132.27 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for J&K Bank
Net NPA - Quarterly
Highest at 0.94 %
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are increasing
Net NPA (%)
Credit Deposit Ratio - Half Yearly
Lowest at 68.10 %
in the last four periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
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