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The Jammu & Kashmir Bank Limited - Technical chart

consolidated in Rs/Cr.
Industry

Industry name

 Banks
Variance

Full Year Net Profit Variance

 13
Equity

Latest Equity

 110.12
Face Value

Latest Face Value

 1
Reserves

Total Reserve

 15150.96
Dividend

Full Year Dividend %

 0
Sales Turnover

Full Year Net Sales

 14101.38
Net Profit

Full Year Net Profit

 2359.51
Full Year CPS

Full Year Cash Per Share

 21.4
Earning Per Share

Full Year Earning Per Share

 21.4
Quarter CPS

Latest quarter Cash Per Share

 0
Latest Quarter Date

Latest Quarter Yrc

 Mar 1, 2026
Latest Quarter Sales

Latest Quarter Net Sales

 3535.79
Previous EPS

Previous earnings per share

 0
Book Value

Book value

 138.6
Networth

Full Year Return on Networth

 17.46
Price/Book Value

Price to Book value

 1.197691
Yearly PE ratio

Full Year Price to Earning per share

7.7
Yearly PC ratio

Full Year Price to Cash Per Share

7.7
Bse value

BSE Value in lakhs

 756.59
Nse value

NSE Value in lakhs

 17778.57
High

52 week high

 171
Low

52 week low

 97
Price

NSE Current market price

 166
CPM

Current market price

 166
Market cap

BSE / NSE Market Cap

 18263.11
Net profit

Latest Quarter Net Profit

 798.56
Net profit variance

Latest Quarter Net Profit variance

37
Result year

Trailing latest month

 Mar 1, 2026
TTM Sales

Trailing Twelve 12 month Net Sales

12823.09
TTM OP

Trailing Twelve 12 month Operating Profit

 9278.35
TTM OPM

Trailing Twelve 12 month Operating Profit Margin

 72.36
TTM GP

Trailing Twelve 12 month Gross Profit

 2963.58
TTM GPM

Trailing Twelve 12 month Gross Profit Margin

21.02
TTM NP

Trailing Twelve 12 month Net Profit

2027.49
TTM NPV

Trailing Twelve 12 month Net Profit Variane

13.38
TTM EPS

Trailing Twelve 12 month EPS

 21.43
TTM PE

Trailing Twelve 12 month PE

 7.74
TTM CPS

Trailing Twelve 12 month CPS

 0
Month CPS

Month Cash Per Share

 0
TTM Depreciation

Trailing Twelve 12 month Depreciation

 0
Equity

Latest Equity

 110.12
LTP

Latest Price (BSE/NSE)

 166
Gross block

Latest Gross Block

 4060.61
Loans

Total loans

 148552.02
Advances

Latest Advances for Banks

 104183.82
Net profit asset

Latest Assets

 833.55
Year OPM

Full Year Operating Profit Margin

65.8
Year GPM

Full Year Gross Profit Margin

 21
Quarter OPM

Latest quater Operation Profit Margin

74.8

Quarterly Results (consolidated, figures in Rs Cr.)

Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
+ Sales 2,994 3,124 3,210 3,213 3,269 3,293 3,315 3,273
YOY Sales Growth % 13% 13% 11% 10% 9% 5% 3% 2%
Gross Sales 2,994 3,124 3,210 3,213 3,269 3,293 3,315 3,273
+ Expenses 954 980 996 1,075 1,061 958 964 889
Manufacturing Cost % 9% 9% 9% 11% 12% 10% 10% 10%
Employee Cost % 23% 21% 22% 23% 20% 20% 20% 16%
Other Cost % -1% 1% -0% -0% 0% -0% -1% 2%
Other Manufacturing Expenses % 9% 9% 9% 11% 12% 10% 10% 10%
Provisions & Contingencies % -1% 1% -0% -0% 0% -0% -1% 2%
Operating Profit 2,040 2,144 2,214 2,138 2,209 2,335 2,351 2,384
OPM % 68% 69% 69% 67% 68% 71% 71% 73%
+ Other Income 198 301 242 403 253 157 280 262
Miscellaneous Income 198 301 242 403 253 157 280 262
Interest / Discount on Advances or Bills 2,283 2,358 2,398 2,384 2,430 2,391 2,435 2,452
Interest on Investments 610 649 695 714 723 767 746 685
Interest on Balances with RBI 4 18 10 16 11 24 9 8
Other Interest 97 98 106 99 105 111 125 128
Interest 1,625 1,687 1,697 1,732 1,803 1,858 1,824 1,784
Depreciation 0 0 0 0 0 0 0 0
Profit before tax 614 757 758 810 659 635 807 862
+ Tax % 32% 27% 30% 28% 26% 22% 27% 7%
Current Tax 186 192 98 211 171 152 226 199
Deferred Tax 11 12 128 14 2 -12 -6 -136
+ Net Profit 419 553 529 582 485 495 581 799
Profit / Loss of Associates 2 0 -3 -3 -1 0 -6 -1
Net Profit After Minority Interest 419 553 529 582 485 495 581 799
EPS in Rs 3.80 5.02 4.80 5.28 4.40 4.49 5.28 7.25

Profit & Loss (consolidated, figures in Rs Cr.)

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
+ Sales 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 11,213 12,541
Sales Growth % -2% -1% 16% 10% -4% -1% 17% 20% 12%
Gross Sales 6,844 6,686 6,621 7,676 8,446 8,111 8,013 9,355 11,213 12,541
+ Expenses 2,527 4,515 3,251 3,545 5,318 3,934 3,918 3,725 3,655 4,008
Manufacturing Cost % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Employee Cost % 15% 17% 19% 21% 22% 25% 33% 29% 23% 22%
Other Cost % 22% 50% 29% 24% 40% 23% 15% 11% 9% 9%
Other Manufacturing Expenses % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Selling & Administration % 3% 3% 3% 3% 3% 3% 3% 3% 3% 3%
Miscellaneous Expenses % 18% 46% 24% 20% 36% 18% 10% 6% 4% 5%
Provisions & Contingencies % 14% 42% 15% 14% 31% 13% 4% 1% -1% -0%
Operating Profit 4,316 2,171 3,371 4,130 3,128 4,177 4,095 5,630 7,558 8,533
OPM % 63% 32% 51% 54% 37% 51% 51% 60% 67% 68%
+ Other Income 509 497 501 817 509 701 753 765 838 1,147
Miscellaneous Income 504 493 495 823 550 707 791 765 838 1,144
Interest / Discount on Advances or Bills 5,028 4,784 4,978 5,935 6,573 6,063 6,015 6,998 8,609 9,423
Interest on Investments 1,647 1,783 1,432 1,552 1,608 1,731 1,677 2,071 2,265 2,669
Interest on Balances with RBI 145 117 212 160 266 317 241 94 37 49
Other Interest 24 2 0 29 0 0 81 193 302 400
Interest 4,132 4,173 3,750 4,291 4,739 4,340 4,101 4,609 6,008 6,741
Depreciation 64 85 97 104 126 134 144 158 218 168
Profit before tax 692 -1,506 121 657 -1,102 538 747 1,786 2,388 2,939
+ Tax % 40% -8% -68% 30% -4% 19% 32% 33% 26% 29%
Current Tax 256 146 157 272 72 37 215 531 590 687
Deferred Tax 20 -20 -239 -77 -33 65 27 56 28 165
+ Net Profit 416 -1,632 203 462 -1,142 428 495 1,181 1,771 2,082
Profit Growth % -492% -112% 128% -347% -138% 16% 138% 48% 18%
Extraordinary Income / Expense 0 0 -238 0 0 0 -255 0 0 0
Exceptional Item 0 0 0 0 0 0 -255 0 0 0
Profit / Loss of Associates 0 0 0 0 0 -6 -10 -18 1 -4
Net Profit After Minority Interest 414 -1,633 203 464 -1,183 428 495 1,181 1,771 2,082
EPS in Rs 8.18 0.00 3.64 8.33 -16.58 6.09 5.41 11.62 16.07 18.94

Balance Sheet (consolidated, figures in Rs Cr.)

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 48 52 56 56 71 71 93 103 110 110
Reserves 6,372 5,621 6,102 6,566 6,274 6,731 7,890 9,793 12,083 14,098
+ Borrowings 71,619 73,735 81,633 92,261 99,805 110,063 117,074 124,919 137,650 150,935
Secured Borrowings 2,240 1,276 1,628 2,624 2,020 2,015 2,371 2,892 2,885 2,383
Unsecured Borrowings 69,379 72,459 80,005 89,637 97,786 108,047 114,703 122,027 134,765 148,552
+ Other Liabilities 2,214 2,604 1,894 2,522 2,678 3,408 5,519 11,097 4,662 4,280
Current Liabilities 2,214 2,604 1,894 2,522 2,678 3,408 5,425 11,097 4,662 4,280
Equity Application Money 0 0 0 0 0 0 94 0 0 0
Total Liabilities 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 154,505 169,424
+ Fixed Assets 706 1,479 1,598 1,646 2,036 1,971 1,908 2,224 2,208 2,126
Gross Block 1,430 2,286 2,497 2,646 3,159 3,227 3,302 3,776 3,976 4,061
Accumulated Depreciation 724 806 899 1,000 1,123 1,255 1,395 1,551 1,768 1,934
CWIP 59 64 17 29 35 41 46 47 50 66
Investments 20,334 21,271 18,860 23,141 22,990 30,774 33,785 34,780 34,900 41,122
+ Other Assets 59,156 59,198 69,210 76,589 83,768 87,486 94,837 108,860 117,347 126,110
Cash Equivalents 3,204 5,393 8,260 5,872 9,793 9,504 8,792 8,899 8,196 9,783
Loans n Advances 55,951 53,805 60,949 70,717 73,975 77,982 86,045 99,962 109,150 116,327
Other asset items 0 0 0 0 0 0 0 0 0 0
Total Assets 80,254 82,012 89,684 101,405 108,829 120,273 130,576 145,913 154,505 169,424

Cash Flow (consolidated, figures in Rs Cr.)

Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
+ Cash from Operating Activity -219 2,457 2,363 -2,992 4,374 -14 -1,568 -407 -853 2,723
Profit from Operations 1,781 1,431 1,588 2,053 1,846 1,901 1,364 2,209 2,830 3,517
Working Capital Changes -1,606 1,099 956 -5,008 2,661 -1,828 -2,689 -2,161 -3,216 -63
Profit Before Tax & Extraordinary Items 689 -1,507 121 659 -1,144 532 737 1,768 2,389 2,934
Depreciation 61 137 108 78 98 135 109 145 263 119
Interest (Net) 54 55 114 231 239 199 199 222 285 298
Profit / Loss on Sale of Investments 0 0 0 0 0 0 0 0 0 171
Provisions & Write-offs (Net) 976 2,745 1,246 1,084 2,652 1,050 320 74 -108 -4
Loans & Advances -6,477 -1,853 -8,313 -10,368 -620 -3,452 -3,783 -11,844 -11,405 -10,422
Change in Borrowing -100 -1,464 -148 -4 -4 -4 -4 0 -7 -2
Change in Deposits 3,643 3,080 7,546 9,632 8,149 10,261 6,655 7,324 12,737 13,789
Direct Taxes Paid -394 -72 -181 -36 -133 -88 -244 -455 -466 -731
+ Cash from Investing Activity -136 -861 -164 -165 -115 -76 -85 -124 -257 -102
Purchase of Fixed Assets -136 -861 -164 -165 -115 -76 -85 -124 -186 -102
Investment in Subsidiaries 0 0 0 0 0 0 0 0 -72 0
+ Cash from Financing Activity -176 593 668 769 -339 -199 941 638 407 -1,034
Proceeds from Issue of Shares 0 250 282 0 500 0 687 432 744 0
Proceeds from Issue of Debentures 0 500 500 1,000 0 0 360 521 0 0
Share Application Money 0 0 0 0 0 0 94 -94 0 0
Redemption of Debentures 0 0 0 0 -600 0 0 0 0 -500
Dividend Paid -122 -102 0 0 0 0 0 0 -52 -237
Interest Paid -54 -55 -114 -231 -239 -199 -199 -222 -285 -298
Net Cash Flow -531 2,189 2,867 -2,388 3,920 -289 -712 107 -702 1,587