Price Summary

FinStar

Ownership Below Par

Stock price may face volatility due to ownership structure.

ValuationAttractive

The stock is considerably attractive based on intrinsic value.

EfficiencyPoor

The company seems highly inefficient in case of asset management.

FinancialsWeak

Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Net Interest Income

3706.67 Cr.

Your Added Ratios

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 Group Companies

Ratios

ROE%

1 Year-19.96%

3 Year-2.7%

5 Year-5.98%

ROA%

1 Year-1.08%

3 Year-0.12%

5 Year-0.37%

Net NPA%

1 Year3.48%

3 Year4.42%

5 Year4.53%

 NIM

1 Year3.81%

3 Year3.59%

5 Year3.55%

Cost of Liabilities %

4.74874801378265

Advances Growth %

-2.82540503319049

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 68.18 0
Mar 2021 68.18 0
Dec 2020 68.18 0
Sep 2020 68.18 0
Jun 2020 68.18 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Interest Earned 2038.32 2044.84 2076.37 1951.56 1990.47
Other Income 119.62 149.63 271.65 178.09 221.01
Interest Expended 1133.97 1100.96 1071.24 1034.14 1021.18
Operating Expenses 693.75 590.32 713.31 781.16 792.12
Total Provisions 266.37 324.92 457.61 28.26 215.82
Profit Before Tax 63.85 78.27 105.86 286.09 182.36
Tax 57.35 34.34 39.92 -29.66 78.04
Net Profit 6.5 43.93 65.94 315.75 104.32
Net NPA % 3.05 3.03 2.5 2.95 2.94
Gross NPA % 10.73 8.87 8.71 9.67 9.69
Return on Assets % 0.02 0.16 0.23 1.08 0.35
NPM % 0.32 2.15 3.18 16.18 5.24

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 6843.57 6685.8 6621.4 7675.56 8446.29
Other Income 504.03 492.86 495.31 812.63 545.92
Interest Expended 4133.48 4173.86 3750.61 4291.63 4739.62
Operating Expenses 1546.2 1710.46 1984.23 2478.66 2727.54
Total Provisions 976.23 2800.3 1260.92 1058.17 2625.1
Profit Before Tax 691.68 -1505.97 120.96 659.73 -1100.05
Taxes 275.65 126.32 -81.76 194.85 39.36
Net Profit 416.03 -1632.29 202.72 464.88 -1139.41
Adjusted EPS (Rs.) 8.58 -31.31 3.64 8.35 -15.97

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 48.49 52.15 55.7 55.7 71.36
Total Reserves 6375.48 5624.35 6105.51 6570.4 6322.12
Deposits 69390.25 72463.09 80006.5 89638.9 97788.23
Borrowings 2240 1276.05 1628.34 2623.96 2019.58
Other Liabilities 2213.84 2603.04 1891.57 2517.34 2670.81
Total Liabilities 80268.07 82018.67 89687.62 101406.29 108872.1
Assets
Balance with RBI 3126.74 3590.97 4328.36 4874.97 2947.48
Balance with Banks 76.27 1794.96 3924.52 986.91 6835.35
Investments 20353.62 21290.89 18880.03 23160.5 23052.24
Advances 50193.29 49816.11 56912.74 66271.51 64399.07
Net Block 705.12 1478.97 1598.04 1645.73 2035.7
Other Assets 5754.44 3982.42 4027.37 4437.71 9567.44
Total Assets 80268.07 82018.67 89687.62 101406.29 108872.1

Corporate Actions

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 19.88 24.65 25.85 28.04 29.81
iepf 0.1 0.11 0.11 0.11 0.11
qualified institutional b... 0 2.15 2.15 0 0
life insurance corporatio... 0 0 0 2.15 0
qualified instutional buy... 0 0 0 2.15 0
qualified institutional b... 0 0 0 0 2.15
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 11.94 7.17 5.97 3.78 2.01
east bridge capital maste... 0 0 0 1.44 0

J&K Bank Stock Price Analysis and Quick Research Report. Is J&K Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how J&K Bank is performing and if it is the right time to buy the stock of J&K Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. J&K Bank has earned Rs 8446.2889 Cr. revenue in the latest financial year. It has posted decent revenue growth of 8.1028576205876 % in last 3 Years.

  • In terms of advances, the bank reported -2.82540503319049 % YOY,  fall . If you see 3 years advance growth, it stands at 8.935621789947 %.

  • Currently the company has a CASA ratio of 53.6560754757079 %. It’s overall cost of liability stands at 4.74874801378265 %. Also, the total deposits from these accounts stood at Rs 97788.2315 Cr.

  • The Bank has a Poor ROA track record. The ROA of J&K Bank is at -1.08371785799737 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 9.11 % and 3.48 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 148.079983707653 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of J&K Bank decreased and is currently at Rs 545.9207 Cr.

  • The company has a inadequate Capital Adequacy Ratio of 11.4 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently J&K Bank is trading at a P/B of 0.365 . The historical average PB was 0.50033323369605.

Brief about J&K Bank

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Zawodniak- Bushar street no. 43, 41415 Nouakchott, Mauritania

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Janeicia Dischner
+77 583 658 542
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