āagman

Not investment advice. Data and computed figures, for information only.

Jammu and Kashmir Bank Ltd

NSE: J&KBANK
₹134.33
−₹3.12 (−2.27%)
NSE · 16 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹15,222 Cr
CMP
₹134.33
52-wk High / Low
₹202 / 97
P/E
6.6
P/B
0.9
Book Value
₹154.0
Div Yield
0.00%
ROCE
5.8%
ROE
15.0%
Face Value
₹1
D/E
10.23

Price+26.5% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 15 quarters of filings. Not reported by the company.
As of 16 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹272
√(22.5 × EPS × book value per share)
Cash flow to profit
−0.48
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
15.0%
ROE × earnings retention ratio
ROE stability
3.2
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +1.03DII +1.85
Latest quarter vs the previous one
Cash-accrual divergence
1.9%
of assets
Low = accruals track cash flow
Strengths
+FII holding rose by 7.1pp over the last year
+PE of 6.6x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 5.8% trails the sector median of 9.4%
−Borrowings are up 53.2% since FY2016 (2240 to 3431)
−Price trades below its 200-day moving average (1.0x)
−Price is 33.4% below its 52-week high
−Promoter holding fell by 4.0pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Consolidated basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales2,6572,7642,8812,9102,9943,1243,2103,2133,2693,2933,3153,2733,547
Expenses1,0629829067059549809961,0751,0619589648891,095
Operating Profit—————————————
OPM %—————————————
Other Income230193186229198301242403253157280262217
Interest1,3741,4301,6001,6041,6251,6871,6971,7321,8031,8581,8241,7842,049
Depreciation0000000000000
Profit before tax452545561830614757758810659635807862621
Net Profit331384423633418553529582485495581799429
EPS (₹)3.213.723.845.753.805.024.805.284.404.495.287.253.89

Profit & Loss

As of 30 Jun 2026
Consolidated · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales7,0616,8446,6866,6217,6768,4468,1118,0139,35511,21312,54113,15113,429
Expenses2,3362,4664,4313,1543,4395,2343,8023,7743,5673,4373,8343,7413,907
Operating Profit—————————————
OPM %—————————————
Other Income5995094975018175097017537658381,140951918
Interest4,4094,1324,1733,7504,2914,7394,3404,1014,6096,0086,7417,2697,515
Depreciation956485971041261341441582181681280
Profit before tax820689−1,507121659−1,1445377471,7862,3882,9392,9642,925
Net Profit508414−1,633203464−1,1834284951,1811,7712,0822,3602,304
EPS (₹)10.498.54−31.323.648.33−16.596.015.3011.4416.0818.9121.4320.91

Balance Sheet

As of 30 Jun 2026
Consolidated · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital4848525656717193103110110110—
Reserves6,0606,3725,6216,1026,5666,2746,7317,9849,79312,08314,09816,390—
Other Liabilities1,7262,2142,6041,8942,5222,6783,4085,42511,0974,6624,2803,687—
Total Liabilities75,91080,25482,01289,6841,01,4051,08,8291,20,2731,30,5761,45,9131,54,5051,69,4241,88,960—
Fixed Assets6557061,4791,5981,6462,0361,9711,9082,2242,2082,1262,445—
CWIP345964172935414647506688—
Investments22,74020,33421,27118,86023,14022,99030,77433,78534,78034,90041,12240,520—
Other Assets52,48159,15659,19869,21076,58983,76887,48694,8371,08,8601,17,3471,26,1101,45,906—
Total Assets75,91080,25482,01289,6841,01,4051,08,8291,20,2731,30,5761,45,9131,54,5051,69,4241,88,960—
Deposits66,33669,37972,45980,00589,63797,7861,08,0471,14,7031,22,0271,34,7651,48,5521,65,342—
Borrowing1,7402,2401,2761,6282,6242,0202,0152,3712,8922,8852,3833,431—

Cash Flows

As of 31 Mar 2026
Consolidated · ₹ Cr
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−683118−2192,4572,363−2,9924,374−14−1,568−407−8532,723−1,126
Cash from Investing Activity−169−261−136−861−164−165−115−76−85−124−257−102−302
Cash from Financing Activity−338−338−176593668769−339−199941638407−1,034−500
Net Cash Flow−1,189−480−5312,1892,867−2,3883,920−289−712107−7021,587−1,928

Ratios

As of 31 Mar 2026
13 periods
Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %————————————5.8
ROE %22.09.07.0−27.03.07.0−18.07.07.013.016.016.015.0
EPS (₹)24.3610.498.54−31.323.648.33−16.596.015.3011.4416.0818.9121.43
Book Value (₹)————————————154.0
Face Value (₹)————————————1
P/E————————————6.6
Div Yield %————————————0.00
NPM %—6.65.6−22.72.95.5−13.24.95.611.714.715.216.7
OPM %—————————————
D/E—11.1511.1613.0013.2613.9315.7316.1814.4912.6211.2910.6210.23
P/B————————————0.9

Growth

As of 11 Oct 2026
Compounded sales growth
10 years+7.0%
5 years+10.0%
3 years+12.0%
TTM+5.0%
Compounded profit growth
10 years+19.0%
5 years+41.0%
3 years+26.0%
TTM+7.0%
Stock price CAGR
10 years+6.0%
5 years+30.0%
3 years+7.0%
Last year+29.0%
Return on equity
10 years7.0%
5 years14.0%
3 years16.0%
Last year15.0%

Shareholding pattern

As of 31 Mar 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters53.17%53.17%59.23%59.23%68.18%68.18%70.12%63.41%59.40%59.40%59.40%59.40%
FIIs17.69%17.69%15.99%15.75%10.40%3.59%0.71%2.24%6.99%7.64%8.35%9.38%
DIIs8.91%8.91%8.16%7.93%5.00%0.19%0.21%2.66%7.90%6.69%6.00%7.85%
Government————————————
Public20.23%20.23%16.62%17.09%16.42%28.04%28.96%31.69%25.71%26.26%26.26%23.37%
No. of shareholders84,86884,86878,40186,0341,01,4371,42,2141,92,5881,72,0742,15,2942,80,1872,40,5392,19,636
Change since Jun 2023 (pp)
Promoters +6.23FIIs −8.31DIIs −1.06Public +3.14

Documents

As of 11 Oct 2026
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Newspaper PublicationProvisional Business FiguresAnnouncement under Regulation 30 (LODR)-Credit RatingAnnouncement under Regulation 30 (LODR)-Change in Management
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Aug 2026TranscriptAug 2026PPTMay 2026PPTMay 2026PPTJan 2026TranscriptJan 2026PPTOct 2025TranscriptOct 2025PPTOct 2025Recording

Corporate actions

As of 19 Aug 2025
19 Aug 2025DIVIDENDDividend - Rs 2.15 Per Share—
9 Aug 2024DIVIDENDAnnual General Meeting/Dividend - Rs 2.15 Per Share—
17 Aug 2023DIVIDENDAnnual General Meeting/Dividend - Rs 0.50 Per Share—
11 Jul 2016DIVIDEND Dividend - Rs 1.75/- Per Share—
13 Aug 2015DIVIDEND Dividend - Rs 2.10/- Per Share—
4 Sep 2014SPLITFace Value Split - From Rs 10/- Per Share To Re 1/- Per Share10 : 1
24 Jul 2014DIVIDENDDividend - Rs 50/- Per Share—
13 Jun 2013DIVIDENDAnnual General Meeting And Dividend Rs.50/- Per Share—
5 Jul 2012DIVIDENDAnnual General Meeting And Dividend Rs.33.50 Per Share—
29 Jun 2011DIVIDENDAnnual General Meeting And Dividend Rs.26/- Per Share—
22 Jul 2010DIVIDENDDividend Rs 22 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman