The Jammu & Kashmir Bank Ltd.

₹129.22

3.2 (2.5%)

J&KBANK Share Price

Banks

As on April 27, 2026

SectorFinancial Services

IndustryBanks

Basic IndustryPrivate Sector Bank

Market Cap₹ 14,217 Cr

P/E Ratio6.83

Dividend Yield1.66 %

Trendline Performance

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Technicals

Indicators	Value	Signal
5-DMA	129.64	Bearish
10-DMA	129.41	Bearish
20-DMA	123.26	Bullish
50-DMA	117.64	Bullish
100-DMA	109.99	Bullish
200-DMA	107.77	Bullish

Historical Performance

1 Year

32.4%

3 Years

137.8%

5 Years

451%

10 Years

88.5%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Interest Earned	1,25,411	1,12,132	93,552	80,130	81,111
Other Income	11,469	8,377	7,652	7,535	7,015
Operating Expenses	40,120	37,626	36,509	35,986	28,842
Profit Before Tax	1,09,548	96,978	92,360	85,847	84,086
Consolidated Net Profit	20,818	17,712	11,805	4,949	4,284
Adjusted EPS	19	16	11	5	6

Compounded Sales Growth

10 Years:12.2

5 Years:8.2

3 Years:9.4

TTM:2.3

Compounded Profit Growth

10 Years:32.6

5 Years:-8.7

3 Years:32.9

TTM:3.3

Stock Price CAGR

10 Years:6.3

5 Years:39.9

3 Years:30.4

TTM:34.4

Return on Equity

10 Years:8.6

5 Years:6.1

3 Years:11.6

last year:18.9

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	1,101	1,101	1,032	933	714
Total Reserves	1,40,982	1,20,826	97,932	78,903	67,309
Total Liabilities	16,94,235	15,45,046	14,59,126	13,05,760	12,02,730
Investments	4,11,217	3,49,002	3,47,804	3,37,853	3,07,741
Other Fixed Assets	24,167	18,073	16,309	15,217	14,474
Capital Work in Progress	656	495	473	464	414
Other Assets	1,21,430	1,53,935	1,76,840	1,56,519	1,11,405
Total Assets	16,94,235	15,45,046	14,59,126	13,05,760	12,02,730

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a low PE of 6.83, which may indicate undervaluation or subdued growth expectations.
Over the last three years, the stock delivered a strong 3-year price CAGR of 30.5%, indicating sustained price appreciation.
The stock carries a high beta of 1.5, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹29337 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹125359 million, indicating a large and established business.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 1344081.5

No. of Shares: 10401 (Approx)

Performance:34.4%

P/L: ₹344081.5

NIFTY Performance: -1%

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