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Jammu & Kashmir Bank LtdPrivate Sector BankINE168A01041Consolidated₹146.58-0.70 (-0.48%)Jun-26

Valuation

Market Cap₹16.14K Cr

TTM PE7.01x

Forward PE6.70x

PEG-2.95

Book Value₹149.84

P/B0.98x

TTM EPS₹20.91

Fwd EPS₹21.89

TTM Revenue₹13.43K Cr

TTM PAT₹2.31K Cr

Last Qtr PAT₹425.32 Cr

Profitability

ROE13.98%

ROCE14.68%

TTM NPM17.18%

Curr OPM11.30%

Last OPM22.60%

Curr NPM—

Last NPM—

Curr EPS₹3.89

Last EPS₹7.25

Balance sheet

Equity₹110.13 Cr

Reserve₹16.39K Cr

Total Debt₹3,431.00 Cr

D/E0.21x

Interest %0.00%

Curr Interest₹0.00 Cr

Price / range

Close₹146.58

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D-0.48%

1W+0.90%

1M-2.44%

3M-10.02%

6M+18.74%

1Y+40.36%

2Y+39.33%

3Y+36.62%

5Y+278.76%

Diwali+45.06%

Sector peers — Private Sector Bank

Company	Close	Mkt Cap	TTM P/E	ROE
HDFCBANK	731.00	₹11.26L Cr	14.23	13.94%
ICICIBANK	1338.90	₹9.60L Cr	17.08	15.67%
KOTAKBANK	412.50	₹4.10L Cr	25.09	12.86%
AXISBANK	1257.00	₹3.91L Cr	14.06	13.06%
IDBI	83.06	₹89.31K Cr	9.58	13.59%
FEDERALBNK	332.75	₹82.12K Cr	17.49	11.76%
INDUSINDBK	966.30	₹75.29K Cr	56.94	2.01%
IDFCFIRSTB	85.92	₹74.02K Cr	33.05	4.86%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	3,546+8.5%	3,271.67	3,313.44	3,291.82	3,268.27	13,145.20
Other Income	214.02	259.39	279.46	154.89	250.30	939.85
Total Income	3,760.02+6.9%	3,531.06	3,592.90	3,446.71	3,518.57	14,085.05
Interest	0	0	0	0	0	0
Expenditure	-1,007.86+3.4%	-836.08	0	0	-1,042.89	-3,829.13
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	619.24-5.9%	860.52	806.06	633.55	657.75	2,957.88
Tax	-195.06	-62.72	-219.33	-139.44	-172.91	-594.40
Equity	110.13	110.13	110.13	110.13	110.13	110.13
OPM	16.47	24.37	24.33	19.25	18.69	21.00
Net Profit	424.18-12.5%	797.80	586.73	494.11	484.84	2,363.48
NPM	11.28	22.59	17.71	15.01	13.78	16.78
EPS	3.85-12.5%	7.24	5.33	4.49	4.40	21.46

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24	FY 22-23	FY 21-22	FY 20-21
Revenue	13,145.20+4.9%	12,535.86+11.8%	11,212.37+19.9%	9,355.11+16.7%	8,013.48-1.2%	8,111.09
Other Income	939.85	1,136.81	825.48	756.81	780.93	718.99
Total Income	14,085.05+3.0%	13,672.67+13.6%	12,037.85+19.0%	10,111.92+15.0%	8,794.41-0.4%	8,830.08
Expenditure	-3,829.13+4.3%	-4,000.84-6.6%	-3,752.29-3.0%	-3,643.60-9.7%	-3,322.78-15.4%	-2,878.54
Interest	0	0	0	0	0	0
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	2,957.88+0.8%	2,933.70+23.0%	2,384.57+33.6%	1,784.36+140.3%	742.70+39.1%	534.07
Tax	-594.40	-851.24	-617.30	-586.98	-241.14	-101.95
Equity	110.13	110.13	110.13	103.16	93.30	71.36
OPM (%)	21.00	21.46	20.00	18.00	8.00	6.00
Net Profit	2,363.48+13.5%	2,082.46+17.8%	1,767.27+47.6%	1,197.38+138.7%	501.56+16.1%	432.12
NPM (%)	16.78	15.23	15.00	12.00	6.00	5.00
EPS (Rs)	21.46+13.5%	18.91+12.6%	16.80+35.2%	12.43+105.8%	6.04-0.3%	6.06
CEPS	21.46	18.91	16.80	12.43	6.04	6.06

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	3,547.48+8.5%	3,273.34	3,314.94	3,293	3,269.45	13,150.70
Other Income	217.48	262.45	281.92	157.26	253.20	950.65
Total Income	3,764.96+6.9%	3,535.79	3,596.86	3,450.26	3,522.65	14,101.38
Interest	0	0	0	0	0	0
Expenditure	-1,011.43+3.3%	-839.20	-2,815.47	-2,826.51	-1,045.56	-3,840.57
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	620.80-5.8%	862.33	807.20	634.68	659.36	2,963.58
Tax	-195.48	-63.18	-219.69	-139.77	-173.36	-596
Equity	110.13	110.13	110.13	110.13	110.13	110.13
OPM	16.49	24.39	22.44	18.40	18.72	21.02
Net Profit	425.32-12.5%	799.15	587.51	494.91	486	2,367.58
NPM	11.30	22.60	16.33	14.34	13.80	16.79
EPS	3.89-11.6%	7.25	5.28	4.49	4.40	21.42

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 23-24	FY 22-23	FY 21-22	FY 20-21
Revenue	13,150.73+4.9%	12,541.08+11.8%	11,213.20+19.9%	9,355.23+16.8%	8,012.98-1.2%	8,111.09
Other Income	950.65	1,146.94	837.67	765.24	790.41	728.41
Total Income	14,101.38+3.0%	13,688.02+13.6%	12,050.87+19.1%	10,120.47+15.0%	8,803.39-0.4%	8,839.50
Expenditure	-3,840.57+4.3%	-4,012-6.6%	-3,762.56-3.1%	-3,650.86-9.7%	-3,328.65-15.4%	-2,884.16
Interest	0	0	0	0	0	0
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	2,963.58+0.8%	2,938.68+23.1%	2,388.07+33.7%	1,786.04+139.2%	746.72+38.7%	538.30
Tax	-596	-852.43	-618.17	-587.45	-242.28	-103.50
Equity	110.13	110.13	110.13	103.16	93.30	71.36
OPM (%)	21.02	21.47	19.82	17.65	8.48	6.09
Net Profit	2,367.58+13.5%	2,086.25+17.9%	1,769.90+47.7%	1,198.59+137.6%	504.44+16.0%	434.80
NPM (%)	16.79	15.24	14.69	11.84	5.73	4.92
EPS (Rs)	21.42+13.3%	18.91+12.3%	16.84+37.5%	12.25+105.5%	5.96-0.8%	6.01
CEPS	21.42	18.91	16.84	12.25	5.96	6.01

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2025	Final Dividend	2.15	19 Aug 2025
2024	Final Dividend	2.15	09 Aug 2024
2023	Final Dividend	0.5	17 Aug 2023
2016	Final Dividend	1.75	11 Jul 2016
2015	Final Dividend	2.1	13 Aug 2015
2014	Final Dividend	50	24 Jul 2014
2013	Final Dividend	50	13 Jun 2013
2012	Final Dividend	33.5	05 Jul 2012
2011	Final Dividend	26	29 Jun 2011
2010	Final Dividend	22	22 Jul 2010
2009	Final Dividend	16.9	17 Sep 2009
2008	Final Dividend	15.5	10 Jul 2008

Bonus

No bonus history.

Split

Year	Ratio	Ex-Date
2014	Rs.10/- to Rs.1/-	04 Sep 2014

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split