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Jammu & Kashmir Bank LtdPrivate Sector BankINE168A01041Consolidated₹121.23+0.41 (+0.34%)

Valuation

Market Cap₹13.35K Cr

TTM PE5.65x

Forward PE5.63x

PEG2.23

Book Value₹159.31

P/B0.76x

TTM EPS₹21.44

Fwd EPS₹21.55

TTM Revenue₹13.86K Cr

TTM PAT₹2.36K Cr

Last Qtr PAT₹547.30 Cr

Profitability

ROE13.45%

ROCE15.83%

TTM NPM17.02%

Curr OPM13.52%

Last OPM11.30%

Curr NPM—

Last NPM—

Curr EPS₹5.02

Last EPS₹3.89

Balance sheet

Equity₹110.13 Cr

Reserve₹17.43K Cr

Total Debt₹5,381.00 Cr

D/E0.31x

Interest %0.00%

Curr Interest₹0.00 Cr

Price / range

Close₹121.23

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+0.34%

1W-0.49%

1M-13.39%

3M-23.18%

6M-7.91%

1Y+15.24%

2Y+22.27%

3Y+13.46%

5Y+167.91%

Diwali+19.97%

Sector peers — Private Sector Bank

Company	Close	Mkt Cap	TTM P/E	ROE
HDFCBANK	736.70	₹11.33L Cr	14.16	13.61%
ICICIBANK	1424.10	₹10.18L Cr	17.27	15.25%
KOTAKBANK	459.40	₹4.57L Cr	26.06	11.00%
AXISBANK	1232.00	₹3.83L Cr	12.78	13.05%
IDBI	79.29	₹85.26K Cr	10.26	11.45%
FEDERALBNK	335.20	₹82.53K Cr	15.92	12.24%
INDUSINDBK	865.15	₹67.40K Cr	22.46	4.42%
IDFCFIRSTB	74.73	₹64.24K Cr	21.54	6.06%

Financial Results

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

Metric	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	7,273.09+120.9%	3,546	3,271.67	3,313.44	3,291.82	13,145.20
Other Income	314.90	214.02	259.39	279.46	154.89	939.85
Total Income	7,802.01+126.4%	3,760.02	3,531.06	3,592.90	3,446.71	14,085.05
Interest	0	0	0	0	0	0
Expenditure	-2,035.93	-1,007.86	-836.08	0	0	-3,829.13
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	716.80+13.1%	619.24	860.52	806.06	633.55	2,957.88
Tax	-170.44	-195.06	-62.72	-219.33	-139.44	-594.40
Equity	110.13	110.13	110.13	110.13	110.13	110.13
OPM	9.19	16.47	24.37	24.33	19.25	21.00
Net Profit	970.54+96.4%	424.18	797.80	586.73	494.11	2,363.48
NPM	12.44	11.28	22.59	17.71	15.01	16.78
EPS	4.96+10.5%	3.85	7.24	5.33	4.49	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	Sep-26	Jun-26	Mar-26	Dec-25	Sep-25	FY25-26
Revenue	3,728.78+13.2%	3,547.48	3,273.34	3,314.94	3,293	13,150.70
Other Income	318.28	217.48	262.45	281.92	157.26	950.65
Total Income	4,047.06+17.3%	3,764.96	3,535.79	3,596.86	3,450.26	14,101.38
Interest	0	0	0	0	0	0
Expenditure	-1,032.06+63.5%	-1,011.43	-839.20	-2,815.47	-2,826.51	-3,840.57
PBDT	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0
PBT	1,338.87+111.0%	620.80	862.33	807.20	634.68	2,963.58
Tax	-170.77	-195.48	-63.18	-219.69	-139.77	-596
Equity	110.13	110.13	110.13	110.13	110.13	110.13
OPM	33.08	16.49	24.39	22.44	18.40	21.02
Net Profit	547.30+10.6%	425.32	799.15	587.51	494.91	2,367.58
NPM	13.52	11.30	22.60	16.33	14.34	16.79
EPS	5.02+11.8%	3.89	7.25	5.28	4.49	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