Jammu & Kashmir Bank Ltd.

NSE: J&KBANK · Financial Services

₹123.11-0.82%06 Nov 2026

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Instant answers about Jammu & Kashmir Bank Ltd. — computed from its filings, no language model

Market cap₹13,558 cr

Current price₹123.11

High / Low₹193 / ₹98

P/E5.7

P/B0.77

Book value₹159.3

ROE13.5%

ROCE—

Debt / equity—

Dividend yield—

EPS (TTM)₹21.44

Face value₹1

Price & valuation

split & bonus adjusted · pick a metric and range

Annual performance

annual · ₹ crore · line = operating margin

	FY20	FY21	FY22	FY23	FY24	FY26
Total income	8,997	8,840	8,803	10,120	12,051	14,101
Pre-provision op. profit	1,523	1,615	1,373	1,860	2,280	2,992
Operating margin	16.9%	18.3%	15.6%	18.4%	18.9%	21.2%
Interest	4,739	4,340	4,101	4,609	6,008	7,269
Profit before tax	-1,102	538	747	1,786	2,388	2,964
Tax	39	104	242	587	618	596
Net profit	-1,183	428	495	1,181	1,771	2,360
EPS ₹	-16.59	6.01	5.96	12.25	16.84	21.42
Operating cash flow	—	—	-1,568	-407	-924	-1,707
Capex	—	—	85	124	186	0
Dividend paid	—	—	0	0	0	0
Total assets	1,08,829	1,20,273	1,30,576	—	1,54,505	1,88,960
Equity	6,346	6,802	7,984	—	12,193	16,500

Quarterly performance

last 23 quarters · ₹ crore

showing latest 8 of 23 periods

	JUN '19	DEC '19	MAR '20	JUN '20	SEP '20	DEC '20	MAR '21	MAR '22	SEP '22	DEC '22	MAR '23	SEP '23	DEC '23	MAR '24	JUN '24	SEP '24	DEC '24	JUN '25	SEP '25	DEC '25	MAR '26	JUN '26	SEP '26
Total income	2,257	2,197	2,279	2,161	2,197	2,350	2,132	2,212	2,447	2,685	2,681	2,957	3,067	3,139	3,193	3,424	3,452	3,523	3,450	3,597	3,536	3,765	4,047
Pre-provision op. profit	410	335	382	332	405	564	315	319	484	545	450	535	551	665	596	789	749	674	624	781	913	705	790
Operating margin	18.2%	15.2%	16.8%	15.3%	18.4%	24.0%	14.8%	14.4%	19.8%	20.3%	16.8%	18.1%	18.0%	21.2%	18.7%	23.1%	21.7%	19.1%	18.1%	21.7%	25.8%	18.7%	19.5%
Other income	185	130	122	122	152	273	180	199	148	244	168	193	186	229	198	301	242	253	157	282	262	217	318
Interest	1,170	1,193	1,169	1,134	1,101	1,071	1,034	1,037	1,095	1,183	1,262	1,430	1,600	1,604	1,625	1,687	1,697	1,803	1,858	1,824	1,784	2,049	2,225
Profit before tax	117	52	-238	65	80	107	287	120	407	518	625	545	561	830	614	757	758	659	635	807	862	621	718
Tax	95	3	56	58	35	40	-30	7	163	206	149	164	139	191	197	204	227	173	140	220	63	195	171
Net profit	22	48	-337	2	38	66	322	119	240	307	473	384	423	633	418	553	529	485	495	581	799	429	553
EPS ₹	0.39	1.21	-4.72	0.03	0.53	0.93	4.52	1.27	2.49	3.19	4.87	3.72	4.05	5.75	3.80	5.02	4.80	4.40	4.49	5.28	7.25	3.89	5.02
Revenue YoY	—	—	—	-4.3%	—	7.0%	-6.4%	3.7%	—	—	21.2%	20.9%	14.2%	17.1%	—	15.8%	12.5%	10.3%	0.8%	4.2%	—	6.9%	17.3%
Profit YoY	—	—	—	-90.8%	—	37.2%	—	-63.1%	—	—	297.7%	60.0%	37.6%	34.0%	—	44.1%	25.0%	15.8%	-10.5%	10.0%	—	-11.5%	11.7%

Earlier results (standalone, Sep '07 – Mar '19)

₹ crore · from BSE, before the NSE XBRL filings begin

Jammu & Kashmir Bank Ltd. reports consolidated figures above. Quarterly consolidated results only became mandatory in India in 2019, so the earlier history available is the standalone company only (excluding subsidiaries). It is shown separately so the two bases are never mixed.

Full years

showing latest 8 of 11 periods

	FY09†	FY10†	FY11†	FY12†	FY13†	FY14†	FY15†	FY16†	FY17†	FY18†	FY19†
Total income	3,233	3,471	4,078	5,170	6,621	7,157	7,655	7,348	7,179	7,117	8,488
Pre-provision op. profit	774	957	1,149	1,370	1,811	1,900	1,836	1,668	1,294	1,382	1,718
Operating margin	24.0%	27.6%	28.2%	26.5%	27.4%	26.5%	24.0%	22.7%	18.0%	19.4%	20.2%
Other income	245	414	365	334	484	390	594	504	493	495	813
Interest	1,988	1,937	2,169	2,997	3,821	4,083	4,410	4,133	4,174	3,751	4,292
Profit before tax	632	791	934	1,201	1,527	1,752	820	692	-1,506	359	660
Tax	222	279	319	398	471	569	312	276	126	156	195
Net profit	410	511	615	803	1,055	1,182	509	416	-1,632	203	465

Quarters

showing latest 8 of 47 periods

	SEP '07†	DEC '07†	MAR '08†	JUN '08†	SEP '08†	DEC '08†	MAR '09†	JUN '09†	SEP '09†	DEC '09†	MAR '10†	JUN '10†	SEP '10†	DEC '10†	MAR '11†	JUN '11†	SEP '11†	DEC '11†	MAR '12†	JUN '12†	SEP '12†	DEC '12†	MAR '13†	JUN '13†	SEP '13†	DEC '13†	MAR '14†	JUN '14†	SEP '14†	DEC '14†	MAR '15†	JUN '15†	SEP '15†	DEC '15†	MAR '16†	JUN '16†	SEP '16†	DEC '16†	MAR '17†	JUN '17†	SEP '17†	DEC '17†	MAR '18†	JUN '18†	SEP '18†	DEC '18†	MAR '19†
Total income	655	689	725	716	789	839	889	891	847	857	875	959	973	1,012	1,133	1,123	1,227	1,340	1,480	1,570	1,592	1,624	1,836	1,716	1,749	1,803	1,889	1,899	1,883	1,849	2,024	1,888	1,848	1,806	1,805	1,789	1,817	1,770	1,803	1,791	1,771	1,791	1,764	1,897	1,951	2,166	2,473
Pre-provision op. profit	150	168	203	182	188	187	218	257	221	245	235	288	284	281	296	316	313	324	418	415	423	435	538	481	496	441	481	448	432	381	575	458	438	391	381	349	376	293	276	368	364	383	266	350	343	425	601
Operating margin	22.9%	24.4%	28.0%	25.3%	23.8%	22.3%	24.6%	28.8%	26.1%	28.5%	26.8%	30.0%	29.2%	27.7%	26.1%	28.2%	25.5%	24.1%	28.2%	26.5%	26.6%	26.8%	29.3%	28.0%	28.4%	24.5%	25.5%	23.6%	23.0%	20.6%	28.4%	24.3%	23.7%	21.6%	21.1%	19.5%	20.7%	16.6%	15.3%	20.6%	20.6%	21.4%	15.1%	18.4%	17.6%	19.6%	24.3%
Other income	58	70	81	65	41	39	100	116	101	96	102	94	74	78	119	67	71	74	122	93	91	91	209	92	99	87	111	131	85	100	279	136	127	103	139	117	131	121	125	110	105	108	172	134	111	164	404
Interest	402	417	420	425	486	538	538	509	494	468	465	500	526	545	598	619	721	816	841	941	948	939	993	969	968	1,069	1,076	1,130	1,107	1,111	1,062	1,058	1,027	1,030	1,019	1,040	1,044	1,067	1,023	968	944	903	936	984	1,048	1,121	1,139
Profit before tax	146	159	159	140	163	175	154	176	205	214	196	218	246	250	220	272	290	305	333	365	390	412	360	445	441	445	421	201	265	160	195	245	311	151	-16	36	-616	-433	-492	90	121	133	15	95	170	172	223
Tax	38	50	99	46	47	54	75	59	70	74	76	73	82	82	82	90	91	92	125	119	120	123	109	137	138	124	170	71	92	56	93	87	116	34	40	13	-14	65	62	60	50	60	-13	42	77	68	8
Net profit	108	109	60	95	116	121	79	117	134	140	120	145	163	168	139	182	200	213	208	246	270	289	250	308	303	321	251	130	172	105	102	159	196	118	-56	23	-602	-498	-554	30	72	72	28	53	94	104	215
EPS ₹	22.24	22.52	—	19.50	23.91	24.89	16.23	24.15	27.70	28.88	24.76	29.98	33.68	34.63	28.58	37.60	41.18	43.98	42.93	50.77	55.60	59.70	51.58	63.52	62.43	66.28	51.69	26.82	3.55	2.16	8.38	3.27	4.04	2.43	-4.62	—	-12.43	-10.28	-11.41	0.54	1.29	1.30	2.04	0.94	1.68	1.86	3.86
Revenue YoY	—	—	—	—	20.5%	21.9%	22.6%	24.4%	7.4%	2.1%	-1.5%	7.7%	14.9%	18.1%	29.5%	17.0%	26.0%	32.4%	30.6%	39.8%	29.7%	21.2%	24.1%	9.4%	9.9%	11.0%	2.9%	10.6%	7.7%	2.6%	7.1%	-0.6%	-1.9%	-2.3%	-10.8%	-5.3%	-1.7%	-2.0%	-0.1%	0.1%	-2.5%	1.2%	-2.2%	6.0%	10.1%	21.0%	40.2%
Profit YoY	—	—	—	—	7.5%	10.5%	31.6%	23.8%	15.8%	16.0%	52.6%	24.2%	21.6%	19.9%	15.4%	25.4%	22.3%	27.0%	50.2%	35.0%	35.0%	35.7%	20.2%	25.1%	12.3%	11.0%	0.2%	-57.8%	-43.1%	-67.4%	-59.5%	22.1%	13.5%	12.5%	-155.1%	-85.6%	-407.9%	-523.6%	—	31.9%	—	—	—	74.2%	30.9%	43.2%	656.1%

Returns & margins

trailing-twelve-month, per quarter

showing latest 8 of 9 periods

	SEP '20	DEC '20	MAR '21	JUN '24	SEP '24	DEC '24	MAR '26	JUN '26	SEP '26
ROE	-3.9%	-3.6%	6.3%	15.2%	15.2%	16.0%	14.3%	14.0%	13.5%
Net margin	-2.8%	-2.6%	4.8%	15.0%	15.8%	16.2%	16.7%	16.1%	15.8%
EBITDA margin	16.5%	18.7%	18.3%	19.0%	20.3%	21.2%	21.2%	21.1%	21.3%
Asset turnover	0.08	0.08	0.07	0.08	0.08	0.08	0.07	0.08	0.07

Balance sheet

equity vs borrowings over time · ₹ crore

showing latest 6 of 16 periods

	MAR '14‡	MAR '15‡	MAR '16‡	MAR '17‡	MAR '18‡	MAR '19‡	MAR '20‡	MAR '21‡	MAR '22	SEP '22	SEP '23	MAR '24	SEP '24	SEP '25	MAR '26	SEP '26
Share capital	48	48	48	52	56	56	71	71	93	96	103	110	110	110	110	110
Reserves	5,675	6,060	6,372	5,621	6,102	6,566	6,274	6,731	7,890	8,382	10,508	12,083	13,196	14,826	16,390	17,433
Total equity	5,724	6,108	6,421	5,673	6,158	6,622	6,346	6,802	7,984	8,478	10,611	12,193	13,306	14,936	16,500	17,543
Deposits	69,336	65,736	69,379	72,459	80,005	89,637	97,786	1,08,047	1,14,703	1,15,703	1,26,579	1,34,763	1,37,907	1,52,017	1,65,342	1,76,776
Borrowings	1,765	2,340	2,240	1,276	1,628	2,624	2,020	2,015	2,371	2,929	3,783	2,885	2,884	2,382	3,431	5,381
Total assets	78,620	75,910	80,254	82,012	89,684	1,01,405	1,08,829	1,20,273	1,30,576	1,31,308	1,45,584	1,54,505	1,59,456	1,74,627	1,88,960	2,03,427
Advances	46,385	44,586	50,193	49,816	56,913	66,272	64,399	66,842	70,393	74,548	87,813	93,757	96,124	1,05,142	1,22,633	1,31,202
Investments	26,195	22,740	20,334	21,271	18,860	23,140	22,990	30,774	33,785	35,323	32,562	34,900	38,656	44,209	40,520	45,648
Fixed assets	534	690	764	1,544	1,615	1,675	2,071	2,013	1,954	1,922	2,274	2,258	2,229	2,187	2,533	2,517
Cash & bank balances	—	—	—	—	—	—	—	—	8,792	5,868	7,465	8,196	7,551	7,131	7,855	7,793

Cash flow

annual · ₹ crore · line = free cash flow

	FY22	FY23	FY24	FY26
Cash from operations	-1,568	-407	-924	-1,707
Cash from investing	-85	-124	-186	302
Cash from financing	941	638	407	-500
Capex	85	124	186	0
Free cash flow	-1,653	-531	-1,110	-1,707
Dividends paid	0	0	0	0

Where the assets sit

Sep '26 · ₹ crore

Advances

₹1,31,202 cr64%

Investments

₹45,648 cr22%

Fixed assets

₹2,517 cr1%

Cash & bank

₹7,793 cr4%

Other assets

₹16,267 cr8%

Peer comparison

largest in Financial Services · this company in bold

Company	Market cap ₹cr	Price	P/E	P/B	ROE
HDFC Bank Ltd.	12,15,371	788.25	15.2	2.01	13.3%
ICICI Bank Ltd.	11,28,090	1,571.20	19.1	2.75	14.4%
State Bank of India	9,40,157	1,018.50	10.4	1.36	13.1%
Bajaj Finance Ltd.	6,77,005	1,087.75	—	—	—
Kotak Mahindra Bank Ltd.	4,77,499	480.00	22.2	2.45	11.0%
Axis Bank Ltd.	4,11,911	1,322.90	13.8	1.79	13.0%
Shriram Finance Ltd.	2,26,163	961.15	—	—	—
BSE Ltd.	1,55,002	3,800.00	50.3	19.49	38.8%
Cholamandalam Investment and Finance Company Ltd.	1,53,126	1,785.00	—	—	—
Jio Financial Services Ltd.	1,52,665	231.20	—	—	—
Jammu & Kashmir Bank Ltd.	13,558	123.11	5.7	0.77	13.5%

StoxGud checklist: Neutral setup · 6/10

Price above 50-day average
Price above 200-day average
50-day average above 200-day (uptrend)
RSI in healthy 40–70 zone
Positive 1-year return
Return on equity above 15%
Debt to equity below 1
Revenue growing year on year
Net profit margin above 10%
P/E below industry median

A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.

Returns & technicals

1 month-11.7%

6 months-11.8%

1 year+14.5%

3Y CAGR+5.3%

5Y CAGR+20.9%

10Y CAGR+6.4%

50-day avg₹138.42

200-day avg₹136.90

RSI (14)40

Compare Jammu & Kashmir Bank Ltd. with

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FAQs

What is the share price of Jammu & Kashmir Bank Ltd.?

Jammu & Kashmir Bank Ltd. (J&KBANK) closed at ₹123.11 on NSE on 06 Nov 2026.

What is the market cap of Jammu & Kashmir Bank Ltd.?

₹13,558 crore at the latest close.

What is the P/E ratio of Jammu & Kashmir Bank Ltd.?

5.7, on trailing-twelve-month earnings from its filings.

How fast is Jammu & Kashmir Bank Ltd. growing?

Jammu & Kashmir Bank Ltd.: revenue has compounded at 17.0% a year over three years; net profit at 68.3% a year. Latest-quarter revenue is up 17.3% year on year, profit up 11.7%.

How profitable is Jammu & Kashmir Bank Ltd.?

On a trailing-twelve-month basis return on equity is 13.5%, operating margin 21.3%, net margin 15.8%.

How much debt does Jammu & Kashmir Bank Ltd. have?

Debt to equity isn't meaningful for Jammu & Kashmir Bank Ltd. (banks borrow as part of their business) or isn't filed yet.

Financials parsed from Jammu & Kashmir Bank Ltd.'s own XBRL filings to NSE (consolidated), ₹ crore unless marked. Quarterly from JUN '19, annual from FY20, balance sheet from Mar '14. * = derived (full year or half year minus earlier quarters). ‡ = balance sheet / cash flow read from the company's published annual report (same basis), for years before the NSE filings carry them; each one checked to add up. Information only, not investment advice.