ScoreWhy is The Jammu & Kashmir Bank Ltd. ?
1
Strong Provisioning Practices with a Provision Coverage Ratio of 76.22%
2
Strong Long Term Fundamental Strength with a 40.47% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 40.47%
4
Positive results in Mar 26
- CREDIT DEPOSIT RATIO(HY) Highest at 74.17%
- PBDIT(Q) Highest at Rs 651.40 cr.
- OPERATING PROFIT TO NET SALES(Q) Highest at 19.91%
5
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 01-Apr-26 and has generated 23.22% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST and OBV
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to J&K Bank should be less than 10%
- Overall Portfolio exposure to Private Sector Bank should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Private Sector Bank)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is J&K Bank for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
J&K Bank
48.11%
1.10
35.82%
Sensex
-3.09%
-0.49
12.94%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.01%
Net Profit Growth (5y)
34.15%
Advance to Deposit
69.62%
Capital Adequacy Ratio (Tier 1)
12.94%
Gross NPA (latest)
2.37%
Gross NPA (avg)
4.93%
Coverage Ratio (avg)
75.86%
Cost to Income (avg)
62.35%
Net Interest Margin (avg)
4.04%
Operating Profit to Assets (avg)
4.20%
ROA (avg)
1.05%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Price to Book Value
1.02
PEG Ratio
1.06
Dividend Yield
1.38%
ROE (Latest)
13.75%
ROA (Latest)
1.22%
Net NPA to Book Value
4.59
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA(Q)
Lowest at 2.37%
NET NPA(Q)
Lowest at 0.60%
NII(Q)
Highest at Rs 1,497.12 cr
INTEREST EARNED(Q)
Highest at Rs 3,546.00 cr
-9What is not working for the Company
PAT(Q)
At Rs 424.18 cr has Fallen at -28.2% (vs previous 4Q average
PBT LESS OI(Q)
Lowest at Rs 405.22 cr.
NON-OPERATING INCOME(Q)
is 34.56 % of Profit Before Tax (PBT
EPS(Q)
Lowest at Rs 3.85
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Here's what is working for J&K Bank
Gross NPA - Quarterly
Lowest at 2.37% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net NPA - Quarterly
Lowest at 0.60% and Fallen
each quarter in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 1,497.12 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 3,546.00 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
CAR - Quarterly
Highest at 16.67%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for J&K Bank
Profit After Tax (PAT) - Quarterly
At Rs 424.18 cr has Fallen at -28.2% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 590.87 CrMOJO Watch
Near term PAT trend is very negative
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 405.22 cr has Fallen at -19.6% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 503.85 CrMOJO Watch
Near term PBT trend is very negative
PBT less Other Income (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Lowest at Rs 405.22 cr.
in the last five quartersMOJO Watch
Near term PBT trend is negative
PBT less Other Income (Rs Cr)
Non Operating Income - Quarterly
is 34.56 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
Earnings per Share (EPS) - Quarterly
Lowest at Rs 3.85
in the last five quartersMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (Rs)
