J & K Bank Ltd.
NSE: J&KBANK · Private Sector Bank · sector
₹117.02NSE close 2026-10-26
Key numbers
Market cap₹12,887 cr
Price₹117.02
52w high / low₹202 / ₹97
P/E4.6xSector median 12.9x
P/B0.7xSector median 1.1x
Book value₹161.5
Dividend yield–Sector median 0.72%
ROE16.9%Sector median 12.8%
ROA1.36%Sector median 1.15%
Gross NPA2.23%
Net NPA0.51%
CET113.88%
Sales growth 3y+12.0%Sector median +15.2%
Profit growth 3y+25.4%Sector median +19.8%
PEG0.23x
Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 20 companies in Private Sector Bank (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Dividend paid in 3 of the last 5 financial years.
- Price ₹117.02 on 2026-10-26: -42.0% from the 52-week high, +20.2% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹182.63 · low ₹90.44
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|
| Total income | 3,212 | 3,268 | 6,560 | 3,313 | 3,272 | 3,546 | 7,273 |
| Net interest income | 1,480 | 1,465 | 2,899 | 1,489 | 1,487 | 1,497 | 2,999 |
| Operating profit | 800 | 673 | 1,295 | 780 | 911 | 703 | 1,492 |
| Other income | 404 | 250 | 405 | 279 | 259 | 214 | 529 |
| Net profit | 585 | 485 | 979 | 587 | 798 | 424 | 971 |
| EPS (₹) | 5.31 | 4.40 | 8.89 | 5.33 | 7.24 | 3.85 | 8.81 |
| Gross NPA % | 3.37 | 3.50 | 3.32 | 3.00 | 2.50 | 2.37 | 2.23 |
| Net NPA % | 0.79 | 0.82 | 0.76 | 0.68 | 0.64 | 0.60 | 0.51 |
| Revenue YoY | +1.9% | +8.5% | +10.9% | ||||
| Profit YoY | +36.5% | -12.5% | -0.9% |
Standalone figures where filed. Latest quarter Sep 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 8,013 | 9,355 | 11,212 | 12,536 | 13,145 | 17,404 |
| Net profit | 502 | 1,197 | 1,767 | 2,082 | 2,363 | 2,779 |
| EPS (₹) | 6.04 | 12.43 | 16.80 | 18.91 | 21.46 | 25.23 |
| Revenue growth | +16.7% | +19.9% | +11.8% | +4.9% | – | |
| Profit growth | +138.7% | +47.6% | +17.8% | +13.5% | – | |
| Dividend / share (₹) | – | – | 0.50 | 2.15 | 2.15 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +12.0% | – | – |
| Net profit | +25.4% | – | – |
| EPS | +20.0% | – | – |
| Share price | – | +19.6% (2y) | +26.3% |
Balance sheet
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Shareholders' equity | 14,252 | 16,750 |
| Borrowings | 2,383 | 3,431 |
| Cash & equivalents | 0 | 0 |
| Total assets | 1,69,468 | 1,89,194 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY25 | FY26 |
|---|---|---|
| Cash from operations | 2,718 | -1,736 |
| Cash from investing | -102 | 302 |
| Cash from financing | -1,034 | -500 |
| Capex | 0 | 0 |
| Free cash flow | 2,718 | -1,736 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY25 | FY26 |
|---|---|---|
| ROE % | 14.6% | 14.1% |
Peers in Private Sector Bank
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| HDFCBANK | ₹10,60,877 cr | 13.9x | 1.8x | 13.9% | 1.67% | 1.11% | +23.9% | 1.95% |
| ICICIBANK | ₹10,07,326 cr | 18.4x | 2.8x | 16.3% | 2.01% | 1.20% | +15.9% | 0.78% |
| KOTAKBANK | ₹4,38,401 cr | 36.2x | 3.2x | 11.8% | 1.90% | 1.18% | +17.5% | 0.11% |
| AXISBANK | ₹3,79,871 cr | 13.7x | 1.7x | 13.5% | 1.35% | 1.16% | +14.3% | 0.08% |
| FEDERALBNK | ₹85,160 cr | 17.5x | 2.1x | 12.8% | 1.14% | 1.32% | +18.1% | 0.35% |
| IDBI | ₹82,245 cr | 10.0x | 1.1x | 11.8% | 1.70% | 2.12% | +12.1% | 2.74% |
| INDUSINDBK | ₹65,798 cr | 52.6x | 1.0x | 1.9% | 0.23% | 3.25% | +14.5% | – |
| IDFCFIRSTB | ₹61,802 cr | 28.1x | 1.3x | 5.3% | 0.56% | 1.51% | +21.3% | 0.48% |
| YESBANK | ₹49,783 cr | 12.0x | 0.9x | 8.1% | 0.81% | 1.20% | +9.9% | – |
| J&KBANK | ₹12,887 cr | 4.6x | 0.7x | 16.9% | 1.36% | 2.23% | +12.0% | – |
Business segments (2026-09-30)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Other Retail Banking | ₹4,528 cr | 53.7% | ₹954 cr | 21.1% |
| Corporate/Wholesale Banking | ₹1,964 cr | 23.3% | ₹808 cr | 41.2% |
| Treasury Operations | ₹1,891 cr | 22.4% | ₹105 cr | 5.6% |
| Other Banking Business | ₹48 cr | 0.6% | ₹26 cr | 54.0% |
| Digital Banking | ₹0 cr | 0.0% | ₹-0 cr | -400.0% |
| UnAllocated Business | ₹0 cr | – | ₹-558 cr | – |
| Less: Tax Expenses/(Credit) | ₹0 cr | – | ₹-366 cr | – |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2025-08-19 | Dividend | Dividend Rs 2.15 |
| 2024-08-09 | Dividend | Final Dividend Rs 2.15 |
| 2023-08-17 | Dividend | Final Dividend Rs 0.5 |
| 2016-07-11 | Dividend | Dividend Rs 1.75 |
| 2015-08-13 | Dividend | Dividend Rs 2.1 |
Documents
Links go to the original files on the exchange website.
About the company
| Sector | Financial Services |
| Industry | Private Sector Bank |
| Sub-industry | Private Sector Bank |
| Symbol | J&KBANK |
| BSE code | 532209 |
| ISIN | INE168A01041 |
| Face value | ₹1.0 |
| Incorporated | – |
| Website | – |
| Plants (India / abroad) | – |
Data built 2026-10-22 from BSE company filings (inline XBRL: Integrated Filing - Finance) + BSE results summary for earlier years; price = NSE close 2026-10-26.