What the business is, and whether it's a good one at a fair price.
A private sector commercial bank that takes deposits and lends to retail and corporate customers, with its home franchise in Jammu & Kashmir and Ladakh. For the YTD period ended December 2024, retail banking accounted for 59.4% of segment revenue on a total segment revenue base of Rs 11,096.46 crore, corporate/wholesale banking 18.3%, treasury operations 21.6% and other banking the remainder. Retail spreads loans to individuals and small businesses, with the RAM book (Retail, Agriculture, MSME) making up over two-thirds of the loan book, while corporate/wholesale lending carries the highest EBIT margin in the segment mix at 62.4%. Treasury earns from the investment book and government securities. Net profit for FY26 was Rs 2,367.58 crore, up 13.485% year-on-year, with a five-year profit CAGR of 40.347%. The bank is diversifying beyond its home market and plans to add 50-70 branches in Rest of India over FY27-FY28. Recent filings show Corporate Agency Agreements signed with SBI Life and HDFC Life to sell insurance products through its branch network, and a planned sale of a 0.50% stake in PNB MetLife for about Rs 120.10 crore.
Measured from the filed financials, judged against its Private Sector Bank peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
Loading peers…
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
Loading financials…
Who owns it — and is the promoter stake clean?
Loading shareholding…
Sign up to see the full company file
Governance, sustainability, compliance, earnings calls, presentations, events, reactions and the full filings feed — free with an account.
Answered from J & K BANK LTD.'s filed financials and exchange disclosures
J & K BANK LTD. is a Banks company listed on NSE and BSE, trading under the symbol J&KBANK.
Yes. Over the trailing twelve months J & K BANK LTD. reported a net profit of ₹2,307 Cr.
Not in the latest reported year — J & K BANK LTD.'s dividend payout for FY26 was nil.
No..
On trailing P/E, J & K BANK LTD. ranks 1 of 20 in Private Sector Bank — cheaper than 100% of them, against an industry median of 12.4×. This is a position, not a valuation judgement.
On a typical session J & K BANK LTD. moves 1.30% — that is the median absolute close-to-close move across its last 269 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by J & K BANK LTD. appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
