Jammu & Kashmir Bank Intrinsic Value
J&KBANK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹215.52 | ₹172.42 - ₹258.62 | +108.1% | EPS: ₹17.96, Sector P/E: 12x |
| Book Value Method | asset | ₹258.92 | ₹233.03 - ₹284.81 | +150.0% | Book Value/Share: ₹1291.64, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹207.14 | ₹186.43 - ₹227.85 | +100.0% | Revenue/Share: ₹1254.55, P/S: 1.0x |
| PEG Ratio Method | growth | ₹114.94 | ₹103.45 - ₹126.43 | +11.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹147.99 | ₹133.19 - ₹162.79 | +42.9% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹207.14 | ₹186.43 - ₹227.85 | +100.0% | ROE: 13.9%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹310.71 | ₹279.64 - ₹341.78 | +200.0% | EPS: ₹17.96, BVPS: ₹1291.64 |
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Valuation Comparison Chart
J&KBANK Intrinsic Value Analysis
What is the intrinsic value of J&KBANK?
Based on our comprehensive analysis using 7 different valuation methods, the estimated intrinsic value of Jammu & Kashmir Bank (J&KBANK) is ₹207.14 (median value). With the current market price of ₹103.57, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹114.94 to ₹310.71, indicating ₹114.94 - ₹310.71.
Is J&KBANK undervalued or overvalued?
Based on our multi-method analysis, Jammu & Kashmir Bank (J&KBANK) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.13 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 11.92 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 13.9% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 71.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Jammu & Kashmir Bank
Additional stock information and data for J&KBANK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹2,723 Cr | ₹2,672 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-853 Cr | ₹-982 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-407 Cr | ₹-469 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-1,568 Cr | ₹-1,611 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-14 Cr | ₹-52 Cr | Negative Cash Flow | 3/10 |