Jammu & Kashmir Bank Intrinsic Value
Jammu & Kashmir Bank (J&KBANK) median intrinsic value is ₹293.16 from 8 valuation models (range ₹186–₹440), vs current price ₹146.58 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit J&KBANK stock price BSE.
J&KBANK Valuation Methods Summary — DCF, Graham Number & P/E
Jammu & Kashmir Bank intrinsic value across 8 models vs current price ₹146.58 — upside/downside and value range per method. See J&KBANK P/B ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹348.00 | ₹278.40 - ₹417.60 | +137.4% | EPS: ₹29.00, Sector P/E: 12x |
| Book Value Method | asset | ₹366.45 | ₹329.81 - ₹403.10 | +150.0% | Book Value/Share: ₹1500.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹293.16 | ₹263.84 - ₹322.48 | +100.0% | Revenue/Share: ₹1285.82, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹293.16 | ₹263.84 - ₹322.48 | +100.0% | EBITDA: ₹3448.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹185.60 | ₹167.04 - ₹204.16 | +26.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹238.96 | ₹215.06 - ₹262.86 | +63.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹293.16 | ₹263.84 - ₹322.48 | +100.0% | ROE: 19.4%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹439.74 | ₹395.77 - ₹483.71 | +200.0% | EPS: ₹29.00, BVPS: ₹1500.00 |
J&KBANK Intrinsic Value vs Market Price — All Valuation Models
Jammu & Kashmir Bank fair value range ₹186–₹440 vs current market price ₹146.58 across 8 valuation models. Check Jammu & Kashmir Bank marketcap in USD to track the company's total market size over time.
J&KBANK Intrinsic Value Analysis — Undervalued or Overvalued?
Jammu & Kashmir Bank median intrinsic value ₹293.16, current price ₹146.58 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
What is the intrinsic value of J&KBANK?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Jammu & Kashmir Bank (J&KBANK) is ₹293.16 (median value). With the current market price of ₹146.58, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹185.60 to ₹439.74, indicating ₹185.60 - ₹439.74.
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%.
J&KBANK Financial Health — Key Ratios vs Industry Benchmarks
Jammu & Kashmir Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.4% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 73.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.07x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
J&KBANK Cash Flow Quality — Operating & Free Cash Flow
Jammu & Kashmir Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,126 Cr | ₹-1,277 Cr | Negative Cash Flow | 3/10 |
| 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 |