Jammu and Kashmir Bank Limited (BOM:532209)
India flag India · Delayed Price · Currency is INR
121.90
-1.90 (-1.53%)
At close: Oct 28, 2026

Jammu and Kashmir Bank Financials Overview

Millions INR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Revenue
68,80768,04169,44261,50654,36441,031
Revenue Growth
-1.27%-2.02%12.90%13.14%32.50%23.63%
Net Income
23,61523,59520,81817,71211,8054,949
Earnings Per Share
21.4321.4218.9116.8412.255.96
EPS Growth
12.93%13.30%12.29%37.44%105.65%-0.81%

Revenue by Segment

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Treasury Operations
36,38135,94332,36227,19324,06121,095
Corporate/Wholesale Banking
33,79026,23426,97524,77418,47416,613
Retail Banking - Digital Banking
1.81.71.20.80.2-
Retail Banking - Other Retail Banking
89,80890,04190,02079,31870,249-
Other Banking Business
1,0331,0261,0651,068739.3625.9
Inter Segment
-11,582-12,232-13,608-11,975-12,319-7,931
Total
149,431141,014136,816120,379101,20587,665

Cash & Debt

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Cash & Investments
77,93234,73590,32754,881133,249103,876
Total Debt
53,81034,31023,82828,85028,92323,708
Net Cash (Debt)
24,122425.0466,49926,031104,32680,168
Net Cash Growth
-49.20%-99.36%155.46%-75.05%30.13%-6.34%
Net Cash Per Share
21.900.3960.3924.74108.2796.50

Cash Flow & CapEx

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Operating Cash Flow
-236,751-179,161-110,656-135,900-77,315-82,235
Capital Expenditures
-4,677-4,694-1,021-1,857-1,235-851.85
Free Cash Flow
-241,428-183,855-111,677-137,757-78,551-83,087
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingSep '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
Profit Margin
34.32%34.68%29.98%28.80%21.71%12.06%
FCF Margin
-350.88%-270.21%-160.82%-223.97%-144.49%-202.50%

Dividends

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23
Dividend Per Share
2.150-2.1502.1500.500
Dividend Per Share Growth
0%-0%330.00%-
Dividend Yield
1.76%-2.33%1.60%1.02%

Valuation

Fiscal Year
CurrentFY 2026FY 2025FY 2024FY 2023FY 2022
Period EndingOct '26 Mar '26 Mar '25 Mar '24 Mar '23 Mar '22
PE Ratio
5.695.134.888.344.296.09
PS Ratio
1.951.781.462.400.930.73