profit from every ₹100 of sales.
₹0₹100
Jammu and Kashmir Bank
₹134.18+3.06% today
+33.3% in 1 year
1-year low ₹98.091-year high ₹192.65
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹6.26 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Jammu and Kashmir Bank sold, what it kept, and what it did with the cash.
Sales went from ₹54.3 billion in 2023 to ₹68.3 billion in 2026, with ₹23.6 billion of profit last year.
SalesProfit
Jammu and Kashmir Bank vs. similar companies
Jammu and Kashmir Bank grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Jammu and Kashmir Bank | 6.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Jammu and Kashmir Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 54,264 | 59,660 | 69,403 | 68,328 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 11,805 | 17,712 | 20,818 | 23,595 | |
| 12.25 | 16.84 | 18.91 | – | |
| – | – | – | – | |
| – | – | – | – | |
| 21.8% | 29.7% | 30.0% | 34.5% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 1,459,126 | 1,545,046 | 1,694,235 | 1,889,598 |
| Cash | 157,061 | 179,223 | 191,881 | 78,552 |
| Total debt | 28,923 | 28,850 | 23,828 | 34,310 |
| Total liabilities | 1,360,163 | 1,423,119 | 1,552,152 | 1,724,600 |
| 98,963 | 121,927 | 142,083 | 164,998 | |
| 964 | 1,052 | 1,101 | – | |
| – | – | – | – | |
| 11.9% | 14.5% | 14.7% | 14.3% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| -4,071 | -8,526 | 27,232 | -11,257 | |
| 1,235 | 1,857 | 1,021 | 4,694 | |
| -5,306 | -10,382 | 26,211 | -15,950 | |
| Dividends paid | – | 516 | 2,368 | 2,368 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 6.3×
- –
- –
- 1.0×
- 2.2×
- 16.0%
- 1.6%
Profitability
- 34.5%
- –
- –
- –
- –
Growth
- +8.0%
- –
- –
- +9.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 9%of 873
Bottom 47%of 883
Bottom 12%of 933
1.6%of the share price, paid each year
On $1,000 invested$16a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
10.0% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Jammu and Kashmir Bank
Is Jammu and Kashmir Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Jammu and Kashmir Bank AI analysis
What does Jammu and Kashmir Bank do?
Jammu and Kashmir Bank Limited provides various banking products and services. The company operates through Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and Other Banking Business segments. It is in Banks - Regional, based in Srinagar, India.
Does Jammu and Kashmir Bank pay a dividend?
Yes. At today's price the dividend is 1.6% a year, about 10% of its yearly profit. In 2026 it paid out ₹2.37 billion in dividends.
Is Jammu and Kashmir Bank stock halal?
No. Jammu and Kashmir Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Jammu and Kashmir Bank stock done over the past year?
Up 33.3% over the past twelve months, to ₹134.18. It traded between ₹98.09 and ₹192.65 and is 30.4% below its high.
Who are Jammu and Kashmir Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Jammu and Kashmir Bank's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.