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J & K Bank Q2 FY27 results are out (Jul–Sep 2026) →Revenue ₹3,729 Cr +13.2% YoYSee revenue, profit and what management said. You are viewing Q4 FY26.
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J & K Bank

Q4 FY26Banks

J & K Bank Q4 FY26 earnings call: Revenue & Margins

Q4 FY26 earnings call: what management said on revenue, margins and capex.

Revenue
₹3,273Cr
+1.9% YoY
−1.3% QoQ
Net profit
₹799Cr
+37.3% YoY
+37.5% QoQ
Price₹149
Market cap₹16.1K Cr
P/E7.0

The short version

The bank aims to grow its business from INR 2.9 lakh crores currently to over INR 5 lakh crores in three years, implying a robust growth trajectory. The bank targets to cross INR 5 lakh crores in business size within the next three years, up from around INR 2.9 lakh crores currently.

From J & K Bank's Q4 FY26 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

  • The bank aims to grow its business from INR 2.9 lakh crores currently to over INR 5 lakh crores in three years, implying a robust growth trajectory.
  • Targeted credit and deposit growth guidance for FY 2026-27 is conservative at 12% and 10%, respectively, considering current geopolitical and economic uncertainties.
  • Loan growth expectations for the next three years are aspirationally higher than system-wide growth; if the system grows at 16%, the bank aims to exceed this.
  • Advances growth rate forecast implied around 17%-18% to achieve targeted numbers.
  • The bank focuses on expanding retail advances, which yield higher returns and will contribute to improving yields in FY 2026-27.

2 more points from J & K Bank's call on revenue

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Profitability & Margins

The bank targets to cross INR 5 lakh crores in business size within the next three years, up from around…

Locked: what J & K Bank said on margins

Also locked on this page: fundraising

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Capital Expenditure Plans

  • The bank plans to consider raising capital to the tune of INR 1,250 crores in the current year to comply with RBI's Expected Credit Loss (ECL) implementation effective from April 1, 2027.
  • Board and Shareholders' approval for this capital raise has already been obtained.
  • The focus appears to be on consolidating existing initiatives and improving operational efficiencies, including technological upgrades such as the revamped mPAY Delight app ensuring 100% uptime and enhanced services.
  • Emphasis on strengthening recovery mechanisms and maintaining asset quality also suggests allocation of resources toward these areas.

Top-ranked in Banks

Ranked on what management guided this quarter

Guidance-ranked
1Capital Small
Rev 2Mar 2
2Canara Bank
Rev 2Mar 3
3
Rev 2Mar 3
4
Rev 2Mar 3
5
Rev 2Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The bank plans to raise capital of around INR 1,250 crores in the current year to prepare for the RBI's…

Locked: what J & K Bank said on fundraising

Also locked on this page: margins

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Order Book & Pipeline

The focus of the discussion is primarily on financial performance, credit growth, loan book size, asset quality, provisioning, competitive landscape, technology initiatives, and future growth guidance. There is no reference to order books or pending orders in the context of the bank's operations or business outlook.

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What J & K Bank's management said in earlier quarters

Earlier calls (4)

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Frequently Asked Questions

What were J & K Bank Q4 FY26 results?

The bank aims to grow its business from INR 2.9 lakh crores currently to over INR 5 lakh crores in three years, implying a robust growth trajectory. The bank targets to cross INR 5 lakh crores in business size within the next three years, up from around INR 2.9 lakh crores currently.

What is J & K Bank share price analysis?

J & K Bank currently shows a neutral. The stock trades at a P/E of 7.0 with a market cap of ₹16,141 Cr. Investors should review the full earnings analysis for detailed insights.

Is J & K Bank planning capital expenditure?

The bank plans to consider raising capital to the tune of INR 1,250 crores in the current year to comply with RBI's Expected Credit Loss (ECL) implementation effective from April 1, 2027.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.