J & K Bank Q1 FY27 Share Price & Earnings Call Analysis

Financials of J & K Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of J & K Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +2,5122,6572,7642,8812,9102,9943,1243,2103,2133,2693,2933,3153,273
Interest1,2621,3741,4301,6001,6041,6251,6871,6971,7321,8031,8581,8241,784
Expenses +7931,0629829067059549809961,0751,061958964889
Financing Profit457221352375602415456516406406477527600
Financing Margin %18%8%13%13%21%14%15%16%13%12%14%16%18%
Other Income +168230193186229198301242403253157280262
Depreciation0000000000000
Profit before tax625452545561830614757758810659635807862
Tax %24%28%30%25%23%32%27%30%28%26%22%27%7%
Net Profit +473331384423633418553529582485495581799
EPS in Rs4.583.213.723.845.753.805.024.805.284.404.495.287.25
Gross NPA %
Net NPA %

Financials of J & K Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +7,0616,8446,6866,6217,6768,4468,1118,0139,35511,21312,54113,151
Interest4,4094,1324,1733,7504,2914,7394,3404,1014,6096,0086,7417,269
Expenses +2,3362,4664,4313,1543,4395,2343,8023,7743,5673,4373,8403,869
Financing Profit316245-1,919-283-55-1,527-301371,1781,7681,9602,013
Financing Margin %4%4%-29%-4%-1%-18%-0%2%13%16%16%15%
Other Income +5995094975018175097017537658381,147951
Depreciation956485971041261341441582181680
Profit before tax820689-1,507121659-1,1445377471,7862,3882,9392,964
Tax %38%40%8%-68%30%3%19%32%33%26%29%20%
Net Profit +508414-1,633203464-1,1834284951,1811,7712,0822,360
EPS in Rs10.498.54-31.323.648.33-16.596.015.3011.4416.0818.9121.43
Dividend Payout %20%20%0%0%0%0%0%0%4%13%11%0%

Financials of J & K Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4848525656717193103110110110
Reserves6,0606,3725,6216,1026,5666,2746,7317,9849,79312,08314,09816,390
Deposits66,33669,37972,45980,00589,63797,786108,047114,703122,027134,765148,552165,342
Borrowing1,7402,2401,2761,6282,6242,0202,0152,3712,8922,8852,3833,431
Other Liabilities +1,7262,2142,6041,8942,5222,6783,4085,42511,0974,6624,2803,687
Total Liabilities75,91080,25482,01289,684101,405108,829120,273130,576145,913154,505169,424188,960
Fixed Assets +6557061,4791,5981,6462,0361,9711,9082,2242,2082,1262,533
CWIP34596417293541464750660
Investments22,74020,33421,27118,86023,14022,99030,77433,78534,78034,90041,12240,520
Other Assets +52,48159,15659,19869,21076,58983,76887,48694,837108,860117,347126,110145,906
Total Assets75,91080,25482,01289,684101,405108,829120,273130,576145,913154,505169,424188,960

Financials of J & K Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +118-2192,4572,363-2,9924,374-14-1,568-407-8532,723-1,126
Cash from Investing Activity +-261-136-861-164-165-115-76-85-124-257-102-302
Cash from Financing Activity +-338-176593668769-339-199941638407-1,034-500
Net Cash Flow-480-5312,1892,867-2,3883,920-289-712107-7021,587-1,928
Free Cash Flow-131-3551,5962,199-3,1564,259-90-1,653-531-1,0382,621-1,595
CFO/OP10%4%112%73%-70%140%2%-31%1%-5%40%-4%

Financials of J & K Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%7%-27%3%7%-18%7%7%13%16%16%15%

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

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