The Jammu and Kashmir Bank Limited (J&KBANK) — key facts
NSE-listed · Financial Services. Data as of 11 Nov 2026 (IST) from InvestSights.
Last close: ₹130.98 (+3.69% day change)
Key ratios
- P/E ratio
- 6.11
- P/B ratio
- 0.73
- ROE (%)
- 14.3
- ROCE (%)
- 12.78
- Debt/Equity
- 0.2
- Dividend yield (%)
- 1.95
- Market cap (₹ Cr)
- 14,423.29
Financial health
Industrial forensic models are not applicable. Banking financial health is assessed using the documented CAMELS/RBI-format framework.
InvestSights quality score
69.4/100 — Above Average (descriptive data-driven composite; not a recommendation)
Management guidance track record
- Advances growth: guided 15%, delivered 11.1% (FY25) — missed guidance
- Credit growth: guided 12%, delivered 17% (Q3 FY26) — exceeded guidance
Latest earnings call (Q2 FY27)
AI summary: The central signal was management’s confidence that profitability will accelerate in H2 despite H1 NIM of 3.22%, with FY27 RoA guided at around 1.20% and H2 RoA expected at 1.40%, potentially better. The improvement is expected to come from immediate repricing of the 65% repo-linked loan book, RAM-led growth, the run-off of high-cost deposits, recoveries, OTS collections, fee…
Full analysis on InvestSights
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