J&KBANK IN EQUITY
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52-week range—
Market cap—
P/E · TTM—
As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 8,013 | 9,355 | 11,213 | 12,541 | 13,151 | — | — |
| Operating profit | 137 | 1,178 | 1,768 | 1,966 | 2,141 | — | — |
| OPM % | 1.7% | 12.6% | 15.8% | 15.7% | 16.3% | — | |
| Interest | 4,101 | 4,609 | 6,008 | 6,741 | 7,269 | — | — |
| Profit before tax | 747 | 1,786 | 2,388 | 2,939 | 2,964 | — | — |
| Net profit | 495 | 1,181 | 1,771 | 2,082 | 2,360 | — | — |
| NPM % | 6.2% | 12.6% | 15.8% | 16.6% | 17.9% | — | |
| Balance sheet & cash | |||||||
| Total assets | 1,30,576 | 1,45,913 | 1,54,505 | 1,69,424 | 1,88,960 | 2,03,427 | +7.7% |
| Equity | 8,077 | 9,896 | 12,193 | 14,208 | 16,500 | 17,543 | +6.3% |
| Debt | — | — | — | — | — | — | — |
| Cash from ops | -1,568 | -407 | -853 | 2,723 | -1,126 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 1.2% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 16.3% → — |
| Asset turnover improved | n/a | 0.07 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 3,210 | 3,213 | 3,269 | 3,293 | 3,315 | 3,273 | 3,547 | 3,729 | +13.2% |
| Operating profit | 516 | 406 | 406 | 479 | 527 | 600 | 403 | 400 | −16.5% |
| OPM % | 16.1% | 12.6% | 12.4% | 14.5% | 15.9% | 18.3% | 11.4% | 10.7% | |
| Interest | 1,697 | 1,732 | 1,803 | 1,858 | 1,824 | 1,784 | 2,049 | 2,225 | +19.8% |
| Profit before tax | 758 | 810 | 659 | 635 | 807 | 862 | 621 | 718 | +13.1% |
| Net profit | 529 | 582 | 485 | 495 | 581 | 799 | 429 | 553 | +11.7% |
| NPM % | 16.5% | 18.1% | 14.8% | 15.0% | 17.5% | 24.4% | 12.1% | 14.8% |