Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

The 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 offers savings, current, salary, pension, and small accounts; and term deposits. In addition, the company provides housing, consumer, education, term, car, coaching fee, personal consumption, and skill loans; festival advances; and laptop/PC, smartphone, school education, modular kitchen, Sahafat, solar equipment, and two-wheeler finance services, as well as cash credit schemes, and loans against gold ornaments and jewellery. Further, it offers commercial vehicle, school bus, passenger bus/mini bus, dastkar, craftsmen, commercial premises, contractor, mini sheep farm establishment, construction equipment, and tourism financing services; Saral financing services to small businessmen; mortgage loans for trade and service sector, loans against property, fair price shop schemes, and start-ups financing services; Karobar cards; guaranteed emergency credit lines; credit guarantee schemes for subordinate debt; asset based agri loans, fruit advances schemes, and Giri finance schemes; and mortgage loan schemes for agricultural produce traders. Additionally, the company provides govt sponsored schemes; life and non-life insurance products; debit, credit, and prepaid cards; and merchant acquiring services. The Jammu and Kashmir Bank Limited was incorporated in 1938 and is headquartered in Srinagar, India.

Revenue projections:

Revenue projections for J&KBANK
Revenue projections for J&KBANK

The Jammu and Kashmir Bank Limited's revenue projections show a decrease from last year, which tends to make investors more cautious. This could have a negative impact on the company's bottom line, as lower revenues typically suggest reduced profitability and growth potential, prompting concern among investors.

Financial Ratios:

currentRatio 0.000000
forwardPE 6.469565
debtToEquity 0.000000
earningsGrowth -0.106000
revenueGrowth -0.059000
grossMargins 0.000000
operatingMargins 0.395790
trailingEps 18.980000
forwardEps 0.000000

J&KBANK's low earnings and revenue growth suggest shrinking profits are likely. This could reflect broader financial struggles, signaling that the company might face difficulties in sustaining its profitability.
J&KBANK's negative gross and operating margins indicate that the company is operating at a loss. This reflects an inability to cover production costs and operational expenses, which could undermine its financial stability.

Price projections:

Price projections for J&KBANK
Price projections for J&KBANK



Recommendation changes over time:

Recommendations trend for J&KBANK
Recommendations trend for J&KBANK


Analysts have shown a buy bias for J&KBANK, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to J&KBANK, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.