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J&KBANK: Upcoming Capital Plan Will Support Stable Profitability Outlook

J&KBANK: Upcoming Board Meeting And Auditor Appointment Will Sustain Positive Momentum

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J&KBANK
AnalystConsensusTarget
Not Invested
Published 16 Mar 2025

Update shared on 03 Dec 2025

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Analysts have modestly reiterated their outlook on Jammu and Kashmir Bank, keeping the price target effectively unchanged at ₹131.00. Improved visibility on sustainable profitability and stable growth assumptions are seen as adequately reflected in current valuations.

What's in the News

  • Board meeting scheduled for November 26, 2025, to consider raising Tier I and/or Tier II capital and discuss other strategic matters (Key Developments)
  • Special shareholders meeting on November 23, 2025, via postal ballot to vote on appointing Arun Gandotra as an independent director (Key Developments)
  • Same shareholders meeting to decide on remuneration for the bank's non executive part time chairman (Key Developments)
  • Board meeting on October 18, 2025, to review and approve unaudited financial results for the quarter and half year ended September 30, 2025 (Key Developments)
  • Comptroller and Auditor General of India appoints M/s Gupta Sharma & Associates as Statutory Central Auditors for FY 2025 26 (Key Developments)

Valuation Changes

  • Fair Value: Maintained at ₹131.0 per share, indicating no change in the intrinsic value estimate.
  • Discount Rate: Edged down slightly from 14.78 percent to 14.77 percent, reflecting a marginally lower perceived risk profile.
  • Revenue Growth: Effectively unchanged at about 8.13 percent, suggesting stable long term growth expectations.
  • Net Profit Margin: Remains virtually flat at approximately 20.84 percent, indicating no meaningful revision to profitability assumptions.
  • Future P/E: Eased marginally from 11.92x to 11.92x, signaling a very small downward adjustment in the valuation multiple applied to future earnings.

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Disclaimer

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