TickerKhojComparison · NSE · data 2026-11-01
Jammu & Kashmir Bank Ltd. vs Ujjivan Small Finance Bank Ltd.
In plain words
Size: Jammu & Kashmir Bank Ltd. is about 1.2 times the market value of Ujjivan Small Finance Bank Ltd..
Valuation (P/E): Ujjivan Small Finance Bank Ltd. 9.1 vs Jammu & Kashmir Bank Ltd. 5.5.
Return on equity: Jammu & Kashmir Bank Ltd. 15.4% vs Ujjivan Small Finance Bank Ltd. 10.7%.
Profit growth over 3 years: Jammu & Kashmir Bank Ltd. 26% a year vs Ujjivan Small Finance Bank Ltd. -13.7% a year.
Debt to equity: Ujjivan Small Finance Bank Ltd. 2.16 vs Jammu & Kashmir Bank Ltd. 0.41.
Differences in the numbers, not a recommendation of either stock.
Side by side
| J&KBANK | UJJIVANSFB | |
|---|---|---|
| Price | ₹117.19 | ₹53.09 |
| Market cap | ₹12,922 cr | ₹10,390 cr |
| P/E | 5.5 | 9.1 |
| P/B | 0.7 | 1.4 |
| ROE | 15.4% | 10.7% |
| ROCE | 2.8% | 2.3% |
| Debt / equity | 0.41 | 2.16 |
| Operating margin | 42.6% | 26.9% |
| Dividend yield | 1.83% | 0.00% |
| Sales growth, 3 years (yearly) | 12.1% | 19.1% |
| Profit growth, 3 years (yearly) | 26.0% | -13.7% |
| 1-year return | 8.9% | 1.1% |
| Revenue, last 12 months | ₹14,945 cr | ₹8,962 cr |
| Net profit, last 12 months | ₹2,362 cr | ₹1,149 cr |
| Latest quarter | Jun 2026 | Sept 2026 |
| Quarter net profit | ₹429 cr | ₹365 cr |
| Quarter profit vs a year earlier | -11.5% | +199.9% |
| Promoter holding | 59.40% | — |
| Health check | Average (6.3/10) | Average (5.3/10) |
Common questions
Which has a higher P/E, Jammu & Kashmir Bank Ltd. or Ujjivan Small Finance Bank Ltd.?
Ujjivan Small Finance Bank Ltd. trades at the higher P/E (9.1 against 5.5). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Jammu & Kashmir Bank Ltd. (15.4% against 10.7%).
Which carries more debt?
Ujjivan Small Finance Bank Ltd. has the higher debt-to-equity ratio (2.16 against 0.41).