The Jammu and Kashmir Bank Limited (532209) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of The Jammu and Kashmir Bank Limited stock ₹308, price ₹117, upside +162.5%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range ₹22.93 – ₹192.20 · fair‑value band ₹215.62 – ₹400.43 · the ₹117.35 price screens below the ₹308.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 1, 2026.
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The Jammu and Kashmir Bank Limited (532209) currently trades at ₹117.35, while our model-based Fair Value estimate is ₹308.03, implying the stock looks roughly 61.9% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of ₹364.26 per share, and 8 of the 12 models we run sit above the ₹117.35 price.
Bear case: the Asset-Based group reads lowest at ₹100.39, and 4 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: ₹215.62 (bear) to ₹400.43 (bull), the price of ₹117.35 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Other sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
The Jammu and Kashmir Bank Limited reported revenue of ₹68.3B in FY2025 versus ₹47.0B in FY2021, a compound +9.8%/yr. Reported net income was ₹23.6B in FY2025, compounding +47.8%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹11.5B (≈ $121M) · EPS (TTM) ₹−19.59 · Net margin 34.5% · Free cash flow −₹16.0B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).
What moves the price
The share trades about 39% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Other peers we cover trades at −4% fair-value upside, at 162%, 532209 screens cheaper than that median.
Fair Value models
Bear₹215.62Fair Value ₹308.03Bull₹400.43
Price ₹117.35 · Upside +162.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.7%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.5%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Other · 90 stocks
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Cite: Fair Value Calculator (2026). "The Jammu and Kashmir Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/532209
Frequently asked questions
Is The Jammu and Kashmir Bank Limited (532209) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of ₹308.03 versus a price of ₹117.35, about +162% upside (undervalued).
What is the fair value of 532209?
Our model-based fair value for The Jammu and Kashmir Bank Limited is ₹308.03 (as of Nov 1, 2026), built from audited fundamentals. The current price: ₹117.35.
What is the quality score of 532209?
The Jammu and Kashmir Bank Limited has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Jammu and Kashmir Bank Limited (532209)?
Our model-based price target is the fair value of ₹308.03 (as of Nov 1, 2026) from 12 valuation models. Cautious scenario ₹215.62, optimistic scenario ₹400.43. It is a calculation from audited fundamentals, not an analyst target.
What is the The Jammu and Kashmir Bank Limited stock forecast for 2026?
Our models put fair value at ₹308.03, about +162% upside versus a price of ₹117.35 (undervalued). Cautious scenario ₹215.62, optimistic scenario ₹400.43. The calculation is refreshed regularly with new filings.
What is the intrinsic value of The Jammu and Kashmir Bank Limited (532209)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Jammu and Kashmir Bank Limited it is ₹308.03 per share (as of Nov 1, 2026), against a price of ₹117.35. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is The Jammu and Kashmir Bank Limited stock overvalued or undervalued in 2026?
As of Nov 1, 2026, 532209 trades below its calculated fair value: price ₹117.35, fair value ₹308.03, a gap of about +162% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 532209?
No. The price is what the market pays today (₹117.35); the fair value is what the company's own numbers justify (₹308.03). For The Jammu and Kashmir Bank Limited the two are ₹190.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is The Jammu and Kashmir Bank Limited worth?
The market values The Jammu and Kashmir Bank Limited at about ₹11.5B (market capitalisation, as of Nov 1, 2026). Per share that is ₹117.35; our models calculate a fair value of ₹308.03 per share.
What do the bullish and bearish scenarios say about 532209?
Our models span a range for The Jammu and Kashmir Bank Limited: cautious scenario ₹215.62, base ₹308.03, optimistic ₹400.43 per share (as of Nov 1, 2026, price ₹117.35). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of The Jammu and Kashmir Bank Limited (532209)?
Balance-sheet figures for The Jammu and Kashmir Bank Limited (as of Nov 1, 2026): debt of 0.14 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 532209 from its 52-week high?
The Jammu and Kashmir Bank Limited trades at ₹117.35, about 39% below its 52-week high of ₹192.20 and 20% above the low of ₹98.05 (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of ₹308.03 is for.
Which stocks are comparable to The Jammu and Kashmir Bank Limited?
From the same area (Other) we also value 542772, Chambal Fertilisers and Chemicals Limited, 532468, Indiabulls Real Estate Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Jammu and Kashmir Bank Limited stock attractive at the current price?
The data as of Nov 1, 2026: price ₹117.35, calculated fair value ₹308.03 (+162%), Quality Score 40/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 532209 calculated?
We run The Jammu and Kashmir Bank Limited through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹308.03, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. The Jammu and Kashmir Bank Limited currently trades 62 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Jammu and Kashmir Bank Limited (532209)?
The closing price on Oct 30, 2026 was ₹117.35. Our model-based fair value is ₹308.03, about +162% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Jammu and Kashmir Bank Limited right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹215.62). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹215.62 to ₹400.43) leaves room in how you read the outcome.
Key figures of The Jammu and Kashmir Bank Limited
How large is the market capitalisation of The Jammu and Kashmir Bank Limited (532209)?
The market capitalisation of The Jammu and Kashmir Bank Limited is ₹11.5B (≈ $121M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What are the earnings per share of The Jammu and Kashmir Bank Limited (532209)?
Earnings per share at The Jammu and Kashmir Bank Limited are ₹−19.59. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of The Jammu and Kashmir Bank Limited (532209)?
The net margin of The Jammu and Kashmir Bank Limited is 34.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much free cash flow does The Jammu and Kashmir Bank Limited (532209) generate?
The free cash flow of The Jammu and Kashmir Bank Limited is −₹16.0B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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