AI Summary
✦ ClarthaPrice Forecast
Probabilistic Range
Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.
Revenue Forecast
₹ CrEPS Forecast
₹ / shareMulti-factor synthesis of 5 key dimensions
From 1 analysts
Fundamentals
Fundamentals institutional score is 59 using EVA spread proxy 2.6%; growth durability 47.0.
Valuation
Valuation institutional score is 8 using relative multiple z-scores where peer dispersion is available.
Analyst Consensus
Analyst View institutional score is 99 using mean target upside 39.5%; dispersion penalty 0; recommendation breadth from available consensus.
Technical Structure
Technicals institutional score is 57 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.
Market Sentiment
Recent news flow is skewing constructive on impact and recency. Based on 1 recent ticker-linked news items.
Signal Summary
Market intelligence remains Neutral. analyst consensus and market sentiment provide support, while valuation remain considerations.
Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.
Key Data Points
Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.
Valuation Metrics
Trading 39.7% above historical median. Valuation is stable — currently in the strongly overvalued zone (z-score: +2.24). Confidence: 50%.
Live forward EPS implies next-12-month EPS of ₹25.20. Applying the stock's normalized valuation corridor produces a fair range of ₹114.91 to ₹155.48, with base value near ₹135.32 (-13.7% vs current price).
Live forward estimate anchored to the company's historical valuation corridor.
Forward EPS
₹25.20
Forward P/E
6.2x
Base Fair Value
₹135.32
Fair Range
₹114.91 - ₹155.48
Upside To Base
-13.7%
Estimate Source
Live forward EPS
5Y Average
0.84
Current
1.05
Overvalued
0.97
Undervalued
0.72
5Y Average
4.06
Current
7.50
Overvalued
6.17
Undervalued
4.56
5Y Average
1.39
Current
2.57
Overvalued
1.60
Undervalued
1.18
Peers & Comparison
Sector: Financials · Theme: Private Banks
| Company | Rev. Growth | Margin | P/E | vs Avg | 52W Perf. |
|---|---|---|---|---|---|
KARNATAKA BANK LIMITED KTKBANKPrivate Banks | +26.1% | 41.5% | 8.2x Undervalued | -64% vs avg | +75.9% |
CSB BANK LIMITED CSBBANKPrivate Banks | +16.9% | 24.1% | 8.3x Undervalued | -63% vs avg | -20.0% |
CITY UNION BANK LTD CUBPrivate Banks | +23.3% | 37.8% | 15.4x Undervalued | -32% vs avg | +38.3% |
BANDHAN BANK LIMITED BANDHANBNKPrivate Banks | +21.6% | 13.6% | 20.8x Fair | -8% vs avg | +4.4% |
JANA SMALL FIN BANK LTD JSFBPrivate Banks | +25.1% | 12.9% | 14.5x Undervalued | -36% vs avg | +16.7% |
INDUSIND BANK LIMITED INDUSINDBKPrivate Banks | +1.0% | 7.6% | 60.9x Premium | +171% vs avg | +30.4% |
IDFC FIRST BANK LIMITED IDFCFIRSTBPrivate Banks | -1.1% | 32.8% | 33.1x Premium | +47% vs avg | +22.0% |
YES BANK LIMITED YESBANKPrivate Banks | +19.8% | 23.2% | 19.0x Undervalued | -16% vs avg | +20.8% |
J & K BANK LTD. trades at a discount (7.4x vs peer avg 22.5x), suggesting potential undervaluation relative to the Private Banks cohort. Peers include KARNATAKA BANK LIMITED, CSB BANK LIMITED, CITY UNION BANK LTD — selected based on business model, industry classification, market cap similarity, and business theme alignment.
Financials
Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.
Latest revenue
₹3.55K CrJun 2026Latest net profit
₹424 CrJun 2026Free cash flow
₹-1.60K CrMar 2026Net Profit
₹424 CrProfit conversionPerformance
Bars show revenue and net profit. The line shows net margin.
- Revenue
- Net income
- Net margin %
Revenue to profit conversion
Bridge from operating numbers to profit for the latest reported period.
Latest reported period: Jun 2026
Debt level and coverage
Debt, cash and free cash flow compared on the same crore scale.
- Free cash flow
- Cash & equivalents
Results
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 2,657 | 2,764 | 2,881 | 2,910 | 2,994 | 3,124 | 3,206 | 3,212 | 3,268 | 3,292 | 3,313 | 3,272 | 3,546 |
| Interest | 1,374 | 1,430 | 1,601 | 1,604 | 1,625 | 1,688 | 1,697 | 1,732 | 1,803 | 1,858 | 1,825 | 1,784 | 2,049 |
| Expenses + | 1,060 | 980 | 903 | 702 | 951 | 978 | 993 | 1,072 | 1,058 | 955 | 961 | 886 | 1,092 |
| Financing Profit | 223 | 354 | 378 | 604 | 418 | 458 | 516 | 408 | 407 | 479 | 528 | 601 | 405 |
| Financing Margin % | 8% | 13% | 13% | 21% | 14% | 15% | 16% | 13% | 12% | 15% | 16% | 18% | 11% |
| Other Income + | 228 | 190 | 182 | 225 | 194 | 296 | 242 | 402 | 250 | 155 | 278 | 259 | 214 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 451 | 544 | 560 | 829 | 612 | 754 | 758 | 809 | 658 | 634 | 806 | 861 | 619 |
| Tax % | 28% | 30% | 25% | 23% | 32% | 27% | 30% | 28% | 26% | 22% | 27% | 7% | 32% |
| Net Profit + | 326 | 381 | 421 | 639 | 415 | 551 | 532 | 585 | 485 | 494 | 587 | 798 | 424 |
| EPS in Rs | 3.16 | 3.69 | 3.82 | 5.80 | 3.77 | 5.00 | 4.83 | 5.31 | 4.40 | 4.49 | 5.33 | 7.24 | 3.85 |
| Gross NPA % | 5.77% | 5.26% | 4.84% | 4.08% | 3.91% | 3.95% | 4.08% | 3.37% | 3.50% | 3.32% | 3.00% | 2.50% | 2.37% |
| Net NPA % | 1.39% | 1.04% | 0.83% | 0.79% | 0.76% | 0.85% | 0.94% | 0.79% | 0.82% | 0.76% | 0.68% | 0.64% | 0.60% |
| Raw PDF |
All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).
Events Timeline
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Board Meeting Intimation for BOARD MEETING TO CONSIDER RAISING OF CAPITAL BY THE BANK