Jammu & Kashmir Bank (NSE:J&KBANK) Cyclically Adjusted Revenue per Share: ₹75.48 (As of Mar. 2026)

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NSE:J&KBANK Jammu & Kashmir Bank Ltd NSE:J&KBANK
50 GF Score
Price ₹172.57
GF Value ₹118.24
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share?

Jammu & Kashmir Bank NSE:J&KBANK -0.48% 50 Cyclically Adjusted Revenue per Share is ₹75.48 as of Mar. 2026. GuruFocus rates NSE:J&KBANK with a GF Score™ of 50/100 and a GF Value™ of ₹118.24 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Jammu & Kashmir Bank's adjusted revenue per share for the three months ended in Mar. 2026 was ₹15.904. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is ₹75.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Jammu & Kashmir Bank's average Cyclically Adjusted Revenue Growth Rate was 1.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

As of today (2026-07-25), Jammu & Kashmir Bank's current stock price is ₹172.57. Jammu & Kashmir Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was ₹75.48. Jammu & Kashmir Bank's Cyclically Adjusted PS Ratio of today is 2.29.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Jammu & Kashmir Bank was 2.55. The lowest was 1.21. And the median was 1.39.


Jammu & Kashmir Bank  (NSE:J&KBANK) Cyclically Adjusted Revenue per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Jammu & Kashmir Bank's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=172.57/75.48
=2.29

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Jammu & Kashmir Bank was 2.55. The lowest was 1.21. And the median was 1.39.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share Related Terms


Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Jammu & Kashmir Bank's Cyclically Adjusted Revenue per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share Chart

Jammu & Kashmir Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 74.20 75.48

Jammu & Kashmir Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Revenue per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 74.20 74.74 75.37 75.41 75.48

Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share Competitor Comparison

For the Banks - Regional subindustry, Jammu & Kashmir Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Jammu & Kashmir Bank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Jammu & Kashmir Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Jammu & Kashmir Bank's Cyclically Adjusted PS Ratio falls into.


NSE:J&KBANK
50GF Score
Jammu & Kashmir Bank Ltd NSE:J&KBANK
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jammu & Kashmir Bank Cyclically Adjusted Revenue per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

What is Cyclically Adjusted Revenue per Share? How do we calculate Cyclically Adjusted Revenue per Share?

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Jammu & Kashmir Bank's adjusted Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=15.904/164.2724*164.2724
=15.904

Current CPI (Mar. 2026) = 164.2724.

Jammu & Kashmir Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201003 0.000 65.030 0.000
201103 0.000 70.768 0.000
201203 0.000 76.889 0.000
201303 0.000 85.687 0.000
201403 0.000 91.425 0.000
201503 0.000 97.163 0.000
201603 0.000 102.518 0.000
201703 0.000 105.196 0.000
201803 0.000 109.786 0.000
201809 16.281 115.142 23.228
201812 18.856 115.142 26.902
201903 21.892 118.202 30.425
201906 19.542 120.880 26.557
201909 18.960 123.175 25.286
201912 25.094 126.235 32.655
202003 13.042 124.705 17.180
202006 15.323 127.000 19.820
202009 15.381 130.118 19.418
202012 17.899 130.889 22.464
202103 14.976 131.771 18.670
202106 16.232 134.084 19.887
202109 15.673 135.847 18.953
202112 12.492 138.161 14.853
202203 12.614 138.822 14.927
202206 12.852 142.347 14.832
202209 14.045 144.661 15.949
202212 15.594 145.763 17.574
202303 13.764 146.865 15.395
202306 14.671 150.280 16.037
202309 14.803 151.492 16.052
202312 14.050 152.924 15.093
202403 13.195 153.035 14.164
202406 14.236 155.789 15.011
202409 15.773 157.882 16.411
202412 15.932 158.323 16.531
202503 17.103 157.552 17.833
202506 15.619 159.755 16.061
202509 14.449 162.289 14.626
202512 16.095 163.281 16.193
202603 15.904 164.272 15.904

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of ₹75.48 mean?
Jammu & Kashmir Bank (NSE:J&KBANK) has a Cyclically Adjusted Revenue per Share of ₹75.48 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Jammu & Kashmir Bank and its competitors.
Is Jammu & Kashmir Bank's Cyclically Adjusted Revenue per Share too high?
Jammu & Kashmir Bank's current Cyclically Adjusted Revenue per Share is ₹75.48. Overall, Jammu & Kashmir Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jammu & Kashmir Bank's Cyclically Adjusted Revenue per Share compare to competitors?
Jammu & Kashmir Bank's Cyclically Adjusted Revenue per Share of ₹75.48 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Jammu & Kashmir Bank and its competitors. Jammu & Kashmir Bank's current Cyclically Adjusted Revenue per Share is ₹75.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jammu & Kashmir Bank stock overvalued right now?
Based on GuruFocus' analysis, Jammu & Kashmir Bank (NSE:J&KBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹118.24, compared to a current price of ₹172.57 — trading 45.9% above its estimated fair value. The current Cyclically Adjusted Revenue per Share is ₹75.48. Jammu & Kashmir Bank's overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Jammu & Kashmir Bank (NSE:J&KBANK), the current Cyclically Adjusted Revenue per Share is ₹75.48 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Jammu & Kashmir Bank (NSE:J&KBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Jammu & Kashmir Bank stock appears to be overvalued. The current stock price of ₹172.57 is trading 45.9% above its estimated GF Value™ of ₹118.24. GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.

Key valuation signals for NSE:J&KBANK:

  • Cyclically Adjusted Revenue per Share: ₹75.48
  • GF Value™: ₹118.24 vs. price of ₹172.57 (45.9% above fair value)
  • GF Score™: 50/100 with 3 warning signs

No single metric tells the full story. See the NSE:J&KBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Jammu & Kashmir Bank Business Description

Other Exchanges 532209:India
Address Maulana Azad Road, Srinagar, IND, 190001
Jammu & Kashmir Bank Ltd is a bank that has businesses comprised of treasury, corporate/wholesale banking, retail banking and others. The bank's personal financial products include various loan products, personal account services, term bank deposits, mutual funds, bank cards, and insurance products. The company has Four crucial business segments namely Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Business. The company generates majority of its revenue from Retail Banking segment. The bank's financial products for businesses include loans, business accounts, agriculture accounts, and others.
50GF Score

Get the complete analysis for NSE:J&KBANK

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹172.57
Price
₹118.24
GF Value