Jammu & Kashmir Bank (NSE:J&KBANK) E10: ₹9.61 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:J&KBANK Jammu & Kashmir Bank Ltd NSE:J&KBANK
48 GF Score
Price ₹156.00
GF Value ₹115.96
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Jammu & Kashmir Bank E10?

Jammu & Kashmir Bank NSE:J&KBANK +1.47% 48 E10 is ₹9.61 as of Jun. 2026. GuruFocus rates NSE:J&KBANK with a GF Score™ of 48/100 and a GF Value™ of ₹115.96 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Jammu & Kashmir Bank's adjusted earnings per share data for the three months ended in Jun. 2026 was ₹3.890. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₹9.61 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Jammu & Kashmir Bank's average E10 Growth Rate was 25.60% 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 E10 growth rate using E10 data.

As of today (2026-08-02), Jammu & Kashmir Bank's current stock price is ₹156.00. Jammu & Kashmir Bank's E10 for the quarter that ended in Jun. 2026 was ₹9.61. Jammu & Kashmir Bank's Shiller PE Ratio of today is 16.23.

During the past 13 years, the highest Shiller PE Ratio of Jammu & Kashmir Bank was 20.00. The lowest was 11.70. And the median was 13.78.


Jammu & Kashmir Bank  (NSE:J&KBANK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Jammu & Kashmir Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=156.00/9.61
=16.23

* 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 Shiller P/E Ratio of Jammu & Kashmir Bank was 20.00. The lowest was 11.70. And the median was 13.78.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Jammu & Kashmir Bank E10 Related Terms


Jammu & Kashmir Bank E10 Historical Data

* Premium members only.

The historical data trend for Jammu & Kashmir Bank's E10 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 E10 Chart

Jammu & Kashmir Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 7.18 9.32

Jammu & Kashmir Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 7.65 8.13 8.61 9.32 9.61

Jammu & Kashmir Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Jammu & Kashmir Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Jammu & Kashmir Bank's Shiller PE Ratio falls into.


NSE:J&KBANK
48GF Score
Jammu & Kashmir Bank Ltd NSE:J&KBANK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jammu & Kashmir Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=3.89/166.1454*166.1454
=3.890

Current CPI (Jun. 2026) = 166.1454.

Jammu & Kashmir Bank Quarterly Data

per share eps CPI Adj_EPS
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 1.680 115.142 2.424
201812 1.880 115.142 2.713
201903 3.850 118.202 5.412
201906 0.380 120.880 0.522
201909 -16.510 123.175 -22.270
201912 1.210 126.235 1.593
202003 -4.720 124.705 -6.288
202006 0.030 127.000 0.039
202009 0.530 130.118 0.677
202012 0.930 130.889 1.181
202103 4.516 131.771 5.694
202106 1.400 134.084 1.735
202109 1.440 135.847 1.761
202112 1.810 138.161 2.177
202203 1.240 138.822 1.484
202206 1.670 142.347 1.949
202209 2.490 144.661 2.860
202212 3.190 145.763 3.636
202303 4.890 146.865 5.532
202306 3.210 150.280 3.549
202309 3.720 151.492 4.080
202312 4.050 152.924 4.400
202403 5.840 153.035 6.340
202406 3.800 155.789 4.053
202409 5.020 157.882 5.283
202412 4.800 158.323 5.037
202503 5.280 157.552 5.568
202506 4.400 159.755 4.576
202509 4.490 162.289 4.597
202512 5.280 163.281 5.373
202603 7.250 164.272 7.333
202606 3.890 166.145 3.890

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₹9.61 mean?
Jammu & Kashmir Bank (NSE:J&KBANK) has a E10 of ₹9.61 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jammu & Kashmir Bank and its competitors.
Is Jammu & Kashmir Bank's E10 too high?
Jammu & Kashmir Bank's current E10 is ₹9.61. Overall, Jammu & Kashmir Bank has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jammu & Kashmir Bank's E10 compare to competitors?
Jammu & Kashmir Bank's E10 of ₹9.61 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Jammu & Kashmir Bank and its competitors. Jammu & Kashmir Bank's current E10 is ₹9.61. 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 ₹115.96, compared to a current price of ₹156.00 — trading 34.5% above its estimated fair value. The current E10 is ₹9.61. Jammu & Kashmir Bank's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Jammu & Kashmir Bank (NSE:J&KBANK), the current E10 is ₹9.61 as of Jun. 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 ₹156.00 is trading 34.5% above its estimated GF Value™ of ₹115.96. GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.

Key valuation signals for NSE:J&KBANK:

  • E10: ₹9.61
  • GF Value™: ₹115.96 vs. price of ₹156.00 (34.5% above fair value)
  • GF Score™: 48/100 with 2 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.
48GF Score

Get the complete analysis for NSE:J&KBANK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹156.00
Price
₹115.96
GF Value