Jammu & Kashmir Bank (NSE:J&KBANK) EV-to-OCF: (As of Sep. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
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
Charlie Tian
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
50 GF Score
Price ₹147.03
GF Value ₹116.07
Valuation Modestly Overvalued
! 2 Warning Signs
View Full Analysis

What is Jammu & Kashmir Bank EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Jammu & Kashmir Bank's Enterprise Value is ₹124,680 Mil. Jammu & Kashmir Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₹0 Mil. Therefore, Jammu & Kashmir Bank's EV-to-OCF for today is .

The historical rank and industry rank for Jammu & Kashmir Bank's EV-to-OCF or its related term are showing as below:

NSE:J&KBANK' s EV-to-OCF Range Over the Past 10 Years
Min: -11.38   Med: 0   Max: -11.38
Current: -11.38

During the past 13 years, the highest EV-to-OCF of Jammu & Kashmir Bank was -11.38. The lowest was -11.38. And the median was .

NSE:J&KBANK's EV-to-OCF is ranked better than
90.13% of 1490 companies
in the Banks industry
Industry Median: 4.055 vs NSE:J&KBANK: -11.38

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-08), Jammu & Kashmir Bank's stock price is ₹147.03. Jammu & Kashmir Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹20.910. Therefore, Jammu & Kashmir Bank's PE Ratio (TTM) for today is 7.03.


Jammu & Kashmir Bank  (NSE:J&KBANK) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Jammu & Kashmir Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=147.03/20.910
=7.03

Jammu & Kashmir Bank's share price for today is ₹147.03.
Jammu & Kashmir Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹20.910.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Jammu & Kashmir Bank EV-to-OCF Related Terms


Jammu & Kashmir Bank EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Jammu & Kashmir Bank's EV-to-OCF 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 EV-to-OCF Chart

Jammu & Kashmir Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.74 19.02 0.33 -2.44 4.69

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
EV-to-OCF 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 0.00 0.00 0.00 4.69 0.00

Jammu & Kashmir Bank EV-to-OCF Competitor Comparison

For the Banks - Regional subindustry, Jammu & Kashmir Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Jammu & Kashmir Bank's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Jammu & Kashmir Bank's EV-to-OCF falls into.


NSE:J&KBANK
50GF Score
Jammu & Kashmir Bank Ltd NSE:J&KBANK
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Jammu & Kashmir Bank EV-to-OCF Calculation

Jammu & Kashmir Bank's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=124679.704/0
=

Jammu & Kashmir Bank's current Enterprise Value is ₹124,680 Mil.
Jammu & Kashmir Bank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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.

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 ₹147.03 is trading 26.7% above its estimated GF Value™ of ₹116.07. GuruFocus considers Jammu & Kashmir Bank to be Modestly Overvalued.

Key valuation signals for NSE:J&KBANK:

  • EV-to-OCF:
  • GF Value™: ₹116.07 vs. price of ₹147.03 (26.7% above fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for NSE:J&KBANK

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

₹147.03
Price
₹116.07
GF Value