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Jammu & Kashmir BankNSE:J&KBANK -0.58%50 Return-on-Tangible-Asset is 0.89% as of Jun. 2026, which is 102% above its 10-year median of 0.44. GuruFocus rates NSE:J&KBANK with a GF Score™ of 50/100 and a GF Value™ of ₹115.69 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, Jammu & Kashmir Bank ranks better than 70.16% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Jammu & Kashmir Bank's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹17,152 Mil. Jammu & Kashmir Bank's average total tangible assets for the quarter that ended in Jun. 2026 was ₹1,937,796 Mil. Therefore, Jammu & Kashmir Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 0.89%.
The historical rank and industry rank for Jammu & Kashmir Bank's Return-on-Tangible-Asset or its related term are showing as below:
NSE:J&KBANK'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.01 Med: 0.44 Max: 1.32
Current: 1.27
During the past 13 years, Jammu & Kashmir Bank's highest Return-on-Tangible-Asset was 1.32%. The lowest was -2.01%. And the median was 0.44%.
NSE:J&KBANK's Return-on-Tangible-Asset is ranked better than 70.16% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs NSE:J&KBANK: 1.27
Jammu & Kashmir Bank (NSE:J&KBANK) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Jammu & Kashmir Bank Return-on-Tangible-Asset Related Terms
Jammu & Kashmir Bank Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Jammu & Kashmir Bank's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Jammu & Kashmir Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Jammu & Kashmir Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Jammu & Kashmir Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Jammu & Kashmir Bank's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.89% mean?
Jammu & Kashmir Bank (NSE:J&KBANK) has a Return-on-Tangible-Asset of 0.89% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jammu & Kashmir Bank and its competitors. This is 102% above median its historical median of 0.44. According to the industry distribution chart, Jammu & Kashmir Bank ranks #456 out of 1528 companies in the Banks industry, placing it in the top 29.8%.
Is Jammu & Kashmir Bank's Return-on-Tangible-Asset too high?
Jammu & Kashmir Bank's current Return-on-Tangible-Asset of 0.89% is 102% above median its 10-year median of 0.44. The Banks industry median Return-on-Tangible-Asset is 1.01. Jammu & Kashmir Bank's value of 0.89% is 11.9% below this industry median. Based on the distribution chart, Jammu & Kashmir Bank ranks #456 out of 1528 companies in the Banks industry, which is above the industry midpoint. 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Jammu & Kashmir Bank ranks #456 out of 1528 companies for Return-on-Tangible-Asset. This puts Jammu & Kashmir Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 1.01. Jammu & Kashmir Bank's value of 0.89% is 11.9% below this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 1.01, Jammu & Kashmir Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jammu & Kashmir Bank's current Return-on-Tangible-Asset of 0.89% is 11.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jammu & Kashmir Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jammu & Kashmir Bank's current Return-on-Tangible-Asset is 0.89%, which is 102% above median its own 10-year median of 0.44. 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 ₹115.69, compared to a current price of ₹153.74 — trading 32.9% above its estimated fair value. The current Return-on-Tangible-Asset is 0.89%, which is 102% above median its 10-year median of 0.44 and 11.9% below the Banks industry median of 1.01. Jammu & Kashmir Bank's overall GF Score™ is 50/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Jammu & Kashmir Bank (NSE:J&KBANK), the current Return-on-Tangible-Asset is 0.89% 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 ₹153.74 is trading 32.9% above its estimated GF Value™ of ₹115.69.
GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.
Key valuation signals for NSE:J&KBANK:
Return-on-Tangible-Asset: 0.89% (102% above median its 10-year median of 0.44)
GF Value™: ₹115.69 vs. price of ₹153.74 (32.9% above fair value)
Industry Position: 11.9% below the Banks median (#456 of 1528)
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 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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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