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The Jammu & Kashmir Bank Limited Q4 FY25 earnings call summary
NSE: J&KBANK · BSE: 532209
Earnings call of 6 May 2025, summarised by AI from the filing.
NIM guidance lowered to 3.70-3.80% from 3.92% in FY25.
Key takeaways
- Change NIM guidance lowered to 3.70-3.80% from 3.92% in FY25.
- Risk NIM pressure from expected rate cuts on deposits and loans.
The Jammu & Kashmir Bank Limited Q1 FY27 results
As filed: Revenue ₹3,547 cr, EBITDA ₹403 cr, PAT ₹425 cr, EBITDA margin 11.4%.
Not scored. Bank result format: not scored yet.
Earlier results and the share price after them
- Q4 FY26: Revenue ₹3,273 cr, EBITDA ₹600 cr, PAT ₹799 cr, EBITDA margin 18.3%. Not scored. Bank result format: not scored yet. Share price after the results: +9.6% in 30 days (Nifty 500: −1.4%).
- Q3 FY26: Revenue ₹3,315 cr, EBITDA ₹525 cr, PAT ₹588 cr, EBITDA margin 15.9%. Not scored. Bank result format: not scored yet. Share price after the results: +7.3% in 30 days (Nifty 500: +1.5%).
- Q2 FY26: Revenue ₹3,293 cr, EBITDA ₹478 cr, PAT ₹495 cr, EBITDA margin 14.5%. Not scored. Bank result format: not scored yet. Share price after the results: +3.3% in 30 days (Nifty 500: +1.5%).
- Q1 FY26: Revenue ₹3,269 cr, EBITDA ₹406 cr, PAT ₹486 cr, EBITDA margin 12.4%. Not scored. Bank result format: not scored yet. Share price after the results: −6.0% in 28 days (Nifty 500: −0.1%).
- Q4 FY25: Revenue ₹3,213 cr, EBITDA ₹404 cr, PAT ₹585 cr, EBITDA margin 12.6%. Not scored. Bank result format: not scored yet. Share price after the results: +9.1% in 30 days (Nifty 500: +2.8%).
- Q3 FY25: Revenue ₹3,210 cr, EBITDA ₹516 cr, PAT ₹532 cr, EBITDA margin 16.1%. Not scored. Bank result format: not scored yet.
- Q2 FY25: Revenue ₹3,124 cr, EBITDA ₹456 cr, PAT ₹553 cr, EBITDA margin 14.6%. Not scored. Bank result format: not scored yet.
Past price moves after results do not indicate future moves. Not a recommendation.
The Jammu & Kashmir Bank Limited earnings call, investor presentation and press release summaries
- Q1 FY27: Earnings call (29 Jul 2026), Results deck (29 Jul 2026)
- Q4 FY26: Earnings call (5 May 2026), Results press release (5 May 2026)
- Q3 FY26: Earnings call (20 Jan 2026), Results press release (20 Jan 2026)
- Q2 FY26: Earnings call (18 Oct 2025), Results press release (18 Oct 2025)
- Q1 FY26: Earnings call (28 Jul 2025), Results deck (25 Jul 2025)
- Q4 FY25: Earnings call (6 May 2025), Results press release (5 May 2025)
Figures from the company's filings with NSE and BSE. Not investment advice.