J & K BANK LTD. Fair Value
J&KBANK · Financial Services · Current price ₹147.4
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹170 | 15% ROE fading to 13% over ~10 yrs, on ₹150 book |
| Relative P/E | ₹201 | EPS × 9.4 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹218 | Street consensus 12-month target price |
Is J & K BANK LTD. undervalued?
DocStoX estimates the fair value of J & K BANK LTD. at ₹185 per share, versus the current market price of ₹147. That puts the stock about +25.8% below our fair-value estimate, which we read as "Buy". Our confidence in this estimate is high.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹170), Relative P/E (₹201), Analyst target (₹218). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹158 (bear) to ₹185 (base) to ₹218 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on J & K BANK LTD.
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.