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PNB GILTS vs SBI CARDS - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB GILTS SBI CARDS PNB GILTS/
SBI CARDS
 
P/E (TTM) x 133.7 27.8 481.9% View Chart
P/BV x 1.6 6.6 23.6% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 PNB GILTS   SBI CARDS
EQUITY SHARE DATA
    PNB GILTS
Mar-23
SBI CARDS
Mar-23
PNB GILTS/
SBI CARDS
5-Yr Chart
Click to enlarge
High Rs791,029 7.7%   
Low Rs55656 8.4%   
Income per share (Unadj.) Rs68.3144.5 47.3%  
Earnings per share (Unadj.) Rs-4.323.9 -18.0%  
Cash flow per share (Unadj.) Rs12.0124.7 9.6%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs70.0103.5 67.6%  
Shares outstanding (eoy) m180.01946.07 19.0%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.05.8 16.8%   
Avg P/E ratio x-15.635.3 -44.3%  
Avg P/CF ratio x-37.334.6 -107.8%  
Avg Price/Bookvalue ratio x1.08.1 11.8%  
Dividend payout %010.5 -0.0%   
Avg Mkt Cap Rs m12,079796,997 1.5%   
No. of employees `000NANA-   
Total wages & salary Rs m1165,619 2.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m12,298136,666 9.0%  
Other income Rs m66,190 0.1%   
Interest expense Rs m9,75622,840 42.7%   
Net interest income Rs m2,542113,826 2.2%  
Operating expense Rs m3,46488,073 3.9%   
Gross profit Rs m-92225,754 -3.6%  
Gross profit margin %-7.518.8 -39.8%  
Provisions/contingencies Rs m448449 99.9%   
Profit before tax Rs m-85130,306 -2.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-787,721 -1.0%   
Profit after tax Rs m-77222,585 -3.4%  
Net profit margin %-6.316.5 -38.0%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1.4524.4 0.3%  
Net fixed assets Rs m705,510 1.3%   
Share capital Rs m1,8009,461 19.0%   
Free reserves Rs m10,80088,439 12.2%   
Net worth Rs m12,60097,899 12.9%   
Borrowings Rs m192,384231,429 83.1%   
Investments Rs m186,97921,705 861.5%   
Total assets Rs m214,872452,989 47.4%  
Debt/equity ratio x15.32.4 645.9%   
Return on assets %-0.45.0 -7.2%  
Return on equity %-6.123.1 -26.6%  
Capital adequacy ratio %31.823.1 137.9%  
Net NPAs %00.9 0.0%  
CASH FLOW
From Operations Rs m-46,383-66,705 69.5%  
From Investments Rs m-144-9,214 1.6%  
From Financial Activity Rs m46,18078,236 59.0%  
Net Cashflow Rs m-3472,316 -15.0%  

Share Holding

Indian Promoters % 74.1 68.8 107.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 25.6 0.0%  
FIIs % 0.0 9.4 0.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 25.9 31.3 83.0%  
Shareholders   81,673 1,028,673 7.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB GILTS With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    INDIABULLS HOU. FIN.    AAVAS FINANCIERS    


More on PNB GILTS vs SBI CARDS

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

PNB GILTS vs SBI CARDS Share Price Performance

Period PNB GILTS SBI CARDS
1-Day 3.54% -1.31%
1-Month -0.14% -6.27%
1-Year 96.58% -3.83%
3-Year CAGR 32.25% -10.11%
5-Year CAGR 27.99% 0.01%

* Compound Annual Growth Rate

Here are more details on the PNB GILTS share price and the SBI CARDS share price.

Moving on to shareholding structures...

The promoters of PNB GILTS hold a 74.1% stake in the company. In case of SBI CARDS the stake stands at 68.8%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of PNB GILTS and the shareholding pattern of SBI CARDS.

Finally, a word on dividends...

In the most recent financial year, PNB GILTS paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of -0.0%.

SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 10.5%.

You may visit here to review the dividend history of PNB GILTS, and the dividend history of SBI CARDS.

For a sector overview, read our finance sector report.



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