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PUNJAB & SIND BANK vs INDUSIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK INDUSIND BANK PUNJAB & SIND BANK/
INDUSIND BANK
 
P/E (TTM) x 44.3 14.0 317.6% View Chart
P/BV x 2.7 2.2 121.6% View Chart
Dividend Yield % 0.8 0.9 89.3%  

Financials

 PUNJAB & SIND BANK   INDUSIND BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
INDUSIND BANK
Mar-23
PUNJAB & SIND BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs451,275 3.5%   
Low Rs13764 1.6%   
Income per share (Unadj.) Rs11.8468.7 2.5%  
Earnings per share (Unadj.) Rs1.995.9 2.0%  
Cash flow per share (Unadj.) Rs5.8184.3 3.2%  
Dividends per share (Unadj.) Rs0.4814.00 3.4%  
Avg Dividend yield %1.71.4 122.3%  
Book value per share (Unadj.) Rs22.3708.3 3.1%  
Shares outstanding (eoy) m6,777.79775.90 873.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.42.2 111.4%   
Avg P/E ratio x14.810.6 138.8%  
Avg P/CF ratio x13.45.5 243.5%  
Avg Price/Bookvalue ratio x1.31.4 89.1%  
Dividend payout %24.814.6 169.8%   
Avg Mkt Cap Rs m193,675791,025 24.5%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44441,787 37.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927363,679 22.0%  
Other income Rs m9,40081,728 11.5%   
Interest expense Rs m50,194187,758 26.7%   
Net interest income Rs m29,734175,921 16.9%  
Operating expense Rs m24,634113,459 21.7%   
Gross profit Rs m5,10062,463 8.2%  
Gross profit margin %6.417.2 37.1%  
Provisions/contingencies Rs m1,36969,759 2.0%   
Profit before tax Rs m16,19899,322 16.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m04 0.0%   
Tax Rs m3,06824,891 12.3%   
Profit after tax Rs m13,13074,435 17.6%  
Net profit margin %16.420.5 80.3%  
BALANCE SHEET DATA
Advances Rs m768,1942,899,237 26.5%   
Deposits Rs m1,096,6553,361,202 32.6%  
Credit/Deposit ratio x70.086.3 81.2%  
Yield on advances %7.210.3 69.4%   
Cost of deposits %4.34.7 92.2%   
Net Interest Margin %2.44.7 51.8%  
Net fixed assets Rs m15,19419,435 78.2%   
Share capital Rs m67,7787,759 873.5%   
Free reserves Rs m83,307541,844 15.4%   
Net worth Rs m151,085549,603 27.5%   
Borrowings Rs m90,184490,112 18.4%   
Investments Rs m448,384830,757 54.0%   
Total assets Rs m1,364,5454,578,366 29.8%  
Debt/equity ratio x7.97.0 112.1%   
Return on assets %1.01.6 59.2%  
Return on equity %8.713.5 64.2%  
Capital adequacy ratio %17.117.9 95.7%  
Net NPAs %1.80.6 311.9%  
CASH FLOW
From Operations Rs m14,284-124,423 -11.5%  
From Investments Rs m-882-5,602 15.7%  
From Financial Activity Rs m-13,31711,148 -119.5%  
Net Cashflow Rs m85-118,079 -0.1%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 16.5 -  
Indian inst/Mut Fund % 0.7 69.0 1.0%  
FIIs % 0.0 42.0 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 83.6 2.1%  
Shareholders   156,109 359,688 43.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs Indusind Bank

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

Here's a brief comparison:

Punjab & Sind Bank vs Indusind Bank Share Price Performance

Period Punjab & Sind Bank Indusind Bank S&P BSE BANKEX
1-Day 6.26% 1.47% 0.82%
1-Month -4.49% 7.35% 2.48%
1-Year 151.33% 50.16% 19.28%
3-Year CAGR 52.63% 17.33% 12.00%
5-Year CAGR 13.80% -3.09% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the Indusind Bank share price.

Moving on to shareholding structures...

The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of Indusind Bank the stake stands at 16.5%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Punjab & Sind Bank and the shareholding pattern of Indusind Bank.

Finally, a word on dividends...

In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.

Indusind Bank paid Rs 14.0, and its dividend payout ratio stood at 14.6%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Indusind Bank.

For a sector overview, read our banking sector report.



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