PUNJAB & SIND BANK | INDUSIND BANK | PUNJAB & SIND BANK/ INDUSIND BANK |
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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% |
PUNJAB & SIND BANK INDUSIND BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
INDUSIND BANK Mar-23 |
PUNJAB & SIND BANK/ INDUSIND BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 1,275 | 3.5% | |
Low | Rs | 13 | 764 | 1.6% | |
Income per share (Unadj.) | Rs | 11.8 | 468.7 | 2.5% | |
Earnings per share (Unadj.) | Rs | 1.9 | 95.9 | 2.0% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 184.3 | 3.2% | |
Dividends per share (Unadj.) | Rs | 0.48 | 14.00 | 3.4% | |
Avg Dividend yield | % | 1.7 | 1.4 | 122.3% | |
Book value per share (Unadj.) | Rs | 22.3 | 708.3 | 3.1% | |
Shares outstanding (eoy) | m | 6,777.79 | 775.90 | 873.5% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 2.2 | 111.4% | |
Avg P/E ratio | x | 14.8 | 10.6 | 138.8% | |
Avg P/CF ratio | x | 13.4 | 5.5 | 243.5% | |
Avg Price/Bookvalue ratio | x | 1.3 | 1.4 | 89.1% | |
Dividend payout | % | 24.8 | 14.6 | 169.8% | |
Avg Mkt Cap | Rs m | 193,675 | 791,025 | 24.5% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 41,787 | 37.0% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 363,679 | 22.0% | |
Other income | Rs m | 9,400 | 81,728 | 11.5% | |
Interest expense | Rs m | 50,194 | 187,758 | 26.7% | |
Net interest income | Rs m | 29,734 | 175,921 | 16.9% | |
Operating expense | Rs m | 24,634 | 113,459 | 21.7% | |
Gross profit | Rs m | 5,100 | 62,463 | 8.2% | |
Gross profit margin | % | 6.4 | 17.2 | 37.1% | |
Provisions/contingencies | Rs m | 1,369 | 69,759 | 2.0% | |
Profit before tax | Rs m | 16,198 | 99,322 | 16.3% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 0 | 0 | - | |
Prior Period Items | Rs m | 0 | 4 | 0.0% | |
Tax | Rs m | 3,068 | 24,891 | 12.3% | |
Profit after tax | Rs m | 13,130 | 74,435 | 17.6% | |
Net profit margin | % | 16.4 | 20.5 | 80.3% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 2,899,237 | 26.5% | |
Deposits | Rs m | 1,096,655 | 3,361,202 | 32.6% | |
Credit/Deposit ratio | x | 70.0 | 86.3 | 81.2% | |
Yield on advances | % | 7.2 | 10.3 | 69.4% | |
Cost of deposits | % | 4.3 | 4.7 | 92.2% | |
Net Interest Margin | % | 2.4 | 4.7 | 51.8% | |
Net fixed assets | Rs m | 15,194 | 19,435 | 78.2% | |
Share capital | Rs m | 67,778 | 7,759 | 873.5% | |
Free reserves | Rs m | 83,307 | 541,844 | 15.4% | |
Net worth | Rs m | 151,085 | 549,603 | 27.5% | |
Borrowings | Rs m | 90,184 | 490,112 | 18.4% | |
Investments | Rs m | 448,384 | 830,757 | 54.0% | |
Total assets | Rs m | 1,364,545 | 4,578,366 | 29.8% | |
Debt/equity ratio | x | 7.9 | 7.0 | 112.1% | |
Return on assets | % | 1.0 | 1.6 | 59.2% | |
Return on equity | % | 8.7 | 13.5 | 64.2% | |
Capital adequacy ratio | % | 17.1 | 17.9 | 95.7% | |
Net NPAs | % | 1.8 | 0.6 | 311.9% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -124,423 | -11.5% | |
From Investments | Rs m | -882 | -5,602 | 15.7% | |
From Financial Activity | Rs m | -13,317 | 11,148 | -119.5% | |
Net Cashflow | Rs m | 85 | -118,079 | -0.1% |
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 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
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.
After opening the day on positive note, Indian share markets gained the momentum as the session progressed and ended on firm footing.