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- PUNJAB & SIND BANK - KARUR VYSYA BANK
PUNJAB & SIND BANK vs KARUR VYSYA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | KARUR VYSYA BANK | PUNJAB & SIND BANK/ KARUR VYSYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.3 | 10.2 | 433.8% | View Chart |
| P/BV | x | 2.7 | 1.8 | 151.3% | View Chart |
| Dividend Yield | % | 0.8 | 1.1 | 75.9% |
Financials
 PUNJAB & SIND BANK  KARUR VYSYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
KARUR VYSYA BANK Mar-23 |
PUNJAB & SIND BANK/ KARUR VYSYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 116 | 38.5% | |
| Low | Rs | 13 | 42 | 29.9% | |
| Income per share (Unadj.) | Rs | 11.8 | 81.2 | 14.5% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 13.8 | 14.0% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 26.2 | 22.2% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 2.00 | 24.0% | |
| Avg Dividend yield | % | 1.7 | 2.5 | 66.2% | |
| Book value per share (Unadj.) | Rs | 22.3 | 107.0 | 20.8% | |
| Shares outstanding (eoy) | m | 6,777.79 | 802.05 | 845.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.0 | 249.6% | |
| Avg P/E ratio | x | 14.8 | 5.7 | 257.9% | |
| Avg P/CF ratio | x | 13.4 | 2.6 | 522.8% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.7 | 173.9% | |
| Dividend payout | % | 24.8 | 14.5 | 170.8% | |
| Avg Mkt Cap | Rs m | 193,675 | 63,262 | 306.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 10,060 | 153.5% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 65,166 | 122.7% | |
| Other income | Rs m | 9,400 | 11,589 | 81.1% | |
| Interest expense | Rs m | 50,194 | 31,677 | 158.5% | |
| Net interest income | Rs m | 29,734 | 33,488 | 88.8% | |
| Operating expense | Rs m | 24,634 | 20,320 | 121.2% | |
| Gross profit | Rs m | 5,100 | 13,168 | 38.7% | |
| Gross profit margin | % | 6.4 | 20.2 | 31.6% | |
| Provisions/contingencies | Rs m | 1,369 | 13,697 | 10.0% | |
| Profit before tax | Rs m | 16,198 | 14,369 | 112.7% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,068 | 3,308 | 92.8% | |
| Profit after tax | Rs m | 13,130 | 11,061 | 118.7% | |
| Net profit margin | % | 16.4 | 17.0 | 96.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 631,341 | 121.7% | |
| Deposits | Rs m | 1,096,655 | 766,376 | 143.1% | |
| Credit/Deposit ratio | x | 70.0 | 82.4 | 85.0% | |
| Yield on advances | % | 7.2 | 8.4 | 84.9% | |
| Cost of deposits | % | 4.3 | 4.0 | 107.5% | |
| Net Interest Margin | % | 2.4 | 4.1 | 59.8% | |
| Net fixed assets | Rs m | 15,194 | 4,176 | 363.8% | |
| Share capital | Rs m | 67,778 | 1,604 | 4,225.3% | |
| Free reserves | Rs m | 83,307 | 84,214 | 98.9% | |
| Net worth | Rs m | 151,085 | 85,818 | 176.1% | |
| Borrowings | Rs m | 90,184 | 14,320 | 629.8% | |
| Investments | Rs m | 448,384 | 188,083 | 238.4% | |
| Total assets | Rs m | 1,364,545 | 901,794 | 151.3% | |
| Debt/equity ratio | x | 7.9 | 9.1 | 86.4% | |
| Return on assets | % | 1.0 | 1.2 | 78.5% | |
| Return on equity | % | 8.7 | 12.9 | 67.4% | |
| Capital adequacy ratio | % | 17.1 | 18.6 | 92.1% | |
| Net NPAs | % | 1.8 | 0.7 | 248.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 12,172 | 117.3% | |
| From Investments | Rs m | -882 | -12,702 | 6.9% | |
| From Financial Activity | Rs m | -13,317 | -1,781 | 747.9% | |
| Net Cashflow | Rs m | 85 | -2,310 | -3.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 2.2 | 4,425.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 50.8 | 1.3% | |
| FIIs | % | 0.0 | 15.6 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 97.8 | 1.8% | |
| Shareholders | 184,679 | 232,052 | 79.6% | ||
| Pledged promoter(s) holding | % | 0.0 | 7.3 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Karur Vysya 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 Karur Vysya Bank Share Price Performance
| Period | Punjab & Sind Bank | Karur Vysya Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.12% | 0.48% | -0.50% |
| 1-Month | 3.75% | 7.08% | 1.73% |
| 1-Year | 85.29% | 93.70% | 12.08% |
| 3-Year CAGR | 49.84% | 51.54% | 14.00% |
| 5-Year CAGR | 14.27% | 18.65% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Karur Vysya 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 Karur Vysya Bank the stake stands at 2.2%.
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 Karur Vysya 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%.
Karur Vysya Bank paid Rs 2.0, and its dividend payout ratio stood at 14.5%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Karur Vysya Bank.
For a sector overview, read our banking sector report.
Today's Market
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Sensex Today Ends 456 Points Lower | IT Stocks Drag | 5 Reasons Why Indian Share Market is Falling(Closing)
After opening the negative note, Indian share markets Slipped further as the session progressed and ended the day weak.
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