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EQUITAS SMALL FINANCE BANK vs PUNJAB & SIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    EQUITAS SMALL FINANCE BANK PUNJAB & SIND BANK EQUITAS SMALL FINANCE BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 13.4 44.3 30.3% View Chart
P/BV x 2.0 2.7 76.0% View Chart
Dividend Yield % 1.1 0.8 134.7%  

Financials

 EQUITAS SMALL FINANCE BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    EQUITAS SMALL FINANCE BANK
Mar-23
PUNJAB & SIND BANK
Mar-23
EQUITAS SMALL FINANCE BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs7845 174.4%   
Low Rs3813 300.0%   
Income per share (Unadj.) Rs37.511.8 317.8%  
Earnings per share (Unadj.) Rs5.21.9 266.6%  
Cash flow per share (Unadj.) Rs19.95.8 341.0%  
Dividends per share (Unadj.) Rs1.000.48 208.3%  
Avg Dividend yield %1.71.7 103.2%  
Book value per share (Unadj.) Rs46.422.3 208.1%  
Shares outstanding (eoy) m1,110.566,777.79 16.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.52.4 63.5%   
Avg P/E ratio x11.214.8 75.7%  
Avg P/CF ratio x5.413.4 40.8%  
Avg Price/Bookvalue ratio x1.21.3 97.0%  
Dividend payout %19.424.8 78.1%   
Avg Mkt Cap Rs m64,063193,675 33.1%   
No. of employees `000NANA-   
Total wages & salary Rs m10,96715,444 71.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m41,61979,927 52.1%  
Other income Rs m6,6969,400 71.2%   
Interest expense Rs m16,17250,194 32.2%   
Net interest income Rs m25,44729,734 85.6%  
Operating expense Rs m20,38324,634 82.7%   
Gross profit Rs m5,0645,100 99.3%  
Gross profit margin %12.26.4 190.7%  
Provisions/contingencies Rs m6,0241,369 440.0%   
Profit before tax Rs m7,68816,198 47.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,9523,068 63.6%   
Profit after tax Rs m5,73613,130 43.7%  
Net profit margin %13.816.4 83.9%  
BALANCE SHEET DATA
Advances Rs m257,986768,194 33.6%   
Deposits Rs m253,8061,096,655 23.1%  
Credit/Deposit ratio x101.670.0 145.1%  
Yield on advances %14.67.2 203.7%   
Cost of deposits %5.44.3 124.4%   
Net Interest Margin %7.82.4 320.7%  
Net fixed assets Rs m3,37715,194 22.2%   
Share capital Rs m11,10667,778 16.4%   
Free reserves Rs m40,41783,307 48.5%   
Net worth Rs m51,523151,085 34.1%   
Borrowings Rs m29,73890,184 33.0%   
Investments Rs m66,646448,384 14.9%   
Total assets Rs m349,5811,364,545 25.6%  
Debt/equity ratio x5.57.9 70.1%   
Return on assets %1.61.0 170.5%  
Return on equity %11.18.7 128.1%  
Capital adequacy ratio %23.817.1 139.2%  
Net NPAs %1.21.8 65.8%  
CASH FLOW
From Operations Rs m-9,97714,284 -69.8%  
From Investments Rs m-2,613-882 296.3%  
From Financial Activity Rs m601-13,317 -4.5%  
Net Cashflow Rs m-8,88385 -10,453.8%  

Share Holding

Indian Promoters % 0.0 98.3 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 65.3 0.7 9,886.4%  
FIIs % 19.6 0.0 196,100.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 100.0 1.8 5,714.3%  
Shareholders   361,709 156,109 231.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare EQUITAS SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on EQUITAS SMALL FINANCE BANK vs Punjab & Sind Bank

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

Here's a brief comparison:

EQUITAS SMALL FINANCE BANK vs Punjab & Sind Bank Share Price Performance

Period EQUITAS SMALL FINANCE BANK Punjab & Sind Bank S&P BSE BANKEX
1-Day -0.48% 6.26% 0.82%
1-Month -7.22% -4.49% 2.48%
1-Year 43.69% 151.33% 19.28%
3-Year CAGR 15.45% 52.63% 12.00%
5-Year CAGR 23.06% 13.80% 9.40%

* Compound Annual Growth Rate

Here are more details on the EQUITAS SMALL FINANCE BANK share price and the Punjab & Sind Bank share price.

Moving on to shareholding structures...

The promoters of EQUITAS SMALL FINANCE BANK hold a 0.0% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.

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

Finally, a word on dividends...

In the most recent financial year, EQUITAS SMALL FINANCE BANK paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 19.4%.

Punjab & Sind Bank paid Rs 0.5, and its dividend payout ratio stood at 24.8%.

You may visit here to review the dividend history of EQUITAS SMALL FINANCE BANK, and the dividend history of Punjab & Sind Bank.

For a sector overview, read our banking sector report.



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