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INDUSIND BANK vs PUNJAB & SIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    INDUSIND BANK PUNJAB & SIND BANK INDUSIND BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 14.0 44.3 31.5% View Chart
P/BV x 2.2 2.7 82.2% View Chart
Dividend Yield % 0.9 0.8 112.0%  

Financials

 INDUSIND BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    INDUSIND BANK
Mar-23
PUNJAB & SIND BANK
Mar-23
INDUSIND BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs1,27545 2,856.1%   
Low Rs76413 6,110.0%   
Income per share (Unadj.) Rs468.711.8 3,974.7%  
Earnings per share (Unadj.) Rs95.91.9 4,952.1%  
Cash flow per share (Unadj.) Rs184.35.8 3,165.9%  
Dividends per share (Unadj.) Rs14.000.48 2,916.7%  
Avg Dividend yield %1.41.7 81.7%  
Book value per share (Unadj.) Rs708.322.3 3,177.7%  
Shares outstanding (eoy) m775.906,777.79 11.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.22.4 89.8%   
Avg P/E ratio x10.614.8 72.0%  
Avg P/CF ratio x5.513.4 41.1%  
Avg Price/Bookvalue ratio x1.41.3 112.3%  
Dividend payout %14.624.8 58.9%   
Avg Mkt Cap Rs m791,025193,675 408.4%   
No. of employees `000NANA-   
Total wages & salary Rs m41,78715,444 270.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m363,67979,927 455.0%  
Other income Rs m81,7289,400 869.5%   
Interest expense Rs m187,75850,194 374.1%   
Net interest income Rs m175,92129,734 591.7%  
Operating expense Rs m113,45924,634 460.6%   
Gross profit Rs m62,4635,100 1,224.8%  
Gross profit margin %17.26.4 269.2%  
Provisions/contingencies Rs m69,7591,369 5,095.2%   
Profit before tax Rs m99,32216,198 613.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m40-   
Tax Rs m24,8913,068 811.2%   
Profit after tax Rs m74,43513,130 566.9%  
Net profit margin %20.516.4 124.6%  
BALANCE SHEET DATA
Advances Rs m2,899,237768,194 377.4%   
Deposits Rs m3,361,2021,096,655 306.5%  
Credit/Deposit ratio x86.370.0 123.1%  
Yield on advances %10.37.2 144.2%   
Cost of deposits %4.74.3 108.4%   
Net Interest Margin %4.72.4 193.0%  
Net fixed assets Rs m19,43515,194 127.9%   
Share capital Rs m7,75967,778 11.4%   
Free reserves Rs m541,84483,307 650.4%   
Net worth Rs m549,603151,085 363.8%   
Borrowings Rs m490,11290,184 543.5%   
Investments Rs m830,757448,384 185.3%   
Total assets Rs m4,578,3661,364,545 335.5%  
Debt/equity ratio x7.07.9 89.2%   
Return on assets %1.61.0 169.0%  
Return on equity %13.58.7 155.8%  
Capital adequacy ratio %17.917.1 104.4%  
Net NPAs %0.61.8 32.1%  
CASH FLOW
From Operations Rs m-124,42314,284 -871.1%  
From Investments Rs m-5,602-882 635.4%  
From Financial Activity Rs m11,148-13,317 -83.7%  
Net Cashflow Rs m-118,07985 -138,966.1%  

Share Holding

Indian Promoters % 0.0 98.3 -  
Foreign collaborators % 16.5 0.0 -  
Indian inst/Mut Fund % 69.0 0.7 10,460.6%  
FIIs % 42.0 0.0 419,700.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 83.6 1.8 4,774.3%  
Shareholders   359,688 156,109 230.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDUSIND BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Indusind 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:

Indusind Bank vs Punjab & Sind Bank Share Price Performance

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

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of Indusind Bank hold a 16.5% 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 Indusind Bank and the shareholding pattern of Punjab & Sind Bank.

Finally, a word on dividends...

In the most recent financial year, Indusind Bank paid a dividend of Rs 14.0 per share. This amounted to a Dividend Payout ratio of 14.6%.

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 Indusind Bank, and the dividend history of Punjab & Sind Bank.

For a sector overview, read our banking sector report.



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