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KARUR VYSYA BANK vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    KARUR VYSYA BANK PNB KARUR VYSYA BANK/
PNB
 
P/E (TTM) x 10.1 30.8 32.9% View Chart
P/BV x 1.2 0.7 179.8% View Chart
Dividend Yield % 1.4 1.1 129.9%  

Financials

 KARUR VYSYA BANK   PNB
EQUITY SHARE DATA
    KARUR VYSYA BANK
Mar-22
PNB
Mar-22
KARUR VYSYA BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs6148 127.9%   
Low Rs3832 121.9%   
Income per share (Unadj.) Rs69.869.2 100.9%  
Earnings per share (Unadj.) Rs8.43.5 240.0%  
Cash flow per share (Unadj.) Rs22.97.2 317.7%  
Dividends per share (Unadj.) Rs1.600.64 250.0%  
Avg Dividend yield %3.21.6 199.1%  
Book value per share (Unadj.) Rs94.988.6 107.1%  
Shares outstanding (eoy) m800.0111,011.02 7.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.70.6 124.5%   
Avg P/E ratio x5.911.3 52.3%  
Avg P/CF ratio x2.42.1 118.7%  
Avg Price/Bookvalue ratio x0.50.4 117.2%  
Dividend payout %19.018.3 104.2%   
Avg Mkt Cap Rs m39,721435,486 9.1%   
No. of employees `000NANA-   
Total wages & salary Rs m9,450119,719 7.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m55,877762,418 7.3%  
Other income Rs m7,691120,977 6.4%   
Interest expense Rs m28,723468,231 6.1%   
Net interest income Rs m27,154294,188 9.2%  
Operating expense Rs m18,542204,908 9.0%   
Gross profit Rs m8,61289,280 9.6%  
Gross profit margin %15.411.7 131.6%  
Provisions/contingencies Rs m9,569173,497 5.5%   
Profit before tax Rs m9,30945,945 20.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-469 0.0%   
Prior Period Items Rs m02,316 0.0%   
Tax Rs m2,5779,185 28.1%   
Profit after tax Rs m6,73338,607 17.4%  
Net profit margin %12.05.1 237.9%  
BALANCE SHEET DATA
Advances Rs m553,3467,337,658 7.5%   
Deposits Rs m686,76211,542,345 5.9%  
Credit/Deposit ratio x80.663.6 126.7%  
Yield on advances %8.26.7 122.8%   
Cost of deposits %4.03.8 107.8%   
Net Interest Margin %3.72.6 142.8%  
Net fixed assets Rs m4,636106,962 4.3%   
Share capital Rs m1,60022,022 7.3%   
Free reserves Rs m74,356953,797 7.8%   
Net worth Rs m75,956975,819 7.8%   
Borrowings Rs m13,391593,717 2.3%   
Investments Rs m172,1613,885,858 4.4%   
Total assets Rs m800,43713,393,011 6.0%  
Debt/equity ratio x9.212.4 74.1%   
Return on assets %0.80.3 291.8%  
Return on equity %8.94.0 224.0%  
Capital adequacy ratio %19.514.5 134.2%  
Net NPAs %2.34.8 47.5%  
CASH FLOW
From Operations Rs m2,955199,323 1.5%  
From Investments Rs m-15,938-11,044 144.3%  
From Financial Activity Rs m-95920,315 -4.7%  
Net Cashflow Rs m-13,942208,595 -6.7%  

Share Holding

Indian Promoters % 2.3 73.2 3.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 38.2 13.5 282.6%  
FIIs % 15.4 1.2 1,264.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 97.7 26.9 363.9%  
Shareholders   200,256 2,010,938 10.0%  
Pledged promoter(s) holding % 8.2 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARUR VYSYA BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Karur Vysya Bank vs PNB

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

Here's a brief comparison:

Karur Vysya Bank vs PNB Share Price Performance

Period Karur Vysya Bank PNB S&P BSE BANKEX
1-Day 9.95% 4.06% 1.05%
1-Month 11.38% 28.36% 3.66%
1-Year 127.56% 46.63% 17.16%
3-Year CAGR 22.20% -1.70% 11.61%
5-Year CAGR -0.26% -19.67% 11.63%

* Compound Annual Growth Rate

Here are more details on the Karur Vysya Bank share price and the PNB share price.

Moving on to shareholding structures...

The promoters of Karur Vysya Bank hold a 2.3% stake in the company. In case of PNB the stake stands at 73.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Karur Vysya Bank and the shareholding pattern of PNB.

Finally, a word on dividends...

In the most recent financial year, Karur Vysya Bank paid a dividend of Rs 1.6 per share. This amounted to a Dividend Payout ratio of 19.0%.

PNB paid Rs 0.6, and its dividend payout ratio stood at 18.3%.

You may visit here to review the dividend history of Karur Vysya Bank, and the dividend history of PNB.

For a sector overview, read our banking sector report.



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