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PNB vs BANK OF BARODA - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB BANK OF BARODA PNB/
BANK OF BARODA
 
P/E (TTM) x 13.9 7.9 175.7% View Chart
P/BV x 0.4 0.7 55.3% View Chart
Dividend Yield % 1.8 2.2 81.3%  

Financials

 PNB   BANK OF BARODA
EQUITY SHARE DATA
    PNB
Mar-22
BANK OF BARODA
Mar-22
PNB/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs48119 40.1%   
Low Rs3262 51.0%   
Income per share (Unadj.) Rs69.2141.9 48.8%  
Earnings per share (Unadj.) Rs3.515.2 23.1%  
Cash flow per share (Unadj.) Rs7.235.9 20.0%  
Dividends per share (Unadj.) Rs0.642.85 22.5%  
Avg Dividend yield %1.63.2 51.3%  
Book value per share (Unadj.) Rs88.6177.6 49.9%  
Shares outstanding (eoy) m11,011.025,171.36 212.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.60.6 89.7%   
Avg P/E ratio x11.36.0 189.6%  
Avg P/CF ratio x2.11.9 106.7%  
Avg Price/Bookvalue ratio x0.40.5 87.8%  
Dividend payout %18.318.8 97.2%   
Avg Mkt Cap Rs m435,486467,103 93.2%   
No. of employees `000NANA-   
Total wages & salary Rs m119,719126,438 94.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m762,418733,855 103.9%  
Other income Rs m120,977143,947 84.0%   
Interest expense Rs m468,231388,155 120.6%   
Net interest income Rs m294,188345,700 85.1%  
Operating expense Rs m204,908248,388 82.5%   
Gross profit Rs m89,28097,312 91.7%  
Gross profit margin %11.713.3 88.3%  
Provisions/contingencies Rs m173,497164,257 105.6%   
Profit before tax Rs m45,945100,083 45.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-469-833 56.2%   
Prior Period Items Rs m2,3162,328 99.5%   
Tax Rs m9,18523,081 39.8%   
Profit after tax Rs m38,60778,497 49.2%  
Net profit margin %5.110.7 47.3%  
BALANCE SHEET DATA
Advances Rs m7,337,6587,972,809 92.0%   
Deposits Rs m11,542,34510,758,044 107.3%  
Credit/Deposit ratio x63.674.1 85.8%  
Yield on advances %6.76.4 104.6%   
Cost of deposits %3.83.2 117.4%   
Net Interest Margin %2.63.0 86.8%  
Net fixed assets Rs m106,962100,567 106.4%   
Share capital Rs m22,02210,355 212.7%   
Free reserves Rs m953,797908,326 105.0%   
Net worth Rs m975,819918,681 106.2%   
Borrowings Rs m593,7171,095,261 54.2%   
Investments Rs m3,885,8583,475,871 111.8%   
Total assets Rs m13,393,01113,401,371 99.9%  
Debt/equity ratio x12.412.9 96.4%   
Return on assets %0.30.6 49.2%  
Return on equity %4.08.5 46.3%  
Capital adequacy ratio %14.515.8 91.5%  
Net NPAs %4.81.7 279.1%  
CASH FLOW
From Operations Rs m199,32365,319 305.2%  
From Investments Rs m-11,044-36,451 30.3%  
From Financial Activity Rs m20,315-13,194 -154.0%  
Net Cashflow Rs m208,59515,675 1,330.8%  

Share Holding

Indian Promoters % 73.2 64.0 114.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.4 25.1 49.6%  
FIIs % 1.0 8.2 12.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 36.0 74.5%  
Shareholders   2,040,141 1,281,415 159.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on PNB vs Bank of Baroda

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

Here's a brief comparison:

PNB vs Bank of Baroda Share Price Performance

Period PNB Bank of Baroda S&P BSE BANKEX
1-Day 5.03% 3.88% 2.63%
1-Month 1.95% 1.18% -2.46%
1-Year -8.74% 61.96% 3.40%
3-Year CAGR -16.11% 12.48% 10.34%
5-Year CAGR -22.38% -0.71% 10.28%

* Compound Annual Growth Rate

Here are more details on the PNB share price and the Bank of Baroda share price.

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of Bank of Baroda the stake stands at 64.0%.

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

Finally, a word on dividends...

In the most recent financial year, PNB paid a dividend of Rs 0.6 per share. This amounted to a Dividend Payout ratio of 18.3%.

Bank of Baroda paid Rs 2.9, and its dividend payout ratio stood at 18.8%.

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

For a sector overview, read our banking sector report.



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