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PNB vs FINO PAYMENTS BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB FINO PAYMENTS BANK PNB/
FINO PAYMENTS BANK
 
P/E (TTM) x 19.6 28.2 69.8% View Chart
P/BV x 1.3 4.3 30.8% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 PNB   FINO PAYMENTS BANK
EQUITY SHARE DATA
    PNB
Mar-23
FINO PAYMENTS BANK
Mar-23
PNB/
FINO PAYMENTS BANK
5-Yr Chart
Click to enlarge
High Rs62326 19.0%   
Low Rs28183 15.4%   
Income per share (Unadj.) Rs78.911.4 691.8%  
Earnings per share (Unadj.) Rs3.07.8 38.9%  
Cash flow per share (Unadj.) Rs8.7142.1 6.1%  
Dividends per share (Unadj.) Rs0.650-  
Avg Dividend yield %1.40-  
Book value per share (Unadj.) Rs93.465.1 143.5%  
Shares outstanding (eoy) m11,011.0283.21 13,232.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.622.3 2.6%   
Avg P/E ratio x14.832.5 45.6%  
Avg P/CF ratio x2.132.5 6.6%  
Avg Price/Bookvalue ratio x0.53.9 12.3%  
Dividend payout %21.40-   
Avg Mkt Cap Rs m496,04621,159 2,344.3%   
No. of employees `000NANA-   
Total wages & salary Rs m149,4261,556 9,602.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,453949 91,546.2%  
Other income Rs m122,39611,350 1,078.3%   
Interest expense Rs m518,170474 109,390.1%   
Net interest income Rs m350,283475 73,750.0%  
Operating expense Rs m243,35711,175 2,177.8%   
Gross profit Rs m106,926-10,700 -999.3%  
Gross profit margin %12.3-1,127.9 -1.1%  
Provisions/contingencies Rs m198,6290-   
Profit before tax Rs m48,614651 7,469.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1030-   
Prior Period Items Rs m2,8940-   
Tax Rs m17,9210-   
Profit after tax Rs m33,485651 5,144.6%  
Net profit margin %3.968.6 5.6%  
BALANCE SHEET DATA
Advances Rs m8,374,5901 715,776,906.0%   
Deposits Rs m12,903,4719,171 140,691.4%  
Credit/Deposit ratio x64.90 509,627.8%  
Yield on advances %6.910.6 65.1%   
Cost of deposits %3.62.0 183.4%   
Net Interest Margin %2.84.1 67.4%  
Net fixed assets Rs m120,8401,394 8,666.6%   
Share capital Rs m22,022832 2,646.4%   
Free reserves Rs m1,006,7834,585 21,957.3%   
Net worth Rs m1,028,8055,417 18,991.0%   
Borrowings Rs m701,4864,341 16,160.9%   
Investments Rs m4,169,13811,464 36,366.1%   
Total assets Rs m14,936,49024,664 60,559.8%  
Debt/equity ratio x13.22.5 530.2%   
Return on assets %0.22.6 8.5%  
Return on equity %3.312.0 27.1%  
Capital adequacy ratio %15.586.1 18.0%  
Net NPAs %2.70-  
CASH FLOW
From Operations Rs m225,921-201 -112,387.3%  
From Investments Rs m-7,325-965 758.8%  
From Financial Activity Rs m12,7501,844 691.4%  
Net Cashflow Rs m231,346678 34,133.9%  

Share Holding

Indian Promoters % 73.2 75.0 97.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 10.7 157.8%  
FIIs % 3.1 5.1 60.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 25.0 107.4%  
Shareholders   2,163,625 68,891 3,140.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on PNB vs FINO PAYMENTS BANK

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

Here's a brief comparison:

PNB vs FINO PAYMENTS BANK Share Price Performance

Period PNB FINO PAYMENTS BANK S&P BSE BANKEX
1-Day 1.30% 2.22% 0.82%
1-Month 3.02% -6.47% 2.48%
1-Year 176.83% 38.21% 19.28%
3-Year CAGR 50.95% -19.80% 12.00%
5-Year CAGR 5.45% -12.40% 9.40%

* Compound Annual Growth Rate

Here are more details on the PNB share price and the FINO PAYMENTS BANK share price.

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of FINO PAYMENTS BANK the stake stands at 75.0%.

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 FINO PAYMENTS BANK.

Finally, a word on dividends...

In the most recent financial year, PNB paid a dividend of Rs 0.7 per share. This amounted to a Dividend Payout ratio of 21.4%.

FINO PAYMENTS BANK paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of PNB, and the dividend history of FINO PAYMENTS BANK.

For a sector overview, read our banking sector report.



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