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PNB vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB HDFC BANK PNB/
HDFC BANK
 
P/E (TTM) x 19.6 18.3 107.3% View Chart
P/BV x 1.3 3.8 34.9% View Chart
Dividend Yield % 0.5 1.3 39.8%  

Financials

 PNB   HDFC BANK
EQUITY SHARE DATA
    PNB
Mar-23
HDFC BANK
Mar-23
PNB/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs621,722 3.6%   
Low Rs281,272 2.2%   
Income per share (Unadj.) Rs78.9306.0 25.8%  
Earnings per share (Unadj.) Rs3.082.4 3.7%  
Cash flow per share (Unadj.) Rs8.7150.0 5.8%  
Dividends per share (Unadj.) Rs0.6519.00 3.4%  
Avg Dividend yield %1.41.3 113.7%  
Book value per share (Unadj.) Rs93.4516.7 18.1%  
Shares outstanding (eoy) m11,011.025,579.74 197.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.64.9 11.7%   
Avg P/E ratio x14.818.2 81.6%  
Avg P/CF ratio x2.111.1 19.2%  
Avg Price/Bookvalue ratio x0.52.9 16.6%  
Dividend payout %21.423.0 92.7%   
Avg Mkt Cap Rs m496,0468,351,759 5.9%   
No. of employees `000NANA-   
Total wages & salary Rs m149,426200,169 74.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,4531,707,541 50.9%  
Other income Rs m122,396339,121 36.1%   
Interest expense Rs m518,170777,799 66.6%   
Net interest income Rs m350,283929,741 37.7%  
Operating expense Rs m243,357515,337 47.2%   
Gross profit Rs m106,926414,404 25.8%  
Gross profit margin %12.324.3 50.7%  
Provisions/contingencies Rs m198,629292,038 68.0%   
Profit before tax Rs m48,614614,984 7.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-103-1,516 6.8%   
Prior Period Items Rs m2,8940-   
Tax Rs m17,921153,497 11.7%   
Profit after tax Rs m33,485459,971 7.3%  
Net profit margin %3.926.9 14.3%  
BALANCE SHEET DATA
Advances Rs m8,374,59016,619,493 50.4%   
Deposits Rs m12,903,47118,826,633 68.5%  
Credit/Deposit ratio x64.988.3 73.5%  
Yield on advances %6.98.2 84.4%   
Cost of deposits %3.63.3 111.5%   
Net Interest Margin %2.84.3 65.3%  
Net fixed assets Rs m120,84084,756 142.6%   
Share capital Rs m22,0225,580 394.7%   
Free reserves Rs m1,006,7832,877,623 35.0%   
Net worth Rs m1,028,8052,883,203 35.7%   
Borrowings Rs m701,4862,565,487 27.3%   
Investments Rs m4,169,1385,115,817 81.5%   
Total assets Rs m14,936,49025,304,324 59.0%  
Debt/equity ratio x13.27.4 178.2%   
Return on assets %0.21.8 12.3%  
Return on equity %3.316.0 20.4%  
Capital adequacy ratio %15.519.3 80.5%  
Net NPAs %2.70.3 1,007.4%  
CASH FLOW
From Operations Rs m225,921208,137 108.5%  
From Investments Rs m-7,325-34,239 21.4%  
From Financial Activity Rs m12,750239,406 5.3%  
Net Cashflow Rs m231,346417,621 55.4%  

Share Holding

Indian Promoters % 73.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 83.0 20.3%  
FIIs % 3.1 52.3 5.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 100.0 26.9%  
Shareholders   2,163,625 3,018,247 71.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on PNB vs HDFC 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 HDFC Bank Share Price Performance

Period PNB HDFC Bank S&P BSE BANKEX
1-Day 1.30% 0.52% 0.82%
1-Month 3.02% 2.84% 2.48%
1-Year 176.83% -8.35% 19.28%
3-Year CAGR 50.95% -2.31% 12.00%
5-Year CAGR 5.45% 4.71% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of HDFC Bank the stake stands at 0.0%.

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 HDFC 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%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

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

For a sector overview, read our banking sector report.



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