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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 14.5 20.2 71.6% View Chart
P/BV x 0.4 3.3 13.2% View Chart
Dividend Yield % 1.7 1.1 156.6%  

Financials

 PNB   HDFC BANK
EQUITY SHARE DATA
    PNB
Mar-22
HDFC BANK
Mar-22
PNB/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs481,724 2.8%   
Low Rs321,292 2.4%   
Income per share (Unadj.) Rs69.2245.1 28.2%  
Earnings per share (Unadj.) Rs3.568.6 5.1%  
Cash flow per share (Unadj.) Rs7.2109.0 6.6%  
Dividends per share (Unadj.) Rs0.6415.50 4.1%  
Avg Dividend yield %1.61.0 157.5%  
Book value per share (Unadj.) Rs88.6445.4 19.9%  
Shares outstanding (eoy) m11,011.025,545.54 198.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.66.2 9.3%   
Avg P/E ratio x11.322.0 51.3%  
Avg P/CF ratio x2.112.2 16.9%  
Avg Price/Bookvalue ratio x0.43.4 13.2%  
Dividend payout %18.322.6 80.8%   
Avg Mkt Cap Rs m435,4868,363,508 5.2%   
No. of employees `000NANA-   
Total wages & salary Rs m119,719158,970 75.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m762,4181,359,364 56.1%  
Other income Rs m120,977317,590 38.1%   
Interest expense Rs m468,231585,843 79.9%   
Net interest income Rs m294,188773,521 38.0%  
Operating expense Rs m204,908403,124 50.8%   
Gross profit Rs m89,280370,397 24.1%  
Gross profit margin %11.727.2 43.0%  
Provisions/contingencies Rs m173,497306,477 56.6%   
Profit before tax Rs m45,945508,734 9.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-469-982 47.7%   
Prior Period Items Rs m2,3160-   
Tax Rs m9,185127,225 7.2%   
Profit after tax Rs m38,607380,528 10.1%  
Net profit margin %5.128.0 18.1%  
BALANCE SHEET DATA
Advances Rs m7,337,65814,209,423 51.6%   
Deposits Rs m11,542,34515,580,030 74.1%  
Credit/Deposit ratio x63.691.2 69.7%  
Yield on advances %6.77.5 89.0%   
Cost of deposits %3.83.1 119.7%   
Net Interest Margin %2.64.1 63.4%  
Net fixed assets Rs m106,96264,763 165.2%   
Share capital Rs m22,0225,546 397.1%   
Free reserves Rs m953,7972,464,311 38.7%   
Net worth Rs m975,8192,469,857 39.5%   
Borrowings Rs m593,7172,269,665 26.2%   
Investments Rs m3,885,8584,492,639 86.5%   
Total assets Rs m13,393,01121,229,343 63.1%  
Debt/equity ratio x12.47.2 172.1%   
Return on assets %0.31.8 16.1%  
Return on equity %4.015.4 25.7%  
Capital adequacy ratio %14.518.9 76.7%  
Net NPAs %4.80.3 1,500.0%  
CASH FLOW
From Operations Rs m199,323-119,596 -166.7%  
From Investments Rs m-11,044-22,163 49.8%  
From Financial Activity Rs m20,315481,240 4.2%  
Net Cashflow Rs m208,595341,132 61.1%  

Share Holding

Indian Promoters % 73.2 25.7 284.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.4 59.6 20.9%  
FIIs % 1.0 32.3 3.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 74.3 36.2%  
Shareholders   2,040,141 2,660,577 76.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   ICICI BANK    AXIS BANK    BANK OF BARODA    SBI    KOTAK MAHINDRA 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 -5.69% -2.64% -2.50%
1-Month 15.61% -1.32% 2.03%
1-Year -0.91% -7.88% 4.64%
3-Year CAGR -16.99% 4.75% 9.51%
5-Year CAGR -22.64% -4.27% 10.74%

* 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 25.7%.

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 0.6 per share. This amounted to a Dividend Payout ratio of 18.3%.

HDFC Bank paid Rs 15.5, and its dividend payout ratio stood at 22.6%.

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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