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PNB vs INDIAN BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB INDIAN BANK PNB/
INDIAN BANK
 
P/E (TTM) x 19.6 9.6 205.4% View Chart
P/BV x 1.3 1.4 94.0% View Chart
Dividend Yield % 0.5 1.7 31.6%  

Financials

 PNB   INDIAN BANK
EQUITY SHARE DATA
    PNB
Mar-23
INDIAN BANK
Mar-23
PNB/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs62310 20.0%   
Low Rs28137 20.4%   
Income per share (Unadj.) Rs78.9361.2 21.8%  
Earnings per share (Unadj.) Rs3.044.7 6.8%  
Cash flow per share (Unadj.) Rs8.771.6 12.2%  
Dividends per share (Unadj.) Rs0.658.60 7.6%  
Avg Dividend yield %1.43.8 37.5%  
Book value per share (Unadj.) Rs93.4397.5 23.5%  
Shares outstanding (eoy) m11,011.021,245.44 884.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.60.6 92.3%   
Avg P/E ratio x14.85.0 296.4%  
Avg P/CF ratio x2.11.8 119.6%  
Avg Price/Bookvalue ratio x0.50.6 85.7%  
Dividend payout %21.419.2 111.2%   
Avg Mkt Cap Rs m496,046278,481 178.1%   
No. of employees `000NANA-   
Total wages & salary Rs m149,42675,789 197.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,453449,852 193.1%  
Other income Rs m122,39678,045 156.8%   
Interest expense Rs m518,170247,173 209.6%   
Net interest income Rs m350,283202,679 172.8%  
Operating expense Rs m243,357127,248 191.2%   
Gross profit Rs m106,92675,431 141.8%  
Gross profit margin %12.316.8 73.4%  
Provisions/contingencies Rs m198,629100,171 198.3%   
Profit before tax Rs m48,61459,632 81.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-103-12 853.7%   
Prior Period Items Rs m2,8942,430 119.1%   
Tax Rs m17,9216,327 283.2%   
Profit after tax Rs m33,48555,723 60.1%  
Net profit margin %3.912.4 31.1%  
BALANCE SHEET DATA
Advances Rs m8,374,5904,492,940 186.4%   
Deposits Rs m12,903,4716,211,232 207.7%  
Credit/Deposit ratio x64.972.3 89.7%  
Yield on advances %6.97.1 97.0%   
Cost of deposits %3.63.7 97.6%   
Net Interest Margin %2.83.2 87.9%  
Net fixed assets Rs m120,84074,704 161.8%   
Share capital Rs m22,02212,454 176.8%   
Free reserves Rs m1,006,783482,614 208.6%   
Net worth Rs m1,028,805495,068 207.8%   
Borrowings Rs m701,486220,924 317.5%   
Investments Rs m4,169,1381,883,663 221.3%   
Total assets Rs m14,936,4907,133,340 209.4%  
Debt/equity ratio x13.213.0 101.8%   
Return on assets %0.20.8 28.7%  
Return on equity %3.311.3 28.9%  
Capital adequacy ratio %15.516.5 94.0%  
Net NPAs %2.70.9 302.2%  
CASH FLOW
From Operations Rs m225,921-278,940 -81.0%  
From Investments Rs m-7,325-3,140 233.3%  
From Financial Activity Rs m12,750-15,434 -82.6%  
Net Cashflow Rs m231,346-297,514 -77.8%  

Share Holding

Indian Promoters % 73.2 73.8 99.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 21.7 77.5%  
FIIs % 3.1 5.9 52.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 26.2 102.6%  
Shareholders   2,163,625 312,770 691.8%  
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    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on PNB vs Indian 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 Indian Bank Share Price Performance

Period PNB Indian Bank S&P BSE BANKEX
1-Day 1.30% 4.08% 0.82%
1-Month 3.02% -1.69% 2.48%
1-Year 176.83% 86.05% 19.28%
3-Year CAGR 50.95% 65.31% 12.00%
5-Year CAGR 5.45% 13.50% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of Indian Bank the stake stands at 73.8%.

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 Indian 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%.

Indian Bank paid Rs 8.6, and its dividend payout ratio stood at 19.2%.

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

For a sector overview, read our banking sector report.



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