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PNB vs INDUSIND BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB INDUSIND BANK PNB/
INDUSIND BANK
 
P/E (TTM) x 30.0 15.3 195.7% View Chart
P/BV x 0.6 1.9 32.7% View Chart
Dividend Yield % 1.1 0.7 160.9%  

Financials

 PNB   INDUSIND BANK
EQUITY SHARE DATA
    PNB
Mar-22
INDUSIND BANK
Mar-22
PNB/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs481,242 3.8%   
Low Rs32811 3.9%   
Income per share (Unadj.) Rs69.2397.9 17.4%  
Earnings per share (Unadj.) Rs3.562.0 5.7%  
Cash flow per share (Unadj.) Rs7.296.2 7.5%  
Dividends per share (Unadj.) Rs0.648.50 7.5%  
Avg Dividend yield %1.60.8 195.4%  
Book value per share (Unadj.) Rs88.6619.8 14.3%  
Shares outstanding (eoy) m11,011.02774.66 1,421.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.62.6 22.1%   
Avg P/E ratio x11.316.5 68.2%  
Avg P/CF ratio x2.16.1 33.8%  
Avg Price/Bookvalue ratio x0.41.7 26.9%  
Dividend payout %18.313.7 133.2%   
Avg Mkt Cap Rs m435,486795,172 54.8%   
No. of employees `000NANA-   
Total wages & salary Rs m119,71934,735 344.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m762,418308,224 247.4%  
Other income Rs m120,97774,076 163.3%   
Interest expense Rs m468,231158,216 295.9%   
Net interest income Rs m294,188150,008 196.1%  
Operating expense Rs m204,90893,107 220.1%   
Gross profit Rs m89,28056,901 156.9%  
Gross profit margin %11.718.5 63.4%  
Provisions/contingencies Rs m173,49782,931 209.2%   
Profit before tax Rs m45,94564,328 71.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-4690-   
Prior Period Items Rs m2,3164 58,198.5%   
Tax Rs m9,18516,282 56.4%   
Profit after tax Rs m38,60748,050 80.3%  
Net profit margin %5.115.6 32.5%  
BALANCE SHEET DATA
Advances Rs m7,337,6582,390,515 306.9%   
Deposits Rs m11,542,3452,933,495 393.5%  
Credit/Deposit ratio x63.681.5 78.0%  
Yield on advances %6.710.5 63.3%   
Cost of deposits %3.84.2 88.7%   
Net Interest Margin %2.64.8 54.2%  
Net fixed assets Rs m106,96218,342 583.1%   
Share capital Rs m22,0227,747 284.3%   
Free reserves Rs m953,797472,357 201.9%   
Net worth Rs m975,819480,103 203.3%   
Borrowings Rs m593,717473,232 125.5%   
Investments Rs m3,885,858709,299 547.8%   
Total assets Rs m13,393,0114,019,674 333.2%  
Debt/equity ratio x12.47.1 175.3%   
Return on assets %0.31.2 24.1%  
Return on equity %4.010.0 39.5%  
Capital adequacy ratio %14.518.4 78.7%  
Net NPAs %4.80.6 750.0%  
CASH FLOW
From Operations Rs m199,323166,722 119.6%  
From Investments Rs m-11,044-4,062 271.9%  
From Financial Activity Rs m20,315-43,022 -47.2%  
Net Cashflow Rs m208,595119,748 174.2%  

Share Holding

Indian Promoters % 73.2 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 13.5 63.9 21.2%  
FIIs % 1.2 43.1 2.8%  
ADR/GDR % 0.0 8.2 -  
Free float % 26.9 76.7 35.0%  
Shareholders   2,010,938 358,251 561.3%  
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    BANK OF BARODA    SBI    


More on PNB vs Indusind 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 Indusind Bank Share Price Performance

Period PNB Indusind Bank S&P BSE BANKEX
1-Day -2.51% 0.88% 0.09%
1-Month 25.14% 4.58% 3.76%
1-Year 42.41% 27.03% 17.89%
3-Year CAGR -2.53% -6.06% 11.65%
5-Year CAGR -20.11% -6.39% 11.57%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of Indusind Bank the stake stands at 15.2%.

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 Indusind 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%.

Indusind Bank paid Rs 8.5, and its dividend payout ratio stood at 13.7%.

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

For a sector overview, read our banking sector report.



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