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PNB vs SBI - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB SBI PNB/
SBI
 
P/E (TTM) x 19.6 10.4 189.4% View Chart
P/BV x 1.3 1.9 71.1% View Chart
Dividend Yield % 0.5 1.5 34.8%  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-23
SBI
Mar-23
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs62630 9.9%   
Low Rs28431 6.5%   
Income per share (Unadj.) Rs78.9393.1 20.1%  
Earnings per share (Unadj.) Rs3.062.4 4.9%  
Cash flow per share (Unadj.) Rs8.7254.7 3.4%  
Dividends per share (Unadj.) Rs0.6511.30 5.8%  
Avg Dividend yield %1.42.1 67.7%  
Book value per share (Unadj.) Rs93.4402.2 23.2%  
Shares outstanding (eoy) m11,011.028,924.61 123.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.61.3 42.3%   
Avg P/E ratio x14.88.5 174.2%  
Avg P/CF ratio x2.15.1 41.9%  
Avg Price/Bookvalue ratio x0.51.3 36.6%  
Dividend payout %21.418.1 117.9%   
Avg Mkt Cap Rs m496,0464,732,052 10.5%   
No. of employees `000NANA-   
Total wages & salary Rs m149,426619,209 24.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,4533,508,446 24.8%  
Other income Rs m122,3961,225,336 10.0%   
Interest expense Rs m518,1701,899,808 27.3%   
Net interest income Rs m350,2831,608,638 21.8%  
Operating expense Rs m243,3571,898,145 12.8%   
Gross profit Rs m106,926-289,507 -36.9%  
Gross profit margin %12.3-8.3 -149.2%  
Provisions/contingencies Rs m198,629370,244 53.6%   
Profit before tax Rs m48,614753,983 6.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-103-21,017 0.5%   
Prior Period Items Rs m2,89411,915 24.3%   
Tax Rs m17,921188,399 9.5%   
Profit after tax Rs m33,485556,482 6.0%  
Net profit margin %3.915.9 24.3%  
BALANCE SHEET DATA
Advances Rs m8,374,59032,679,021 25.6%   
Deposits Rs m12,903,47144,685,355 28.9%  
Credit/Deposit ratio x64.973.1 88.7%  
Yield on advances %6.97.0 98.5%   
Cost of deposits %3.63.7 99.6%   
Net Interest Margin %2.83.1 89.9%  
Net fixed assets Rs m120,840440,238 27.4%   
Share capital Rs m22,0228,925 246.8%   
Free reserves Rs m1,006,7833,580,389 28.1%   
Net worth Rs m1,028,8053,589,313 28.7%   
Borrowings Rs m701,4865,211,520 13.5%   
Investments Rs m4,169,13819,131,079 21.8%   
Total assets Rs m14,936,49059,544,183 25.1%  
Debt/equity ratio x13.213.9 95.1%   
Return on assets %0.20.9 24.0%  
Return on equity %3.315.5 21.0%  
Capital adequacy ratio %15.514.7 105.6%  
Net NPAs %2.70.7 406.0%  
CASH FLOW
From Operations Rs m225,921-860,137 -26.3%  
From Investments Rs m-7,325-40,410 18.1%  
From Financial Activity Rs m12,75063,864 20.0%  
Net Cashflow Rs m231,346-805,932 -28.7%  

Share Holding

Indian Promoters % 73.2 57.5 127.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 35.1 48.0%  
FIIs % 3.1 10.9 28.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 42.5 63.2%  
Shareholders   2,163,625 3,047,685 71.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PNB With:   HDFC BANK    ICICI BANK    AXIS BANK    KOTAK MAHINDRA BANK    BANK OF BARODA    


More on PNB vs SBI

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

Here's a brief comparison:

PNB vs SBI Share Price Performance

Period PNB SBI S&P BSE BANKEX
1-Day 1.30% 2.53% 0.82%
1-Month 3.02% 1.38% 2.48%
1-Year 176.83% 48.12% 19.28%
3-Year CAGR 50.95% 27.74% 12.00%
5-Year CAGR 5.45% 18.77% 9.40%

* Compound Annual Growth Rate

Here are more details on the PNB share price and the SBI share price.

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of SBI the stake stands at 57.5%.

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 SBI.

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%.

SBI paid Rs 11.3, and its dividend payout ratio stood at 18.1%.

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

For a sector overview, read our banking sector report.



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