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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 13.9 13.0 106.4% View Chart
P/BV x 0.4 1.6 26.6% View Chart
Dividend Yield % 1.8 1.3 131.0%  

Financials

 PNB   SBI
EQUITY SHARE DATA
    PNB
Mar-22
SBI
Mar-22
PNB/
SBI
5-Yr Chart
Click to enlarge
High Rs48549 8.7%   
Low Rs32321 9.8%   
Income per share (Unadj.) Rs69.2324.9 21.3%  
Earnings per share (Unadj.) Rs3.539.6 8.8%  
Cash flow per share (Unadj.) Rs7.2205.1 3.5%  
Dividends per share (Unadj.) Rs0.647.10 9.0%  
Avg Dividend yield %1.61.6 99.2%  
Book value per share (Unadj.) Rs88.6342.4 25.9%  
Shares outstanding (eoy) m11,011.028,924.61 123.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.61.3 42.7%   
Avg P/E ratio x11.311.0 102.8%  
Avg P/CF ratio x2.15.1 39.9%  
Avg Price/Bookvalue ratio x0.41.3 35.1%  
Dividend payout %18.317.9 101.9%   
Avg Mkt Cap Rs m435,4863,883,098 11.2%   
No. of employees `000NANA-   
Total wages & salary Rs m119,719614,451 19.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m762,4182,899,727 26.3%  
Other income Rs m120,9771,170,004 10.3%   
Interest expense Rs m468,2311,561,943 30.0%   
Net interest income Rs m294,1881,337,783 22.0%  
Operating expense Rs m204,9081,743,634 11.8%   
Gross profit Rs m89,280-405,851 -22.0%  
Gross profit margin %11.7-14.0 -83.7%  
Provisions/contingencies Rs m173,497400,591 43.3%   
Profit before tax Rs m45,945497,356 9.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-469-18,093 2.6%   
Prior Period Items Rs m2,3168,270 28.0%   
Tax Rs m9,185133,794 6.9%   
Profit after tax Rs m38,607353,739 10.9%  
Net profit margin %5.112.2 41.5%  
BALANCE SHEET DATA
Advances Rs m7,337,65827,940,760 26.3%   
Deposits Rs m11,542,34540,874,106 28.2%  
Credit/Deposit ratio x63.668.4 93.0%  
Yield on advances %6.76.4 104.9%   
Cost of deposits %3.83.5 108.3%   
Net Interest Margin %2.62.9 89.6%  
Net fixed assets Rs m106,962392,295 27.3%   
Share capital Rs m22,0228,925 246.8%   
Free reserves Rs m953,7973,046,956 31.3%   
Net worth Rs m975,8193,055,880 31.9%   
Borrowings Rs m593,7174,491,598 13.2%   
Investments Rs m3,885,85817,764,899 21.9%   
Total assets Rs m13,393,01153,608,835 25.0%  
Debt/equity ratio x12.414.8 83.8%   
Return on assets %0.30.7 43.7%  
Return on equity %4.011.6 34.2%  
Capital adequacy ratio %14.513.9 104.7%  
Net NPAs %4.81.0 470.6%  
CASH FLOW
From Operations Rs m199,323576,948 34.5%  
From Investments Rs m-11,044-36,185 30.5%  
From Financial Activity Rs m20,315-38,445 -52.8%  
Net Cashflow Rs m208,595511,981 40.7%  

Share Holding

Indian Promoters % 73.2 57.6 127.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.4 34.9 35.7%  
FIIs % 1.0 9.6 10.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 42.4 63.3%  
Shareholders   2,040,141 3,052,751 66.8%  
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    ICICI BANK    KOTAK MAHINDRA BANK    INDUSIND BANK    


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 5.03% 1.74% 2.63%
1-Month 1.95% -0.02% -2.46%
1-Year -8.74% 17.22% 3.40%
3-Year CAGR -16.11% 25.15% 10.34%
5-Year CAGR -22.38% 16.14% 10.28%

* 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 57.6%.

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

SBI paid Rs 7.1, and its dividend payout ratio stood at 17.9%.

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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