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PNB vs YES BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PNB YES BANK PNB/
YES BANK
 
P/E (TTM) x 19.7 65.1 30.2% View Chart
P/BV x 1.3 1.7 79.4% View Chart
Dividend Yield % 0.5 0.0 -  

Financials

 PNB   YES BANK
EQUITY SHARE DATA
    PNB
Mar-23
YES BANK
Mar-23
PNB/
YES BANK
5-Yr Chart
Click to enlarge
High Rs6225 250.7%   
Low Rs2812 229.4%   
Income per share (Unadj.) Rs78.97.9 999.0%  
Earnings per share (Unadj.) Rs3.00.3 1,188.4%  
Cash flow per share (Unadj.) Rs8.72.6 342.0%  
Dividends per share (Unadj.) Rs0.650-  
Avg Dividend yield %1.40-  
Book value per share (Unadj.) Rs93.413.8 676.1%  
Shares outstanding (eoy) m11,011.0228,754.78 38.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.62.3 24.4%   
Avg P/E ratio x14.872.3 20.5%  
Avg P/CF ratio x2.116.6 12.9%  
Avg Price/Bookvalue ratio x0.51.3 36.0%  
Dividend payout %21.40-   
Avg Mkt Cap Rs m496,046531,676 93.3%   
No. of employees `000NANA-   
Total wages & salary Rs m149,42634,751 430.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m868,453227,022 382.5%  
Other income Rs m122,39641,246 296.7%   
Interest expense Rs m518,170147,998 350.1%   
Net interest income Rs m350,28379,024 443.3%  
Operating expense Rs m243,35788,255 275.7%   
Gross profit Rs m106,926-9,231 -1,158.3%  
Gross profit margin %12.3-4.1 -302.8%  
Provisions/contingencies Rs m198,62924,657 805.6%   
Profit before tax Rs m48,6149,813 495.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-1030-   
Prior Period Items Rs m2,8940-   
Tax Rs m17,9212,455 729.9%   
Profit after tax Rs m33,4857,358 455.1%  
Net profit margin %3.93.2 119.0%  
BALANCE SHEET DATA
Advances Rs m8,374,5902,032,365 412.1%   
Deposits Rs m12,903,4712,173,822 593.6%  
Credit/Deposit ratio x64.993.5 69.4%  
Yield on advances %6.98.8 78.6%   
Cost of deposits %3.64.6 78.4%   
Net Interest Margin %2.82.8 98.9%  
Net fixed assets Rs m120,84021,557 560.6%   
Share capital Rs m22,02257,510 38.3%   
Free reserves Rs m1,006,783339,886 296.2%   
Net worth Rs m1,028,805397,396 258.9%   
Borrowings Rs m701,486777,540 90.2%   
Investments Rs m4,169,138767,493 543.2%   
Total assets Rs m14,936,4903,552,041 420.5%  
Debt/equity ratio x13.27.4 178.1%   
Return on assets %0.20.2 108.2%  
Return on equity %3.31.9 175.8%  
Capital adequacy ratio %15.517.9 86.6%  
Net NPAs %2.70.8 327.7%  
CASH FLOW
From Operations Rs m225,921-258,163 -87.5%  
From Investments Rs m-7,325-129,040 5.7%  
From Financial Activity Rs m12,750114,504 11.1%  
Net Cashflow Rs m231,346-273,922 -84.5%  

Share Holding

Indian Promoters % 73.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.8 65.8 25.6%  
FIIs % 3.1 23.8 13.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.9 100.0 26.9%  
Shareholders   2,163,625 4,994,636 43.3%  
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    SBI    ICICI BANK    KOTAK MAHINDRA BANK    


More on PNB vs Yes 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 Yes Bank Share Price Performance

Period PNB Yes Bank S&P BSE BANKEX
1-Day 1.38% 0.13% 0.82%
1-Month 3.11% -2.85% 2.48%
1-Year 177.05% 56.80% 19.28%
3-Year CAGR 50.99% 12.19% 12.00%
5-Year CAGR 5.47% -39.04% 9.40%

* Compound Annual Growth Rate

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

Moving on to shareholding structures...

The promoters of PNB hold a 73.2% stake in the company. In case of Yes Bank the stake stands at 0.0%.

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 Yes 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%.

Yes Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

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

For a sector overview, read our banking sector report.



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