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- PUNJAB & SIND BANK - AU SMALL FINANCE BANK
PUNJAB & SIND BANK vs AU SMALL FINANCE BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | AU SMALL FINANCE BANK | PUNJAB & SIND BANK/ AU SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.3 | 29.5 | 157.0% | View Chart |
| P/BV | x | 2.8 | 4.1 | 67.6% | View Chart |
| Dividend Yield | % | 0.8 | 0.2 | 469.0% |
Financials
 PUNJAB & SIND BANK  AU SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
AU SMALL FINANCE BANK Mar-23 |
PUNJAB & SIND BANK/ AU SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 733 | 6.1% | |
| Low | Rs | 13 | 539 | 2.3% | |
| Income per share (Unadj.) | Rs | 11.8 | 123.1 | 9.6% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 21.4 | 9.0% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 70.7 | 8.2% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.00 | 48.0% | |
| Avg Dividend yield | % | 1.7 | 0.2 | 1,068.1% | |
| Book value per share (Unadj.) | Rs | 22.3 | 164.0 | 13.6% | |
| Shares outstanding (eoy) | m | 6,777.79 | 666.75 | 1,016.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 5.2 | 46.9% | |
| Avg P/E ratio | x | 14.8 | 29.7 | 49.7% | |
| Avg P/CF ratio | x | 13.4 | 21.0 | 63.6% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 3.9 | 33.1% | |
| Dividend payout | % | 24.8 | 4.7 | 530.6% | |
| Avg Mkt Cap | Rs m | 193,675 | 423,950 | 45.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 17,930 | 86.1% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 82,054 | 97.4% | |
| Other income | Rs m | 9,400 | 10,345 | 90.9% | |
| Interest expense | Rs m | 50,194 | 37,801 | 132.8% | |
| Net interest income | Rs m | 29,734 | 44,253 | 67.2% | |
| Operating expense | Rs m | 24,634 | 34,403 | 71.6% | |
| Gross profit | Rs m | 5,100 | 9,850 | 51.8% | |
| Gross profit margin | % | 6.4 | 12.0 | 53.2% | |
| Provisions/contingencies | Rs m | 1,369 | 5,916 | 23.1% | |
| Profit before tax | Rs m | 16,198 | 18,646 | 86.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,068 | 4,367 | 70.3% | |
| Profit after tax | Rs m | 13,130 | 14,279 | 92.0% | |
| Net profit margin | % | 16.4 | 17.4 | 94.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 584,215 | 131.5% | |
| Deposits | Rs m | 1,096,655 | 693,650 | 158.1% | |
| Credit/Deposit ratio | x | 70.0 | 84.2 | 83.2% | |
| Yield on advances | % | 7.2 | 11.7 | 61.1% | |
| Cost of deposits | % | 4.3 | 4.8 | 89.4% | |
| Net Interest Margin | % | 2.4 | 5.6 | 43.4% | |
| Net fixed assets | Rs m | 15,194 | 7,073 | 214.8% | |
| Share capital | Rs m | 67,778 | 6,667 | 1,016.5% | |
| Free reserves | Rs m | 83,307 | 102,666 | 81.1% | |
| Net worth | Rs m | 151,085 | 109,333 | 138.2% | |
| Borrowings | Rs m | 90,184 | 62,987 | 143.2% | |
| Investments | Rs m | 448,384 | 200,720 | 223.4% | |
| Total assets | Rs m | 1,364,545 | 902,161 | 151.3% | |
| Debt/equity ratio | x | 7.9 | 6.9 | 113.5% | |
| Return on assets | % | 1.0 | 1.6 | 60.8% | |
| Return on equity | % | 8.7 | 13.1 | 66.5% | |
| Capital adequacy ratio | % | 17.1 | 23.6 | 72.5% | |
| Net NPAs | % | 1.8 | 0.4 | 438.1% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 54,936 | 26.0% | |
| From Investments | Rs m | -882 | -43,195 | 2.0% | |
| From Financial Activity | Rs m | -13,317 | 23,225 | -57.3% | |
| Net Cashflow | Rs m | 85 | 34,967 | 0.2% | |
Share Holding
| Indian Promoters | % | 98.3 | 25.5 | 386.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 62.2 | 1.1% | |
| FIIs | % | 0.0 | 39.4 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 74.6 | 2.3% | |
| Shareholders | 184,679 | 230,172 | 80.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs AU SMALL FINANCE BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Punjab & Sind Bank vs AU SMALL FINANCE BANK Share Price Performance
| Period | Punjab & Sind Bank | AU SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.87% | 0.02% | 0.14% |
| 1-Month | 8.08% | 8.30% | 4.23% |
| 1-Year | 91.23% | -5.38% | 13.31% |
| 3-Year CAGR | 54.66% | 5.06% | 14.45% |
| 5-Year CAGR | 16.50% | 13.80% | 10.29% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the AU SMALL FINANCE BANK share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of AU SMALL FINANCE BANK the stake stands at 25.5%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Punjab & Sind Bank and the shareholding pattern of AU SMALL FINANCE BANK.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.5 per share. This amounted to a Dividend Payout ratio of 24.8%.
AU SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 4.7%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of AU SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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