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- PUNJAB & SIND BANK - DHANLAXMI BANK
PUNJAB & SIND BANK vs DHANLAXMI BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | DHANLAXMI BANK | PUNJAB & SIND BANK/ DHANLAXMI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 43.7 | 12.1 | 360.2% | View Chart |
| P/BV | x | 2.6 | 1.2 | 225.8% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  DHANLAXMI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
DHANLAXMI BANK Mar-23 |
PUNJAB & SIND BANK/ DHANLAXMI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 26 | 168.8% | |
| Low | Rs | 13 | 11 | 119.0% | |
| Income per share (Unadj.) | Rs | 11.8 | 42.3 | 27.9% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 2.0 | 99.3% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 15.9 | 36.6% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
| Avg Dividend yield | % | 1.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.3 | 38.0 | 58.7% | |
| Shares outstanding (eoy) | m | 6,777.79 | 253.01 | 2,678.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0.4 | 555.3% | |
| Avg P/E ratio | x | 14.8 | 9.5 | 155.8% | |
| Avg P/CF ratio | x | 13.4 | 3.8 | 352.1% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0.5 | 263.6% | |
| Dividend payout | % | 24.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 193,675 | 4,674 | 4,143.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 2,473 | 624.6% | |
| 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 | 10,712 | 746.1% | |
| Other income | Rs m | 9,400 | 745 | 1,261.4% | |
| Interest expense | Rs m | 50,194 | 5,955 | 842.9% | |
| Net interest income | Rs m | 29,734 | 4,758 | 625.0% | |
| Operating expense | Rs m | 24,634 | 4,271 | 576.8% | |
| Gross profit | Rs m | 5,100 | 487 | 1,047.5% | |
| Gross profit margin | % | 6.4 | 4.5 | 140.4% | |
| Provisions/contingencies | Rs m | 1,369 | 738 | 185.4% | |
| Profit before tax | Rs m | 16,198 | 494 | 3,281.5% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 13,130 | 494 | 2,659.9% | |
| Net profit margin | % | 16.4 | 4.6 | 356.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 94,515 | 812.8% | |
| Deposits | Rs m | 1,096,655 | 133,516 | 821.4% | |
| Credit/Deposit ratio | x | 70.0 | 70.8 | 99.0% | |
| Yield on advances | % | 7.2 | 8.7 | 82.0% | |
| Cost of deposits | % | 4.3 | 4.3 | 101.1% | |
| Net Interest Margin | % | 2.4 | 3.6 | 68.5% | |
| Net fixed assets | Rs m | 15,194 | 2,509 | 605.7% | |
| Share capital | Rs m | 67,778 | 2,530 | 2,678.8% | |
| Free reserves | Rs m | 83,307 | 7,081 | 1,176.4% | |
| Net worth | Rs m | 151,085 | 9,612 | 1,571.9% | |
| Borrowings | Rs m | 90,184 | 4,924 | 1,831.6% | |
| Investments | Rs m | 448,384 | 38,886 | 1,153.1% | |
| Total assets | Rs m | 1,364,545 | 151,321 | 901.8% | |
| Debt/equity ratio | x | 7.9 | 14.4 | 54.5% | |
| Return on assets | % | 1.0 | 0.3 | 295.0% | |
| Return on equity | % | 8.7 | 5.1 | 169.2% | |
| Capital adequacy ratio | % | 17.1 | 12.3 | 138.8% | |
| Net NPAs | % | 1.8 | 1.2 | 158.6% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 2,164 | 660.1% | |
| From Investments | Rs m | -882 | -1,056 | 83.5% | |
| From Financial Activity | Rs m | -13,317 | NA | - | |
| Net Cashflow | Rs m | 85 | 1,108 | 7.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 6.2 | 10.9% | |
| FIIs | % | 0.0 | 6.1 | 0.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 184,679 | 212,869 | 86.8% | ||
| 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 Dhanlaxmi 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 Dhanlaxmi Bank Share Price Performance
| Period | Punjab & Sind Bank | Dhanlaxmi Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.79% | 1.37% | 1.02% |
| 1-Month | 4.44% | 1.98% | 2.05% |
| 1-Year | 85.14% | 169.58% | 12.30% |
| 3-Year CAGR | 50.22% | 48.02% | 14.92% |
| 5-Year CAGR | 15.31% | 19.33% | 10.00% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Dhanlaxmi 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 Dhanlaxmi 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 Punjab & Sind Bank and the shareholding pattern of Dhanlaxmi 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%.
Dhanlaxmi Bank paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Dhanlaxmi Bank.
For a sector overview, read our banking sector report.
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