PUNJAB & SIND BANK | DHANLAXMI BANK | PUNJAB & SIND BANK/ DHANLAXMI BANK |
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P/E (TTM) | x | 46.0 | 12.1 | 379.2% | View Chart |
P/BV | x | 2.8 | 1.2 | 237.6% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK DHANLAXMI BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
DHANLAXMI BANK Mar-23 |
PUNJAB & SIND BANK/ DHANLAXMI BANK |
5-Yr Chart Click to enlarge
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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 | |||||
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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 | |||||
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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 | |||||
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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% |
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 SBI ICICI BANK KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | Dhanlaxmi Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.21% | 0.14% | -0.70% |
1-Month | 7.37% | 4.59% | 3.35% |
1-Year | 89.97% | 169.81% | 12.35% |
3-Year CAGR | 54.32% | 46.34% | 14.13% |
5-Year CAGR | 16.35% | 17.42% | 10.11% |
* 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.
After opening the day on high, Indian share markets reversed the trend as the session progressed and ended the lower.