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- PUNJAB & SIND BANK - ESAF SMALL FINANCE BANK
PUNJAB & SIND BANK vs ESAF SMALL FINANCE BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | ESAF SMALL FINANCE BANK | PUNJAB & SIND BANK/ ESAF SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.0 | - | - | View Chart |
| P/BV | x | 2.8 | 1.9 | 148.7% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  ESAF SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
ESAF SMALL FINANCE BANK Mar-23 |
PUNJAB & SIND BANK/ ESAF SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | NA | - | |
| Low | Rs | 13 | NA | - | |
| Income per share (Unadj.) | Rs | 11.8 | 63.5 | 18.6% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 6.7 | 28.8% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 23.3 | 25.0% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
| Avg Dividend yield | % | 1.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.3 | 38.0 | 58.6% | |
| Shares outstanding (eoy) | m | 6,777.79 | 449.47 | 1,508.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 0 | - | |
| Avg P/E ratio | x | 14.8 | 0 | - | |
| Avg P/CF ratio | x | 13.4 | 0 | - | |
| Avg Price/Bookvalue ratio | x | 1.3 | 0 | - | |
| Dividend payout | % | 24.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 193,675 | 0 | - | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 2,780 | 555.6% | |
| 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 | 28,537 | 280.1% | |
| Other income | Rs m | 9,400 | 2,879 | 326.5% | |
| Interest expense | Rs m | 50,194 | 10,173 | 493.4% | |
| Net interest income | Rs m | 29,734 | 18,363 | 161.9% | |
| Operating expense | Rs m | 24,634 | 12,305 | 200.2% | |
| Gross profit | Rs m | 5,100 | 6,058 | 84.2% | |
| Gross profit margin | % | 6.4 | 21.2 | 30.1% | |
| Provisions/contingencies | Rs m | 1,369 | 5,914 | 23.2% | |
| Profit before tax | Rs m | 16,198 | 4,060 | 398.9% | |
| 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 | 1,037 | 295.8% | |
| Profit after tax | Rs m | 13,130 | 3,023 | 434.3% | |
| Net profit margin | % | 16.4 | 10.6 | 155.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 139,243 | 551.7% | |
| Deposits | Rs m | 1,096,655 | 146,656 | 747.8% | |
| Credit/Deposit ratio | x | 70.0 | 94.9 | 73.8% | |
| Yield on advances | % | 7.2 | 18.2 | 39.4% | |
| Cost of deposits | % | 4.3 | 5.7 | 75.3% | |
| Net Interest Margin | % | 2.4 | 9.8 | 25.0% | |
| Net fixed assets | Rs m | 15,194 | 1,877 | 809.5% | |
| Share capital | Rs m | 67,778 | 4,495 | 1,507.9% | |
| Free reserves | Rs m | 83,307 | 12,597 | 661.3% | |
| Net worth | Rs m | 151,085 | 17,091 | 884.0% | |
| Borrowings | Rs m | 90,184 | 33,542 | 268.9% | |
| Investments | Rs m | 448,384 | 48,885 | 917.2% | |
| Total assets | Rs m | 1,364,545 | 202,237 | 674.7% | |
| Debt/equity ratio | x | 7.9 | 10.5 | 74.5% | |
| Return on assets | % | 1.0 | 1.5 | 64.4% | |
| Return on equity | % | 8.7 | 17.7 | 49.1% | |
| Capital adequacy ratio | % | 17.1 | 19.8 | 86.2% | |
| Net NPAs | % | 1.8 | 1.1 | 162.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -5,730 | -249.3% | |
| From Investments | Rs m | -882 | -5,732 | 15.4% | |
| From Financial Activity | Rs m | -13,317 | 4,014 | -331.8% | |
| Net Cashflow | Rs m | 85 | -7,449 | -1.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 63.4 | 155.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 11.1 | 6.1% | |
| FIIs | % | 0.0 | 0.8 | 2.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 36.6 | 4.8% | |
| Shareholders | 184,679 | 102,124 | 180.8% | ||
| 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 ESAF 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 ESAF SMALL FINANCE BANK Share Price Performance
| Period | Punjab & Sind Bank | ESAF SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.21% | 0.06% | -0.70% |
| 1-Month | 7.37% | 11.62% | 3.35% |
| 1-Year | 89.97% | -10.15% | 12.35% |
| 3-Year CAGR | 54.32% | -3.51% | 14.13% |
| 5-Year CAGR | 16.35% | -2.12% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the ESAF 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 ESAF SMALL FINANCE BANK the stake stands at 63.4%.
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 ESAF 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%.
ESAF SMALL FINANCE 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 ESAF SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
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