PUNJAB & SIND BANK | EQUITAS SMALL FINANCE BANK | PUNJAB & SIND BANK/ EQUITAS SMALL FINANCE BANK |
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P/E (TTM) | x | 44.1 | 14.4 | 306.1% | View Chart |
P/BV | x | 2.7 | 2.2 | 122.0% | View Chart |
Dividend Yield | % | 0.8 | 1.0 | 80.1% |
PUNJAB & SIND BANK EQUITAS SMALL FINANCE BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
EQUITAS SMALL FINANCE BANK Mar-23 |
PUNJAB & SIND BANK/ EQUITAS SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 78 | 57.3% | |
Low | Rs | 13 | 38 | 33.3% | |
Income per share (Unadj.) | Rs | 11.8 | 37.5 | 31.5% | |
Earnings per share (Unadj.) | Rs | 1.9 | 5.2 | 37.5% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 19.9 | 29.3% | |
Dividends per share (Unadj.) | Rs | 0.48 | 1.00 | 48.0% | |
Avg Dividend yield | % | 1.7 | 1.7 | 96.9% | |
Book value per share (Unadj.) | Rs | 22.3 | 46.4 | 48.0% | |
Shares outstanding (eoy) | m | 6,777.79 | 1,110.56 | 610.3% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.5 | 157.4% | |
Avg P/E ratio | x | 14.8 | 11.2 | 132.1% | |
Avg P/CF ratio | x | 13.4 | 5.4 | 245.2% | |
Avg Price/Bookvalue ratio | x | 1.3 | 1.2 | 103.1% | |
Dividend payout | % | 24.8 | 19.4 | 128.0% | |
Avg Mkt Cap | Rs m | 193,675 | 64,063 | 302.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 10,967 | 140.8% | |
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 | 41,619 | 192.0% | |
Other income | Rs m | 9,400 | 6,696 | 140.4% | |
Interest expense | Rs m | 50,194 | 16,172 | 310.4% | |
Net interest income | Rs m | 29,734 | 25,447 | 116.8% | |
Operating expense | Rs m | 24,634 | 20,383 | 120.9% | |
Gross profit | Rs m | 5,100 | 5,064 | 100.7% | |
Gross profit margin | % | 6.4 | 12.2 | 52.4% | |
Provisions/contingencies | Rs m | 1,369 | 6,024 | 22.7% | |
Profit before tax | Rs m | 16,198 | 7,688 | 210.7% | |
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 | 1,952 | 157.2% | |
Profit after tax | Rs m | 13,130 | 5,736 | 228.9% | |
Net profit margin | % | 16.4 | 13.8 | 119.2% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 257,986 | 297.8% | |
Deposits | Rs m | 1,096,655 | 253,806 | 432.1% | |
Credit/Deposit ratio | x | 70.0 | 101.6 | 68.9% | |
Yield on advances | % | 7.2 | 14.6 | 49.1% | |
Cost of deposits | % | 4.3 | 5.4 | 80.4% | |
Net Interest Margin | % | 2.4 | 7.8 | 31.2% | |
Net fixed assets | Rs m | 15,194 | 3,377 | 449.9% | |
Share capital | Rs m | 67,778 | 11,106 | 610.3% | |
Free reserves | Rs m | 83,307 | 40,417 | 206.1% | |
Net worth | Rs m | 151,085 | 51,523 | 293.2% | |
Borrowings | Rs m | 90,184 | 29,738 | 303.3% | |
Investments | Rs m | 448,384 | 66,646 | 672.8% | |
Total assets | Rs m | 1,364,545 | 349,581 | 390.3% | |
Debt/equity ratio | x | 7.9 | 5.5 | 142.7% | |
Return on assets | % | 1.0 | 1.6 | 58.6% | |
Return on equity | % | 8.7 | 11.1 | 78.1% | |
Capital adequacy ratio | % | 17.1 | 23.8 | 71.8% | |
Net NPAs | % | 1.8 | 1.2 | 152.1% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -9,977 | -143.2% | |
From Investments | Rs m | -882 | -2,613 | 33.7% | |
From Financial Activity | Rs m | -13,317 | 601 | -2,215.3% | |
Net Cashflow | Rs m | 85 | -8,883 | -1.0% |
Indian Promoters | % | 98.3 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 64.7 | 1.0% | |
FIIs | % | 0.0 | 19.5 | 0.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 100.0 | 1.8% | |
Shareholders | 184,679 | 372,304 | 49.6% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI 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 | EQUITAS SMALL FINANCE BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.59% | 0.59% | -0.96% |
1-Month | 3.14% | 6.72% | 0.75% |
1-Year | 81.28% | 38.99% | 11.11% |
3-Year CAGR | 50.69% | 24.83% | 14.58% |
5-Year CAGR | 14.78% | 24.79% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the EQUITAS 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 EQUITAS SMALL FINANCE 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 EQUITAS 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%.
EQUITAS SMALL FINANCE BANK paid Rs 1.0, and its dividend payout ratio stood at 19.4%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of EQUITAS SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
Asian share markets are mixed today after US shares extended their losing streak to the longest since January 2024.