PUNJAB & SIND BANK | FINO PAYMENTS BANK | PUNJAB & SIND BANK/ FINO PAYMENTS BANK |
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P/E (TTM) | x | 46.0 | 29.2 | 157.2% | View Chart |
P/BV | x | 2.8 | 4.5 | 61.9% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK FINO PAYMENTS BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
FINO PAYMENTS BANK Mar-23 |
PUNJAB & SIND BANK/ FINO PAYMENTS BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 326 | 13.7% | |
Low | Rs | 13 | 183 | 6.8% | |
Income per share (Unadj.) | Rs | 11.8 | 11.4 | 103.4% | |
Earnings per share (Unadj.) | Rs | 1.9 | 7.8 | 24.8% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 142.1 | 4.1% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 65.1 | 34.2% | |
Shares outstanding (eoy) | m | 6,777.79 | 83.21 | 8,145.4% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 22.3 | 10.9% | |
Avg P/E ratio | x | 14.8 | 32.5 | 45.4% | |
Avg P/CF ratio | x | 13.4 | 32.5 | 41.1% | |
Avg Price/Bookvalue ratio | x | 1.3 | 3.9 | 32.8% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 21,159 | 915.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 1,556 | 992.5% | |
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 | 949 | 8,425.4% | |
Other income | Rs m | 9,400 | 11,350 | 82.8% | |
Interest expense | Rs m | 50,194 | 474 | 10,596.3% | |
Net interest income | Rs m | 29,734 | 475 | 6,260.3% | |
Operating expense | Rs m | 24,634 | 11,175 | 220.4% | |
Gross profit | Rs m | 5,100 | -10,700 | -47.7% | |
Gross profit margin | % | 6.4 | -1,127.9 | -0.6% | |
Provisions/contingencies | Rs m | 1,369 | 0 | - | |
Profit before tax | Rs m | 16,198 | 651 | 2,488.7% | |
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 | 0 | - | |
Profit after tax | Rs m | 13,130 | 651 | 2,017.3% | |
Net profit margin | % | 16.4 | 68.6 | 23.9% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 1 | 65,657,631.6% | |
Deposits | Rs m | 1,096,655 | 9,171 | 11,957.2% | |
Credit/Deposit ratio | x | 70.0 | 0 | 550,043.7% | |
Yield on advances | % | 7.2 | 10.6 | 67.6% | |
Cost of deposits | % | 4.3 | 2.0 | 216.5% | |
Net Interest Margin | % | 2.4 | 4.1 | 59.0% | |
Net fixed assets | Rs m | 15,194 | 1,394 | 1,089.7% | |
Share capital | Rs m | 67,778 | 832 | 8,145.0% | |
Free reserves | Rs m | 83,307 | 4,585 | 1,816.9% | |
Net worth | Rs m | 151,085 | 5,417 | 2,788.9% | |
Borrowings | Rs m | 90,184 | 4,341 | 2,077.7% | |
Investments | Rs m | 448,384 | 11,464 | 3,911.1% | |
Total assets | Rs m | 1,364,545 | 24,664 | 5,532.5% | |
Debt/equity ratio | x | 7.9 | 2.5 | 314.9% | |
Return on assets | % | 1.0 | 2.6 | 36.5% | |
Return on equity | % | 8.7 | 12.0 | 72.3% | |
Capital adequacy ratio | % | 17.1 | 86.1 | 19.9% | |
Net NPAs | % | 1.8 | 0 | - |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -201 | -7,105.6% | |
From Investments | Rs m | -882 | -965 | 91.3% | |
From Financial Activity | Rs m | -13,317 | 1,844 | -722.1% | |
Net Cashflow | Rs m | 85 | 678 | 12.5% |
Indian Promoters | % | 98.3 | 75.0 | 131.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 11.0 | 6.1% | |
FIIs | % | 0.0 | 5.1 | 0.4% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 25.0 | 7.0% | |
Shareholders | 184,679 | 65,144 | 283.5% | ||
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 | FINO PAYMENTS BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.21% | -0.41% | -0.70% |
1-Month | 7.37% | 2.42% | 3.35% |
1-Year | 89.97% | 39.28% | 12.35% |
3-Year CAGR | 54.32% | -18.79% | 14.13% |
5-Year CAGR | 16.35% | -11.74% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the FINO PAYMENTS 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 FINO PAYMENTS BANK the stake stands at 75.0%.
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 FINO PAYMENTS 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%.
FINO PAYMENTS 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 FINO PAYMENTS 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.