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| PUNJAB & SIND BANK | HDFC BANK | PUNJAB & SIND BANK/ HDFC BANK |
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|---|---|---|---|---|---|
| P/E (TTM) | x | 5.8 | 29.4 | 19.8% | View Chart |
| P/BV | x | 0.3 | 6.0 | 5.8% | View Chart |
| Dividend Yield | % | 1.2 | 0.5 | 226.5% |
 PUNJAB & SIND BANK  HDFC BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-15 |
HDFC BANK Mar-16 |
PUNJAB & SIND BANK/ HDFC BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 84 | 1,128 | 7.4% | |
| Low | Rs | 44 | 929 | 4.7% | |
| Income per share (Unadj.) | Rs | 214.5 | 249.8 | 85.9% | |
| Earnings per share (Unadj.) | Rs | 3.0 | 50.6 | 6.0% | |
| Cash flow per share (Unadj.) | Rs | 21.3 | 135.9 | 15.7% | |
| Dividends per share (Unadj.) | Rs | 0.60 | 9.50 | 6.3% | |
| Avg Dividend yield | % | 0.9 | 0.9 | 101.7% | |
| Book value per share (Unadj.) | Rs | 139.8 | 293.9 | 47.6% | |
| Shares outstanding (eoy) | m | 400.41 | 2,528.19 | 15.8% | |
| Bonus/Rights/Conversions | PA | ESOP | - | ||
| Avg Price / Income ratio | x | 0.3 | 4.1 | 7.2% | |
| Avg P/E ratio | x | 21.1 | 20.3 | 103.7% | |
| Avg P/CF ratio | x | 3.4 | 16.5 | 20.7% | |
| Avg Price/Bookvalue ratio | x | 0.5 | 3.5 | 13.1% | |
| Dividend payout | % | 19.8 | 18.8 | 105.5% | |
| Avg Mkt Cap | Rs m | 25,566 | 2,599,864 | 1.0% | |
| No. of employees | `000 | 9.2 | 87.6 | 10.5% | |
| Total wages & salary | Rs m | 8,743 | 63,061 | 13.9% | |
| Avg. income/employee | Rs Th | 9,355.7 | 7,213.9 | 129.7% | |
| Avg. wages/employee | Rs Th | 952.4 | 720.2 | 132.2% | |
| Avg. net profit/employee | Rs Th | 132.2 | 1,462.1 | 9.0% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 85,886 | 631,616 | 13.6% | |
| Other income | Rs m | 4,288 | 112,117 | 3.8% | |
| Interest expense | Rs m | 69,094 | 340,696 | 20.3% | |
| Net interest income | Rs m | 16,792 | 290,920 | 5.8% | |
| Operating expense | Rs m | 13,325 | 178,319 | 7.5% | |
| Gross profit | Rs m | 3,467 | 112,601 | 3.1% | |
| Gross profit margin | % | 4.0 | 17.8 | 22.6% | |
| Provisions/contingencies | Rs m | 6,273 | 29,608 | 21.2% | |
| Profit before tax | Rs m | 1,481 | 194,715 | 0.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 197 | 0.0% | |
| Prior Period Items | Rs m | 0 | 37 | 0.0% | |
| Tax | Rs m | 268 | 66,937 | 0.4% | |
| Profit after tax | Rs m | 1,214 | 128,013 | 0.9% | |
| Net profit margin | % | 1.4 | 20.3 | 7.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 638,702 | 4,872,904 | 13.1% | |
| Deposits | Rs m | 867,147 | 5,458,733 | 15.9% | |
| Credit/Deposit ratio | x | 73.7 | 89.3 | 82.5% | |
| Yield on advances | % | 10.0 | 9.8 | 101.9% | |
| Cost of deposits | % | 7.7 | 5.3 | 144.6% | |
| Net Interest Margin | % | 1.8 | 4.2 | 41.9% | |
| Net fixed assets | Rs m | 9,948 | 34,797 | 28.6% | |
| Share capital | Rs m | 4,004 | 5,056 | 79.2% | |
| Free reserves | Rs m | 31,061 | 568,152 | 5.5% | |
| Net worth | Rs m | 55,962 | 743,041 | 7.5% | |
| Borrowings | Rs m | 30,482 | 717,635 | 4.2% | |
| Investments | Rs m | 267,517 | 1,616,833 | 16.5% | |
| Total assets | Rs m | 977,534 | 7,302,618 | 13.4% | |
| Debt/equity ratio | x | 16.0 | 8.3 | 193.0% | |
| Return on assets | % | 0.1 | 1.8 | 7.1% | |
| Return on equity | % | 2.2 | 17.2 | 12.6% | |
| Capital adequacy ratio | % | 11.2 | 15.5 | 72.4% | |
| Net NPAs | % | 3.6 | 0.3 | 1,267.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -19,816 | -76,769 | 25.8% | |
| From Investments | Rs m | -845 | -8,656 | 9.8% | |
| From Financial Activity | Rs m | -392 | 110,567 | -0.4% | |
| Net Cashflow | Rs m | -21,053 | 25,142 | -83.7% | |
| Indian Promoters | % | 79.6 | 22.6 | 352.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 10.8 | 9.9 | 109.1% | |
| FIIs | % | 1.8 | 34.1 | 5.3% | |
| ADR/GDR | % | 0.0 | 17.0 | - | |
| Free float | % | 7.8 | 16.4 | 47.6% | |
| Shareholders | 150,895 | 415,166 | 36.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: DHANLAXMI BANK BANK OF INDIA FEDERAL BANK SOUTH IND.BANK ICICI BANK
Compare PUNJAB & SIND BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Benchmark indices in US corrected marginally by 0.8% during the week. Minutes of Federal Reserve's July meeting are out and the situation looks to be in favor of the emerging markets.
Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.
Personal Loans and Credit Cards help HDFC bank report a robust set of numbers over the fourth quarter and for the financial year 2017.
HDFC Bank declared the results for the third quarter of financial year ending March 2017 (3QFY17). The bank has reported 18% YoY and 15% YoY growth in net interest income and net profits respectively in 3QFY17.
HDFC Bank declared the results for the second quarter of financial year ending March 2017 (2QFY17). The bank has reported 20% YoY and 20% YoY growth in net interest income and net profits respectively in 2QFY17.
IDFC Bank is taking steps to address contracting NIMs and successfully transition in to a retail bank.
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The India VIX is up 36% in the last week. Fear has gone up but is still low by historical standards.
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