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PUNJAB & SIND BANK vs HDFC BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK HDFC BANK PUNJAB & SIND BANK/
HDFC BANK
 
P/E (TTM) x 44.3 18.3 242.1% View Chart
P/BV x 2.7 3.8 70.2% View Chart
Dividend Yield % 0.8 1.3 61.2%  

Financials

 PUNJAB & SIND BANK   HDFC BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
HDFC BANK
Mar-23
PUNJAB & SIND BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs451,722 2.6%   
Low Rs131,272 1.0%   
Income per share (Unadj.) Rs11.8306.0 3.9%  
Earnings per share (Unadj.) Rs1.982.4 2.4%  
Cash flow per share (Unadj.) Rs5.8150.0 3.9%  
Dividends per share (Unadj.) Rs0.4819.00 2.5%  
Avg Dividend yield %1.71.3 132.3%  
Book value per share (Unadj.) Rs22.3516.7 4.3%  
Shares outstanding (eoy) m6,777.795,579.74 121.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.44.9 49.5%   
Avg P/E ratio x14.818.2 81.2%  
Avg P/CF ratio x13.411.1 120.3%  
Avg Price/Bookvalue ratio x1.32.9 44.3%  
Dividend payout %24.823.0 107.5%   
Avg Mkt Cap Rs m193,6758,351,759 2.3%   
No. of employees `000NANA-   
Total wages & salary Rs m15,444200,169 7.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,9271,707,541 4.7%  
Other income Rs m9,400339,121 2.8%   
Interest expense Rs m50,194777,799 6.5%   
Net interest income Rs m29,734929,741 3.2%  
Operating expense Rs m24,634515,337 4.8%   
Gross profit Rs m5,100414,404 1.2%  
Gross profit margin %6.424.3 26.3%  
Provisions/contingencies Rs m1,369292,038 0.5%   
Profit before tax Rs m16,198614,984 2.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,516 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m3,068153,497 2.0%   
Profit after tax Rs m13,130459,971 2.9%  
Net profit margin %16.426.9 61.0%  
BALANCE SHEET DATA
Advances Rs m768,19416,619,493 4.6%   
Deposits Rs m1,096,65518,826,633 5.8%  
Credit/Deposit ratio x70.088.3 79.4%  
Yield on advances %7.28.2 87.7%   
Cost of deposits %4.33.3 131.7%   
Net Interest Margin %2.44.3 57.1%  
Net fixed assets Rs m15,19484,756 17.9%   
Share capital Rs m67,7785,580 1,214.7%   
Free reserves Rs m83,3072,877,623 2.9%   
Net worth Rs m151,0852,883,203 5.2%   
Borrowings Rs m90,1842,565,487 3.5%   
Investments Rs m448,3845,115,817 8.8%   
Total assets Rs m1,364,54525,304,324 5.4%  
Debt/equity ratio x7.97.4 105.9%   
Return on assets %1.01.8 52.9%  
Return on equity %8.716.0 54.5%  
Capital adequacy ratio %17.119.3 88.8%  
Net NPAs %1.80.3 681.5%  
CASH FLOW
From Operations Rs m14,284208,137 6.9%  
From Investments Rs m-882-34,239 2.6%  
From Financial Activity Rs m-13,317239,406 -5.6%  
Net Cashflow Rs m85417,621 0.0%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 83.0 0.8%  
FIIs % 0.0 52.3 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 3,018,247 5.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   AXIS BANK    SBI    ICICI BANK    PNB    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs HDFC 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 HDFC Bank Share Price Performance

Period Punjab & Sind Bank HDFC Bank S&P BSE BANKEX
1-Day 6.26% 0.52% 0.82%
1-Month -4.49% 2.84% 2.48%
1-Year 151.33% -8.35% 19.28%
3-Year CAGR 52.63% -2.31% 12.00%
5-Year CAGR 13.80% 4.71% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the HDFC 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 HDFC 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 HDFC 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%.

HDFC Bank paid Rs 19.0, and its dividend payout ratio stood at 23.0%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of HDFC Bank.

For a sector overview, read our banking sector report.



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