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PUNJAB & SIND BANK vs ICICI BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK ICICI BANK PUNJAB & SIND BANK/
ICICI BANK
 
P/E (TTM) x 44.3 17.9 247.9% View Chart
P/BV x 2.7 3.6 74.4% View Chart
Dividend Yield % 0.8 0.7 110.1%  

Financials

 PUNJAB & SIND BANK   ICICI BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
ICICI BANK
Mar-23
PUNJAB & SIND BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs45958 4.7%   
Low Rs13670 1.9%   
Income per share (Unadj.) Rs11.8173.4 6.8%  
Earnings per share (Unadj.) Rs1.948.7 4.0%  
Cash flow per share (Unadj.) Rs5.8156.9 3.7%  
Dividends per share (Unadj.) Rs0.488.00 6.0%  
Avg Dividend yield %1.71.0 171.0%  
Book value per share (Unadj.) Rs22.3306.1 7.3%  
Shares outstanding (eoy) m6,777.796,982.82 97.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.44.7 51.6%   
Avg P/E ratio x14.816.7 88.3%  
Avg P/CF ratio x13.410.8 124.0%  
Avg Price/Bookvalue ratio x1.32.7 48.2%  
Dividend payout %24.816.4 151.0%   
Avg Mkt Cap Rs m193,6755,685,234 3.4%   
No. of employees `000NANA-   
Total wages & salary Rs m15,444152,342 10.1%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,9271,210,668 6.6%  
Other income Rs m9,400651,120 1.4%   
Interest expense Rs m50,194505,434 9.9%   
Net interest income Rs m29,734705,234 4.2%  
Operating expense Rs m24,634824,390 3.0%   
Gross profit Rs m5,100-119,156 -4.3%  
Gross profit margin %6.4-9.8 -64.8%  
Provisions/contingencies Rs m1,369187,334 0.7%   
Profit before tax Rs m16,198462,565 3.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-14,247 -0.0%   
Prior Period Items Rs m09,983 0.0%   
Tax Rs m3,068117,934 2.6%   
Profit after tax Rs m13,130340,366 3.9%  
Net profit margin %16.428.1 58.4%  
BALANCE SHEET DATA
Advances Rs m768,19410,838,663 7.1%   
Deposits Rs m1,096,65512,108,322 9.1%  
Credit/Deposit ratio x70.089.5 78.3%  
Yield on advances %7.28.1 88.3%   
Cost of deposits %4.33.3 132.0%   
Net Interest Margin %2.44.1 59.7%  
Net fixed assets Rs m15,194109,690 13.9%   
Share capital Rs m67,77813,968 485.2%   
Free reserves Rs m83,3072,123,401 3.9%   
Net worth Rs m151,0852,137,369 7.1%   
Borrowings Rs m90,1841,890,618 4.8%   
Investments Rs m448,3846,395,520 7.0%   
Total assets Rs m1,364,54519,584,905 7.0%  
Debt/equity ratio x7.96.5 119.9%   
Return on assets %1.01.7 55.4%  
Return on equity %8.715.9 54.6%  
Capital adequacy ratio %17.118.3 93.2%  
Net NPAs %1.80.5 360.8%  
CASH FLOW
From Operations Rs m14,284-37,712 -37.9%  
From Investments Rs m-882-680,053 0.1%  
From Financial Activity Rs m-13,317247,907 -5.4%  
Net Cashflow Rs m85-466,695 -0.0%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 89.9 0.7%  
FIIs % 0.0 43.6 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 1,802,207 8.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   HDFC BANK    AXIS BANK    SBI    KOTAK MAHINDRA BANK    BANDHAN BANK    


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

Period Punjab & Sind Bank ICICI Bank S&P BSE BANKEX
1-Day 6.26% 1.09% 0.82%
1-Month -4.49% 4.75% 2.48%
1-Year 151.33% 28.15% 19.28%
3-Year CAGR 52.63% 22.83% 12.00%
5-Year CAGR 13.80% 22.33% 9.40%

* Compound Annual Growth Rate

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

ICICI Bank paid Rs 8.0, and its dividend payout ratio stood at 16.4%.

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

For a sector overview, read our banking sector report.



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