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- PUNJAB & SIND BANK - IDBI BANK
PUNJAB & SIND BANK vs IDBI BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | IDBI BANK | PUNJAB & SIND BANK/ IDBI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.0 | 17.2 | 256.3% | View Chart |
| P/BV | x | 2.7 | 2.0 | 135.0% | View Chart |
| Dividend Yield | % | 0.8 | 1.2 | 68.7% |
Financials
 PUNJAB & SIND BANK  IDBI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
IDBI BANK Mar-23 |
PUNJAB & SIND BANK/ IDBI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 62 | 72.0% | |
| Low | Rs | 13 | 31 | 41.0% | |
| Income per share (Unadj.) | Rs | 11.8 | 19.2 | 61.6% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 3.4 | 56.2% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 5.4 | 107.5% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.00 | 48.0% | |
| Avg Dividend yield | % | 1.7 | 2.2 | 77.7% | |
| Book value per share (Unadj.) | Rs | 22.3 | 43.1 | 51.7% | |
| Shares outstanding (eoy) | m | 6,777.79 | 10,752.40 | 63.0% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 2.4 | 100.3% | |
| Avg P/E ratio | x | 14.8 | 13.4 | 109.9% | |
| Avg P/CF ratio | x | 13.4 | 5.6 | 237.0% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 1.1 | 119.4% | |
| Dividend payout | % | 24.8 | 29.0 | 85.4% | |
| Avg Mkt Cap | Rs m | 193,675 | 497,299 | 38.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 36,914 | 41.8% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 79,927 | 205,915 | 38.8% | |
| Other income | Rs m | 9,400 | 45,754 | 20.5% | |
| Interest expense | Rs m | 50,194 | 91,304 | 55.0% | |
| Net interest income | Rs m | 29,734 | 114,611 | 25.9% | |
| Operating expense | Rs m | 24,634 | 72,326 | 34.1% | |
| Gross profit | Rs m | 5,100 | 42,285 | 12.1% | |
| Gross profit margin | % | 6.4 | 20.5 | 31.1% | |
| Provisions/contingencies | Rs m | 1,369 | 51,171 | 2.7% | |
| Profit before tax | Rs m | 16,198 | 36,868 | 43.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -219 | -0.0% | |
| Prior Period Items | Rs m | 0 | 411 | 0.0% | |
| Tax | Rs m | 3,068 | 0 | - | |
| Profit after tax | Rs m | 13,130 | 37,061 | 35.4% | |
| Net profit margin | % | 16.4 | 18.0 | 91.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 1,625,458 | 47.3% | |
| Deposits | Rs m | 1,096,655 | 2,553,222 | 43.0% | |
| Credit/Deposit ratio | x | 70.0 | 63.7 | 110.0% | |
| Yield on advances | % | 7.2 | 8.2 | 87.3% | |
| Cost of deposits | % | 4.3 | 3.1 | 140.5% | |
| Net Interest Margin | % | 2.4 | 4.4 | 56.1% | |
| Net fixed assets | Rs m | 15,194 | 93,048 | 16.3% | |
| Share capital | Rs m | 67,778 | 107,524 | 63.0% | |
| Free reserves | Rs m | 83,307 | 355,668 | 23.4% | |
| Net worth | Rs m | 151,085 | 463,192 | 32.6% | |
| Borrowings | Rs m | 90,184 | 126,378 | 71.4% | |
| Investments | Rs m | 448,384 | 1,004,087 | 44.7% | |
| Total assets | Rs m | 1,364,545 | 3,314,977 | 41.2% | |
| Debt/equity ratio | x | 7.9 | 5.8 | 135.8% | |
| Return on assets | % | 1.0 | 1.1 | 86.1% | |
| Return on equity | % | 8.7 | 8.0 | 108.6% | |
| Capital adequacy ratio | % | 17.1 | 20.4 | 83.7% | |
| Net NPAs | % | 1.8 | 0.9 | 200.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -26,009 | -54.9% | |
| From Investments | Rs m | -882 | -2,945 | 29.9% | |
| From Financial Activity | Rs m | -13,317 | -35,645 | 37.4% | |
| Net Cashflow | Rs m | 85 | -64,485 | -0.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 94.7 | 103.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 0.5 | 136.7% | |
| FIIs | % | 0.0 | 0.3 | 6.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 5.3 | 33.1% | |
| Shareholders | 184,679 | 636,699 | 29.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs IDBI 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 IDBI Bank Share Price Performance
| Period | Punjab & Sind Bank | IDBI Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.72% | -0.61% | -1.09% |
| 1-Month | 3.01% | 2.71% | 0.62% |
| 1-Year | 81.04% | 59.45% | 10.97% |
| 3-Year CAGR | 50.62% | 35.86% | 14.53% |
| 5-Year CAGR | 14.75% | 14.36% | 9.34% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the IDBI 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 IDBI Bank the stake stands at 94.7%.
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 IDBI 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%.
IDBI Bank paid Rs 1.0, and its dividend payout ratio stood at 29.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of IDBI Bank.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results]()
Sensex Today Falls 1,000 Points from Day's High, Slides for 4th Day | Nifty Below 22,100 | Infosys, Bajaj Auto Surge Ahead of Q3 Results(Closing)
It was indeed a volatile trading session for Indian share markets today. Benchmark indices swung between gains and losses throughout the day.
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