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- PUNJAB & SIND BANK - IDFC FIRST BANK
PUNJAB & SIND BANK vs IDFC FIRST BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | IDFC FIRST BANK | PUNJAB & SIND BANK/ IDFC FIRST BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.3 | 19.3 | 229.4% | View Chart |
| P/BV | x | 2.7 | 2.3 | 118.2% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  IDFC FIRST BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
IDFC FIRST BANK Mar-23 |
PUNJAB & SIND BANK/ IDFC FIRST BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 64 | 69.4% | |
| Low | Rs | 13 | 29 | 43.2% | |
| Income per share (Unadj.) | Rs | 11.8 | 34.3 | 34.3% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 3.8 | 51.6% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 19.5 | 29.8% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
| Avg Dividend yield | % | 1.7 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.3 | 39.0 | 57.2% | |
| Shares outstanding (eoy) | m | 6,777.79 | 6,618.12 | 102.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 1.4 | 178.5% | |
| Avg P/E ratio | x | 14.8 | 12.4 | 118.8% | |
| Avg P/CF ratio | x | 13.4 | 6.2 | 216.3% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 1.2 | 107.2% | |
| Dividend payout | % | 24.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 193,675 | 308,570 | 62.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 42,786 | 36.1% | |
| 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 | 227,278 | 35.2% | |
| Other income | Rs m | 9,400 | 44,673 | 21.0% | |
| Interest expense | Rs m | 50,194 | 100,906 | 49.7% | |
| Net interest income | Rs m | 29,734 | 126,372 | 23.5% | |
| Operating expense | Rs m | 24,634 | 121,082 | 20.3% | |
| Gross profit | Rs m | 5,100 | 5,289 | 96.4% | |
| Gross profit margin | % | 6.4 | 2.3 | 274.2% | |
| Provisions/contingencies | Rs m | 1,369 | 25,113 | 5.5% | |
| Profit before tax | Rs m | 16,198 | 33,314 | 48.6% | |
| 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 | 8,465 | 36.2% | |
| Profit after tax | Rs m | 13,130 | 24,849 | 52.8% | |
| Net profit margin | % | 16.4 | 10.9 | 150.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 1,517,945 | 50.6% | |
| Deposits | Rs m | 1,096,655 | 1,444,695 | 75.9% | |
| Credit/Deposit ratio | x | 70.0 | 105.1 | 66.7% | |
| Yield on advances | % | 7.2 | 12.6 | 56.7% | |
| Cost of deposits | % | 4.3 | 4.3 | 99.8% | |
| Net Interest Margin | % | 2.4 | 5.9 | 41.1% | |
| Net fixed assets | Rs m | 15,194 | 19,145 | 79.4% | |
| Share capital | Rs m | 67,778 | 66,181 | 102.4% | |
| Free reserves | Rs m | 83,307 | 191,923 | 43.4% | |
| Net worth | Rs m | 151,085 | 258,104 | 58.5% | |
| Borrowings | Rs m | 90,184 | 572,121 | 15.8% | |
| Investments | Rs m | 448,384 | 609,133 | 73.6% | |
| Total assets | Rs m | 1,364,545 | 2,398,821 | 56.9% | |
| Debt/equity ratio | x | 7.9 | 7.8 | 100.5% | |
| Return on assets | % | 1.0 | 1.0 | 92.9% | |
| Return on equity | % | 8.7 | 9.6 | 90.3% | |
| Capital adequacy ratio | % | 17.1 | 16.8 | 101.7% | |
| Net NPAs | % | 1.8 | 0.9 | 214.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | 35,630 | 40.1% | |
| From Investments | Rs m | -882 | -119,957 | 0.7% | |
| From Financial Activity | Rs m | -13,317 | 65,090 | -20.5% | |
| Net Cashflow | Rs m | 85 | -19,237 | -0.4% | |
Share Holding
| Indian Promoters | % | 98.3 | 37.5 | 262.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 34.6 | 1.9% | |
| FIIs | % | 0.0 | 24.3 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 62.6 | 2.8% | |
| Shareholders | 184,679 | 2,382,674 | 7.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs IDFC FIRST 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 IDFC FIRST BANK Share Price Performance
| Period | Punjab & Sind Bank | IDFC FIRST BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.12% | 0.00% | -0.50% |
| 1-Month | 3.75% | 6.17% | 1.73% |
| 1-Year | 85.29% | 50.07% | 12.08% |
| 3-Year CAGR | 49.84% | 15.56% | 14.00% |
| 5-Year CAGR | 14.27% | 9.05% | 9.37% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the IDFC FIRST 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 IDFC FIRST BANK the stake stands at 37.5%.
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 IDFC FIRST 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%.
IDFC FIRST 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 IDFC FIRST BANK.
For a sector overview, read our banking sector report.
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