PUNJAB & SIND BANK | IDFC FIRST BANK | PUNJAB & SIND BANK/ IDFC FIRST BANK |
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P/E (TTM) | x | 43.7 | 19.1 | 228.4% | View Chart |
P/BV | x | 2.6 | 2.2 | 117.7% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK IDFC FIRST BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
IDFC FIRST BANK Mar-23 |
PUNJAB & SIND BANK/ IDFC FIRST BANK |
5-Yr Chart Click to enlarge
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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 | |||||
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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 | |||||
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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 | |||||
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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% |
Indian Promoters | % | 98.3 | 37.4 | 262.5% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 34.2 | 2.0% | |
FIIs | % | 0.0 | 23.7 | 0.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 62.6 | 2.8% | |
Shareholders | 184,679 | 2,611,512 | 7.1% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI KOTAK MAHINDRA BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | Punjab & Sind Bank | IDFC FIRST BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | -0.79% | -0.93% | 1.02% |
1-Month | 4.44% | 6.80% | 2.05% |
1-Year | 85.14% | 45.32% | 12.30% |
3-Year CAGR | 50.22% | 17.30% | 14.92% |
5-Year CAGR | 15.31% | 9.64% | 10.00% |
* 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 37.4%.
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.
After opening the day deep in red, Indian share markets reversed the trend as the session progressed and ended on firm footing.