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Compare Punjab & Sind Bank with Indusind Bank - Equitymaster

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PUNJAB & SIND BANK vs INDUSIND BANK - Comparison Results

INDUSIND BANK 
   Change

IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More

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Current Valuations

    PUNJAB & SIND BANK INDUSIND BANK PUNJAB & SIND BANK/
INDUSIND BANK
 
P/E (TTM) x 3.6 31.7 11.4% View Chart
P/BV x 0.2 5.5 3.9% View Chart
Dividend Yield % 2.0 0.3 628.9%  

Financials

 PUNJAB & SIND BANK   INDUSIND BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
INDUSIND BANK
Mar-17
PUNJAB & SIND BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs841,440 5.8%   
Low Rs44951 4.6%   
Income per share (Unadj.) Rs214.5240.8 89.1%  
Earnings per share (Unadj.) Rs3.047.9 6.3%  
Cash flow per share (Unadj.) Rs21.3134.6 15.8%  
Dividends per share (Unadj.) Rs0.606.00 10.0%  
Avg Dividend yield %0.90.5 187.3%  
Book value per share (Unadj.) Rs139.8344.9 40.5%  
Shares outstanding (eoy) m400.41598.15 66.9%   
Bonus/Rights/Conversions PAOI-  
Avg Price / Income ratio x0.35.0 6.0%   
Avg P/E ratio x21.124.9 84.5%  
Avg P/CF ratio x3.418.1 18.9%  
Avg Price/Bookvalue ratio x0.53.5 13.2%  
Dividend payout %19.812.5 158.2%   
Avg Mkt Cap Rs m25,566715,178 3.6%   
No. of employees `0009.225.3 36.3%   
Total wages & salary Rs m8,74315,210 57.5%   
Avg. income/employee Rs Th9,355.75,690.8 164.4%   
Avg. wages/employee Rs Th952.4600.9 158.5%   
Avg. net profit/employee Rs Th132.21,132.9 11.7%   
INCOME DATA
Interest income Rs m85,886144,057 59.6%  
Other income Rs m4,28841,715 10.3%   
Interest expense Rs m69,09483,431 82.8%   
Net interest income Rs m16,79260,626 27.7%  
Operating expense Rs m13,32547,831 27.9%   
Gross profit Rs m3,46712,795 27.1%  
Gross profit margin %4.08.9 45.4%  
Provisions/contingencies Rs m6,27310,913 57.5%   
Profit before tax Rs m1,48143,597 3.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m26814,918 1.8%   
Profit after tax Rs m1,21428,679 4.2%  
Net profit margin %1.419.9 7.1%  
BALANCE SHEET DATA
Advances Rs m638,7021,130,805 56.5%   
Deposits Rs m867,1471,265,722 68.5%  
Credit/Deposit ratio x73.789.3 82.4%  
Yield on advances %10.010.2 98.3%   
Cost of deposits %7.75.5 141.0%   
Net Interest Margin %1.83.6 49.2%  
Net fixed assets Rs m9,94813,352 74.5%   
Share capital Rs m4,0045,982 66.9%   
Free reserves Rs m31,061200,328 15.5%   
Net worth Rs m55,962206,309 27.1%   
Borrowings Rs m30,482224,537 13.6%   
Investments Rs m267,517367,021 72.9%   
Total assets Rs m977,5341,786,484 54.7%  
Debt/equity ratio x16.07.2 222.1%   
Return on assets %0.11.6 7.7%  
Return on equity %2.213.9 15.6%  
Capital adequacy ratio %11.215.3 73.4%  
Net NPAs %3.60.3 1,075.8%  
CASH FLOW
From Operations Rs m-19,816115,693 -17.1%  
From Investments Rs m-845-2,736 30.9%  
From Financial Activity Rs m-392-27,683 1.4%  
Net Cashflow Rs m-21,05385,274 -24.7%  

Share Holding

Indian Promoters % 79.6 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 10.8 7.5 144.0%  
FIIs % 1.8 43.3 4.2%  
ADR/GDR % 0.0 12.3 -  
Free float % 7.8 21.7 35.9%  
Shareholders   150,895 100,355 150.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   FEDERAL BANK  YES BANK  CANARA BANK  ING VYSYA BANK  ORIENTAL BANK  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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