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- PUNJAB & SIND BANK - KOTAK MAHINDRA BANK
PUNJAB & SIND BANK vs KOTAK MAHINDRA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | KOTAK MAHINDRA BANK | PUNJAB & SIND BANK/ KOTAK MAHINDRA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 44.0 | 20.6 | 214.0% | View Chart |
| P/BV | x | 2.7 | 3.2 | 84.1% | View Chart |
| Dividend Yield | % | 0.8 | 0.1 | 964.2% |
Financials
 PUNJAB & SIND BANK  KOTAK MAHINDRA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
KOTAK MAHINDRA BANK Mar-23 |
PUNJAB & SIND BANK/ KOTAK MAHINDRA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 45 | 1,997 | 2.2% | |
| Low | Rs | 13 | 1,630 | 0.8% | |
| Income per share (Unadj.) | Rs | 11.8 | 212.2 | 5.6% | |
| Earnings per share (Unadj.) | Rs | 1.9 | 75.1 | 2.6% | |
| Cash flow per share (Unadj.) | Rs | 5.8 | 242.3 | 2.4% | |
| Dividends per share (Unadj.) | Rs | 0.48 | 1.50 | 32.0% | |
| Avg Dividend yield | % | 1.7 | 0.1 | 2,030.9% | |
| Book value per share (Unadj.) | Rs | 22.3 | 565.1 | 3.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,986.56 | 341.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.4 | 8.5 | 28.4% | |
| Avg P/E ratio | x | 14.8 | 24.1 | 61.1% | |
| Avg P/CF ratio | x | 13.4 | 17.8 | 75.0% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 3.2 | 39.9% | |
| Dividend payout | % | 24.8 | 2.0 | 1,241.0% | |
| Avg Mkt Cap | Rs m | 193,675 | 3,602,620 | 5.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 15,444 | 84,790 | 18.2% | |
| 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 | 421,511 | 19.0% | |
| Other income | Rs m | 9,400 | 259,910 | 3.6% | |
| Interest expense | Rs m | 50,194 | 144,111 | 34.8% | |
| Net interest income | Rs m | 29,734 | 277,399 | 10.7% | |
| Operating expense | Rs m | 24,634 | 336,450 | 7.3% | |
| Gross profit | Rs m | 5,100 | -59,051 | -8.6% | |
| Gross profit margin | % | 6.4 | -14.0 | -45.5% | |
| Provisions/contingencies | Rs m | 1,369 | 53,054 | 2.6% | |
| Profit before tax | Rs m | 16,198 | 196,462 | 8.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 1,446 | 0.0% | |
| Tax | Rs m | 3,068 | 48,657 | 6.3% | |
| Profit after tax | Rs m | 13,130 | 149,250 | 8.8% | |
| Net profit margin | % | 16.4 | 35.4 | 46.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 768,194 | 3,591,075 | 21.4% | |
| Deposits | Rs m | 1,096,655 | 3,612,726 | 30.4% | |
| Credit/Deposit ratio | x | 70.0 | 99.4 | 70.5% | |
| Yield on advances | % | 7.2 | 8.6 | 83.7% | |
| Cost of deposits | % | 4.3 | 3.3 | 132.1% | |
| Net Interest Margin | % | 2.4 | 5.0 | 48.8% | |
| Net fixed assets | Rs m | 15,194 | 22,612 | 67.2% | |
| Share capital | Rs m | 67,778 | 14,933 | 453.9% | |
| Free reserves | Rs m | 83,307 | 1,107,608 | 7.5% | |
| Net worth | Rs m | 151,085 | 1,122,541 | 13.5% | |
| Borrowings | Rs m | 90,184 | 570,339 | 15.8% | |
| Investments | Rs m | 448,384 | 1,953,380 | 23.0% | |
| Total assets | Rs m | 1,364,545 | 6,204,297 | 22.0% | |
| Debt/equity ratio | x | 7.9 | 3.7 | 210.8% | |
| Return on assets | % | 1.0 | 2.4 | 40.0% | |
| Return on equity | % | 8.7 | 13.3 | 65.4% | |
| Capital adequacy ratio | % | 17.1 | 20.8 | 82.3% | |
| Net NPAs | % | 1.8 | 0.4 | 497.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 14,284 | -12,424 | -115.0% | |
| From Investments | Rs m | -882 | -105,502 | 0.8% | |
| From Financial Activity | Rs m | -13,317 | 18,830 | -70.7% | |
| Net Cashflow | Rs m | 85 | -97,401 | -0.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 25.9 | 379.3% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 61.0 | 1.1% | |
| FIIs | % | 0.0 | 35.9 | 0.1% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 74.1 | 2.4% | |
| Shareholders | 184,679 | 681,301 | 27.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK SBI BANDHAN BANK
More on Punjab & Sind Bank vs Kotak 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 Kotak Bank Share Price Performance
| Period | Punjab & Sind Bank | Kotak Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -0.72% | -0.50% | -1.09% |
| 1-Month | 3.01% | 2.83% | 0.62% |
| 1-Year | 81.04% | -5.38% | 10.97% |
| 3-Year CAGR | 50.62% | 1.65% | 14.53% |
| 5-Year CAGR | 14.75% | 5.35% | 9.34% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Kotak 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 Kotak Bank the stake stands at 25.9%.
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 Kotak 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%.
Kotak Bank paid Rs 1.5, and its dividend payout ratio stood at 2.0%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Kotak Bank.
For a sector overview, read our banking sector report.
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