PUNJAB & SIND BANK | SURYODAY SMALL FINANCE BANK | PUNJAB & SIND BANK/ SURYODAY SMALL FINANCE BANK |
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P/E (TTM) | x | 46.0 | 11.3 | 407.0% | View Chart |
P/BV | x | 2.8 | 1.4 | 199.8% | View Chart |
Dividend Yield | % | 0.8 | 0.0 | - |
PUNJAB & SIND BANK SURYODAY SMALL FINANCE BANK |
EQUITY SHARE DATA | |||||
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PUNJAB & SIND BANK Mar-23 |
SURYODAY SMALL FINANCE BANK Mar-23 |
PUNJAB & SIND BANK/ SURYODAY SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
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High | Rs | 45 | 158 | 28.3% | |
Low | Rs | 13 | 77 | 16.2% | |
Income per share (Unadj.) | Rs | 11.8 | 111.5 | 10.6% | |
Earnings per share (Unadj.) | Rs | 1.9 | 7.3 | 26.5% | |
Cash flow per share (Unadj.) | Rs | 5.8 | 32.7 | 17.8% | |
Dividends per share (Unadj.) | Rs | 0.48 | 0 | - | |
Avg Dividend yield | % | 1.7 | 0 | - | |
Book value per share (Unadj.) | Rs | 22.3 | 148.5 | 15.0% | |
Shares outstanding (eoy) | m | 6,777.79 | 106.16 | 6,384.5% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.4 | 1.1 | 229.7% | |
Avg P/E ratio | x | 14.8 | 16.1 | 91.8% | |
Avg P/CF ratio | x | 13.4 | 3.7 | 361.1% | |
Avg Price/Bookvalue ratio | x | 1.3 | 0.8 | 161.8% | |
Dividend payout | % | 24.8 | 0 | - | |
Avg Mkt Cap | Rs m | 193,675 | 12,484 | 1,551.4% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 15,444 | 2,424 | 637.2% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 79,927 | 11,837 | 675.2% | |
Other income | Rs m | 9,400 | 974 | 964.8% | |
Interest expense | Rs m | 50,194 | 4,371 | 1,148.3% | |
Net interest income | Rs m | 29,734 | 7,466 | 398.3% | |
Operating expense | Rs m | 24,634 | 5,065 | 486.3% | |
Gross profit | Rs m | 5,100 | 2,400 | 212.5% | |
Gross profit margin | % | 6.4 | 20.3 | 31.5% | |
Provisions/contingencies | Rs m | 1,369 | 2,598 | 52.7% | |
Profit before tax | Rs m | 16,198 | 1,009 | 1,606.0% | |
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 | 232 | 1,324.2% | |
Profit after tax | Rs m | 13,130 | 777 | 1,690.1% | |
Net profit margin | % | 16.4 | 6.6 | 250.3% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 768,194 | 60,151 | 1,277.1% | |
Deposits | Rs m | 1,096,655 | 51,667 | 2,122.5% | |
Credit/Deposit ratio | x | 70.0 | 116.4 | 60.2% | |
Yield on advances | % | 7.2 | 17.0 | 42.0% | |
Cost of deposits | % | 4.3 | 5.3 | 80.9% | |
Net Interest Margin | % | 2.4 | 8.7 | 28.1% | |
Net fixed assets | Rs m | 15,194 | 1,632 | 931.3% | |
Share capital | Rs m | 67,778 | 1,062 | 6,384.6% | |
Free reserves | Rs m | 83,307 | 14,698 | 566.8% | |
Net worth | Rs m | 151,085 | 15,759 | 958.7% | |
Borrowings | Rs m | 90,184 | 27,654 | 326.1% | |
Investments | Rs m | 448,384 | 25,702 | 1,744.6% | |
Total assets | Rs m | 1,364,545 | 98,612 | 1,383.7% | |
Debt/equity ratio | x | 7.9 | 5.0 | 156.1% | |
Return on assets | % | 1.0 | 0.8 | 122.1% | |
Return on equity | % | 8.7 | 4.9 | 176.3% | |
Capital adequacy ratio | % | 17.1 | 33.7 | 50.7% | |
Net NPAs | % | 1.8 | 1.6 | 118.7% |
CASH FLOW | |||||
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From Operations | Rs m | 14,284 | -977 | -1,462.0% | |
From Investments | Rs m | -882 | -2,657 | 33.2% | |
From Financial Activity | Rs m | -13,317 | 2,135 | -623.8% | |
Net Cashflow | Rs m | 85 | -1,499 | -5.7% |
Indian Promoters | % | 98.3 | 22.4 | 438.6% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 0.7 | 17.0 | 4.0% | |
FIIs | % | 0.0 | 2.9 | 0.7% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 1.8 | 77.6 | 2.3% | |
Shareholders | 184,679 | 96,276 | 191.8% | ||
Pledged promoter(s) holding | % | 0.0 | 22.5 | - |
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 | SURYODAY SMALL FINANCE BANK | S&P BSE BANKEX |
---|---|---|---|
1-Day | 0.32% | -0.53% | -0.70% |
1-Month | 7.49% | 29.00% | 3.35% |
1-Year | 90.18% | 102.43% | 12.35% |
3-Year CAGR | 54.38% | -5.67% | 14.13% |
5-Year CAGR | 16.37% | -5.64% | 10.11% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK the stake stands at 22.4%.
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 SURYODAY SMALL FINANCE 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%.
SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK.
For a sector overview, read our banking sector report.
After opening the day on high, Indian share markets reversed the trend as the session progressed and ended the lower.