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- PUNJAB & SIND BANK - SURYODAY SMALL FINANCE BANK
PUNJAB & SIND BANK vs SURYODAY SMALL FINANCE BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | SURYODAY SMALL FINANCE BANK | PUNJAB & SIND BANK/ SURYODAY SMALL FINANCE BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 45.8 | 11.4 | 403.2% | View Chart |
| P/BV | x | 2.8 | 1.4 | 197.9% | View Chart |
| Dividend Yield | % | 0.8 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  SURYODAY SMALL FINANCE BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-23 |
SURYODAY SMALL FINANCE BANK Mar-23 |
PUNJAB & SIND BANK/ SURYODAY SMALL FINANCE BANK |
5-Yr Chart Click to enlarge
|
||
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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 | |||||
|---|---|---|---|---|---|
| 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% | |
Share Holding
| 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 SBI ICICI BANK KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs SURYODAY SMALL FINANCE 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 SURYODAY SMALL FINANCE BANK Share Price Performance
| Period | Punjab & Sind Bank | SURYODAY SMALL FINANCE BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.86% | 0.02% | 0.71% |
| 1-Month | 7.06% | 29.69% | 4.08% |
| 1-Year | 88.03% | 101.47% | 13.57% |
| 3-Year CAGR | 54.17% | -5.50% | 14.40% |
| 5-Year CAGR | 16.36% | -5.54% | 10.60% |
* 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.
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