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PUNJAB & SIND BANK vs UJJIVAN SMALL FINANCE BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK UJJIVAN SMALL FINANCE BANK PUNJAB & SIND BANK/
UJJIVAN SMALL FINANCE BANK
 
P/E (TTM) x 44.3 6.9 644.5% View Chart
P/BV x 2.7 2.1 128.4% View Chart
Dividend Yield % 0.8 2.8 28.5%  

Financials

 PUNJAB & SIND BANK   UJJIVAN SMALL FINANCE BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
UJJIVAN SMALL FINANCE BANK
Mar-23
PUNJAB & SIND BANK/
UJJIVAN SMALL FINANCE BANK
5-Yr Chart
Click to enlarge
High Rs4534 133.3%   
Low Rs1314 92.6%   
Income per share (Unadj.) Rs11.821.3 55.3%  
Earnings per share (Unadj.) Rs1.95.6 34.4%  
Cash flow per share (Unadj.) Rs5.814.8 39.5%  
Dividends per share (Unadj.) Rs0.481.25 38.4%  
Avg Dividend yield %1.75.3 31.6%  
Book value per share (Unadj.) Rs22.321.3 104.8%  
Shares outstanding (eoy) m6,777.791,954.71 346.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.41.1 219.7%   
Avg P/E ratio x14.84.2 353.2%  
Avg P/CF ratio x13.43.1 431.8%  
Avg Price/Bookvalue ratio x1.31.1 116.0%  
Dividend payout %24.822.2 111.5%   
Avg Mkt Cap Rs m193,67545,936 421.6%   
No. of employees `000NANA-   
Total wages & salary Rs m15,4449,203 167.8%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,92741,650 191.9%  
Other income Rs m9,4005,892 159.5%   
Interest expense Rs m50,19414,671 342.1%   
Net interest income Rs m29,73426,979 110.2%  
Operating expense Rs m24,63418,021 136.7%   
Gross profit Rs m5,1008,958 56.9%  
Gross profit margin %6.421.5 29.7%  
Provisions/contingencies Rs m1,3693,851 35.6%   
Profit before tax Rs m16,19814,672 110.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0683,673 83.5%   
Profit after tax Rs m13,13010,999 119.4%  
Net profit margin %16.426.4 62.2%  
BALANCE SHEET DATA
Advances Rs m768,194212,897 360.8%   
Deposits Rs m1,096,655255,377 429.4%  
Credit/Deposit ratio x70.083.4 84.0%  
Yield on advances %7.217.4 41.1%   
Cost of deposits %4.35.2 83.5%   
Net Interest Margin %2.49.1 27.0%  
Net fixed assets Rs m15,1942,653 572.7%   
Share capital Rs m67,77821,547 314.6%   
Free reserves Rs m83,30720,032 415.9%   
Net worth Rs m151,08541,579 363.4%   
Borrowings Rs m90,18426,415 341.4%   
Investments Rs m448,38485,103 526.9%   
Total assets Rs m1,364,545333,169 409.6%  
Debt/equity ratio x7.96.8 115.9%   
Return on assets %1.03.3 29.1%  
Return on equity %8.726.5 32.9%  
Capital adequacy ratio %17.125.8 66.3%  
Net NPAs %1.80 4,600.0%  
CASH FLOW
From Operations Rs m14,28410,598 134.8%  
From Investments Rs m-882-20,957 4.2%  
From Financial Activity Rs m-13,31711,864 -112.2%  
Net Cashflow Rs m851,505 5.6%  

Share Holding

Indian Promoters % 98.3 73.6 133.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 7.7 8.6%  
FIIs % 0.0 3.7 0.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 26.4 6.6%  
Shareholders   156,109 598,080 26.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on Punjab & Sind Bank vs UJJIVAN 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 UJJIVAN SMALL FINANCE BANK Share Price Performance

Period Punjab & Sind Bank UJJIVAN SMALL FINANCE BANK S&P BSE BANKEX
1-Day 6.26% 0.25% 0.82%
1-Month -4.49% -13.47% 2.48%
1-Year 151.33% 75.21% 19.28%
3-Year CAGR 52.63% 13.63% 12.00%
5-Year CAGR 13.80% -4.54% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the UJJIVAN 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 UJJIVAN SMALL FINANCE BANK the stake stands at 73.6%.

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 UJJIVAN 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%.

UJJIVAN SMALL FINANCE BANK paid Rs 1.3, and its dividend payout ratio stood at 22.2%.

You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of UJJIVAN SMALL FINANCE BANK.

For a sector overview, read our banking sector report.



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