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PUNJAB & SIND BANK vs YES BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    PUNJAB & SIND BANK YES BANK PUNJAB & SIND BANK/
YES BANK
 
P/E (TTM) x 44.3 65.2 68.0% View Chart
P/BV x 2.7 1.7 159.6% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 PUNJAB & SIND BANK   YES BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-23
YES BANK
Mar-23
PUNJAB & SIND BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs4525 180.4%   
Low Rs1312 102.2%   
Income per share (Unadj.) Rs11.87.9 149.4%  
Earnings per share (Unadj.) Rs1.90.3 757.1%  
Cash flow per share (Unadj.) Rs5.82.6 228.1%  
Dividends per share (Unadj.) Rs0.480-  
Avg Dividend yield %1.70-  
Book value per share (Unadj.) Rs22.313.8 161.3%  
Shares outstanding (eoy) m6,777.7928,754.78 23.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.42.3 103.5%   
Avg P/E ratio x14.872.3 20.4%  
Avg P/CF ratio x13.416.6 80.4%  
Avg Price/Bookvalue ratio x1.31.3 95.8%  
Dividend payout %24.80-   
Avg Mkt Cap Rs m193,675531,676 36.4%   
No. of employees `000NANA-   
Total wages & salary Rs m15,44434,751 44.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m79,927227,022 35.2%  
Other income Rs m9,40041,246 22.8%   
Interest expense Rs m50,194147,998 33.9%   
Net interest income Rs m29,73479,024 37.6%  
Operating expense Rs m24,63488,255 27.9%   
Gross profit Rs m5,100-9,231 -55.2%  
Gross profit margin %6.4-4.1 -156.9%  
Provisions/contingencies Rs m1,36924,657 5.6%   
Profit before tax Rs m16,1989,813 165.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m3,0682,455 125.0%   
Profit after tax Rs m13,1307,358 178.4%  
Net profit margin %16.43.2 506.8%  
BALANCE SHEET DATA
Advances Rs m768,1942,032,365 37.8%   
Deposits Rs m1,096,6552,173,822 50.4%  
Credit/Deposit ratio x70.093.5 74.9%  
Yield on advances %7.28.8 81.7%   
Cost of deposits %4.34.6 92.6%   
Net Interest Margin %2.42.8 86.6%  
Net fixed assets Rs m15,19421,557 70.5%   
Share capital Rs m67,77857,510 117.9%   
Free reserves Rs m83,307339,886 24.5%   
Net worth Rs m151,085397,396 38.0%   
Borrowings Rs m90,184777,540 11.6%   
Investments Rs m448,384767,493 58.4%   
Total assets Rs m1,364,5453,552,041 38.4%  
Debt/equity ratio x7.97.4 105.8%   
Return on assets %1.00.2 464.5%  
Return on equity %8.71.9 469.4%  
Capital adequacy ratio %17.117.9 95.5%  
Net NPAs %1.80.8 221.7%  
CASH FLOW
From Operations Rs m14,284-258,163 -5.5%  
From Investments Rs m-882-129,040 0.7%  
From Financial Activity Rs m-13,317114,504 -11.6%  
Net Cashflow Rs m85-273,922 -0.0%  

Share Holding

Indian Promoters % 98.3 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.7 65.8 1.0%  
FIIs % 0.0 23.8 0.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 1.8 100.0 1.8%  
Shareholders   156,109 4,994,636 3.1%  
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 Yes 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 Yes Bank Share Price Performance

Period Punjab & Sind Bank Yes Bank S&P BSE BANKEX
1-Day 6.26% 0.30% 0.82%
1-Month -4.49% -2.68% 2.48%
1-Year 151.33% 57.08% 19.28%
3-Year CAGR 52.63% 12.26% 12.00%
5-Year CAGR 13.80% -39.02% 9.40%

* Compound Annual Growth Rate

Here are more details on the Punjab & Sind Bank share price and the Yes 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 Yes Bank the stake stands at 0.0%.

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 Yes 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%.

Yes 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 Yes Bank.

For a sector overview, read our banking sector report.



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