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SBI vs PNB - Comparison Results

Rs 100 invested in...

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Current Valuations

    SBI PNB SBI/
PNB
 
P/E (TTM) x 10.9 16.7 65.1% View Chart
P/BV x 2.1 1.4 152.7% View Chart
Dividend Yield % 1.4 0.5 264.4%  

Financials

 SBI   PNB
EQUITY SHARE DATA
    SBI
Mar-23
PNB
Mar-23
SBI/
PNB
5-Yr Chart
Click to enlarge
High Rs63062 1,014.7%   
Low Rs43128 1,535.8%   
Income per share (Unadj.) Rs393.178.9 498.4%  
Earnings per share (Unadj.) Rs62.43.0 2,050.4%  
Cash flow per share (Unadj.) Rs254.78.7 2,916.9%  
Dividends per share (Unadj.) Rs11.300.65 1,738.5%  
Avg Dividend yield %2.11.4 147.7%  
Book value per share (Unadj.) Rs402.293.4 430.4%  
Shares outstanding (eoy) m8,924.6111,011.02 81.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.30.6 236.1%   
Avg P/E ratio x8.514.8 57.4%  
Avg P/CF ratio x5.12.1 238.9%  
Avg Price/Bookvalue ratio x1.30.5 273.4%  
Dividend payout %18.121.4 84.8%   
Avg Mkt Cap Rs m4,732,052496,046 954.0%   
No. of employees `000NANA-   
Total wages & salary Rs m619,209149,426 414.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m3,508,446868,453 404.0%  
Other income Rs m1,225,336122,396 1,001.1%   
Interest expense Rs m1,899,808518,170 366.6%   
Net interest income Rs m1,608,638350,283 459.2%  
Operating expense Rs m1,898,145243,357 780.0%   
Gross profit Rs m-289,507106,926 -270.8%  
Gross profit margin %-8.312.3 -67.0%  
Provisions/contingencies Rs m370,244198,629 186.4%   
Profit before tax Rs m753,98348,614 1,551.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-21,017-103 20,345.7%   
Prior Period Items Rs m11,9152,894 411.6%   
Tax Rs m188,39917,921 1,051.3%   
Profit after tax Rs m556,48233,485 1,661.9%  
Net profit margin %15.93.9 411.4%  
BALANCE SHEET DATA
Advances Rs m32,679,0218,374,590 390.2%   
Deposits Rs m44,685,35512,903,471 346.3%  
Credit/Deposit ratio x73.164.9 112.7%  
Yield on advances %7.06.9 101.5%   
Cost of deposits %3.73.6 100.4%   
Net Interest Margin %3.12.8 111.2%  
Net fixed assets Rs m440,238120,840 364.3%   
Share capital Rs m8,92522,022 40.5%   
Free reserves Rs m3,580,3891,006,783 355.6%   
Net worth Rs m3,589,3131,028,805 348.9%   
Borrowings Rs m5,211,520701,486 742.9%   
Investments Rs m19,131,0794,169,138 458.9%   
Total assets Rs m59,544,18314,936,490 398.6%  
Debt/equity ratio x13.913.2 105.1%   
Return on assets %0.90.2 416.9%  
Return on equity %15.53.3 476.4%  
Capital adequacy ratio %14.715.5 94.7%  
Net NPAs %0.72.7 24.6%  
CASH FLOW
From Operations Rs m-860,137225,921 -380.7%  
From Investments Rs m-40,410-7,325 551.7%  
From Financial Activity Rs m63,86412,750 500.9%  
Net Cashflow Rs m-805,932231,346 -348.4%  

Share Holding

Indian Promoters % 57.5 73.2 78.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 35.1 17.2 204.2%  
FIIs % 11.1 4.8 230.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 42.5 26.9 158.1%  
Shareholders   3,150,350 2,353,625 133.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   HDFC BANK    AXIS BANK    ICICI BANK    KOTAK MAHINDRA BANK    BANDHAN BANK    


More on SBI vs PNB

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

SBI vs PNB Share Price Performance

Period SBI PNB S&P BSE BANKEX
1-Day 1.59% 0.60% 1.98%
1-Month 7.70% -4.67% 2.62%
1-Year 43.13% 150.00% 11.88%
3-Year CAGR 26.41% 47.07% 12.05%
5-Year CAGR 19.45% 8.60% 10.22%

* Compound Annual Growth Rate

Here are more details on the SBI share price and the PNB share price.

Moving on to shareholding structures...

The promoters of SBI hold a 57.5% stake in the company. In case of PNB the stake stands at 73.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SBI and the shareholding pattern of PNB.

Finally, a word on dividends...

In the most recent financial year, SBI paid a dividend of Rs 11.3 per share. This amounted to a Dividend Payout ratio of 18.1%.

PNB paid Rs 0.7, and its dividend payout ratio stood at 21.4%.

You may visit here to review the dividend history of SBI, and the dividend history of PNB.

For a sector overview, read our banking sector report.



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