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- SBI - PUNJAB & SIND BANK
SBI vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| SBI | PUNJAB & SIND BANK | SBI/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 10.7 | 45.0 | 23.7% | View Chart |
| P/BV | x | 1.9 | 2.7 | 70.8% | View Chart |
| Dividend Yield | % | 1.5 | 0.8 | 184.4% |
Financials
 SBI  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SBI Mar-23 |
PUNJAB & SIND BANK Mar-23 |
SBI/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 630 | 45 | 1,410.2% | |
| Low | Rs | 431 | 13 | 3,446.4% | |
| Income per share (Unadj.) | Rs | 393.1 | 11.8 | 3,333.6% | |
| Earnings per share (Unadj.) | Rs | 62.4 | 1.9 | 3,218.7% | |
| Cash flow per share (Unadj.) | Rs | 254.7 | 5.8 | 4,373.8% | |
| Dividends per share (Unadj.) | Rs | 11.30 | 0.48 | 2,354.2% | |
| Avg Dividend yield | % | 2.1 | 1.7 | 126.9% | |
| Book value per share (Unadj.) | Rs | 402.2 | 22.3 | 1,804.2% | |
| Shares outstanding (eoy) | m | 8,924.61 | 6,777.79 | 131.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.3 | 2.4 | 55.7% | |
| Avg P/E ratio | x | 8.5 | 14.8 | 57.6% | |
| Avg P/CF ratio | x | 5.1 | 13.4 | 38.2% | |
| Avg Price/Bookvalue ratio | x | 1.3 | 1.3 | 102.8% | |
| Dividend payout | % | 18.1 | 24.8 | 73.1% | |
| Avg Mkt Cap | Rs m | 4,732,052 | 193,675 | 2,443.3% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 619,209 | 15,444 | 4,009.3% | |
| 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 | 3,508,446 | 79,927 | 4,389.5% | |
| Other income | Rs m | 1,225,336 | 9,400 | 13,036.0% | |
| Interest expense | Rs m | 1,899,808 | 50,194 | 3,785.0% | |
| Net interest income | Rs m | 1,608,638 | 29,734 | 5,410.1% | |
| Operating expense | Rs m | 1,898,145 | 24,634 | 7,705.4% | |
| Gross profit | Rs m | -289,507 | 5,100 | -5,676.8% | |
| Gross profit margin | % | -8.3 | 6.4 | -129.3% | |
| Provisions/contingencies | Rs m | 370,244 | 1,369 | 27,042.9% | |
| Profit before tax | Rs m | 753,983 | 16,198 | 4,654.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -21,017 | 0 | - | |
| Prior Period Items | Rs m | 11,915 | 0 | - | |
| Tax | Rs m | 188,399 | 3,068 | 6,140.4% | |
| Profit after tax | Rs m | 556,482 | 13,130 | 4,238.2% | |
| Net profit margin | % | 15.9 | 16.4 | 96.6% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 32,679,021 | 768,194 | 4,254.0% | |
| Deposits | Rs m | 44,685,355 | 1,096,655 | 4,074.7% | |
| Credit/Deposit ratio | x | 73.1 | 70.0 | 104.4% | |
| Yield on advances | % | 7.0 | 7.2 | 97.7% | |
| Cost of deposits | % | 3.7 | 4.3 | 85.1% | |
| Net Interest Margin | % | 3.1 | 2.4 | 127.0% | |
| Net fixed assets | Rs m | 440,238 | 15,194 | 2,897.4% | |
| Share capital | Rs m | 8,925 | 67,778 | 13.2% | |
| Free reserves | Rs m | 3,580,389 | 83,307 | 4,297.8% | |
| Net worth | Rs m | 3,589,313 | 151,085 | 2,375.7% | |
| Borrowings | Rs m | 5,211,520 | 90,184 | 5,778.8% | |
| Investments | Rs m | 19,131,079 | 448,384 | 4,266.7% | |
| Total assets | Rs m | 59,544,183 | 1,364,545 | 4,363.7% | |
| Debt/equity ratio | x | 13.9 | 7.9 | 177.0% | |
| Return on assets | % | 0.9 | 1.0 | 97.1% | |
| Return on equity | % | 15.5 | 8.7 | 178.4% | |
| Capital adequacy ratio | % | 14.7 | 17.1 | 85.8% | |
| Net NPAs | % | 0.7 | 1.8 | 36.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -860,137 | 14,284 | -6,021.8% | |
| From Investments | Rs m | -40,410 | -882 | 4,583.7% | |
| From Financial Activity | Rs m | 63,864 | -13,317 | -479.6% | |
| Net Cashflow | Rs m | -805,932 | 85 | -948,490.2% | |
Share Holding
| Indian Promoters | % | 57.5 | 98.3 | 58.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 35.1 | 0.7 | 5,235.8% | |
| FIIs | % | 11.1 | 0.0 | 55,450.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 42.5 | 1.8 | 2,426.3% | |
| Shareholders | 3,150,350 | 184,679 | 1,705.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SBI With: HDFC BANK AXIS BANK ICICI BANK KOTAK MAHINDRA BANK PNB
More on SBI vs Punjab & Sind Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
SBI vs Punjab & Sind Bank Share Price Performance
| Period | SBI | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.03% | -0.53% | 0.18% |
| 1-Month | 4.55% | 5.08% | 2.80% |
| 1-Year | 39.53% | 82.95% | 12.23% |
| 3-Year CAGR | 32.00% | 53.37% | 14.67% |
| 5-Year CAGR | 20.41% | 15.93% | 10.37% |
* Compound Annual Growth Rate
Here are more details on the SBI share price and the Punjab & Sind Bank share price.
Moving on to shareholding structures...
The promoters of SBI hold a 57.5% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.
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 Punjab & Sind Bank.
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%.
Punjab & Sind Bank paid Rs 0.5, and its dividend payout ratio stood at 24.8%.
You may visit here to review the dividend history of SBI, and the dividend history of Punjab & Sind Bank.
For a sector overview, read our banking sector report.
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