SBI | PUNJAB & SIND BANK | SBI/ PUNJAB & SIND BANK |
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P/E (TTM) | x | 11.2 | 45.9 | 24.4% | View Chart |
P/BV | x | 2.0 | 2.8 | 72.9% | View Chart |
Dividend Yield | % | 1.4 | 0.8 | 179.0% |
SBI PUNJAB & SIND BANK |
EQUITY SHARE DATA | |||||
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SBI Mar-23 |
PUNJAB & SIND BANK Mar-23 |
SBI/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
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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 | |||||
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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 | |||||
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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% |
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 BANDHAN BANK
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | SBI | Punjab & Sind Bank | S&P BSE BANKEX |
---|---|---|---|
1-Day | 5.10% | 1.95% | 0.71% |
1-Month | 9.80% | 7.14% | 4.08% |
1-Year | 44.68% | 88.19% | 13.57% |
3-Year CAGR | 33.13% | 54.22% | 14.40% |
5-Year CAGR | 21.55% | 16.38% | 10.60% |
* 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.
Indian share markets continued the momentum as the session progressed and ended the higher.