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

Rs 100 invested in...

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Current Valuations

    SURYODAY SMALL FINANCE BANK PUNJAB & SIND BANK SURYODAY SMALL FINANCE BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x 8.8 44.3 19.9% View Chart
P/BV x 1.1 2.7 40.5% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 SURYODAY SMALL FINANCE BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    SURYODAY SMALL FINANCE BANK
Mar-23
PUNJAB & SIND BANK
Mar-23
SURYODAY SMALL FINANCE BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs15845 353.9%   
Low Rs7713 617.6%   
Income per share (Unadj.) Rs111.511.8 945.5%  
Earnings per share (Unadj.) Rs7.31.9 377.8%  
Cash flow per share (Unadj.) Rs32.75.8 562.4%  
Dividends per share (Unadj.) Rs00.48 0.0%  
Avg Dividend yield %01.7 0.0%  
Book value per share (Unadj.) Rs148.522.3 666.0%  
Shares outstanding (eoy) m106.166,777.79 1.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x1.12.4 43.5%   
Avg P/E ratio x16.114.8 108.9%  
Avg P/CF ratio x3.713.4 27.7%  
Avg Price/Bookvalue ratio x0.81.3 61.8%  
Dividend payout %024.8 0.0%   
Avg Mkt Cap Rs m12,484193,675 6.4%   
No. of employees `000NANA-   
Total wages & salary Rs m2,42415,444 15.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m11,83779,927 14.8%  
Other income Rs m9749,400 10.4%   
Interest expense Rs m4,37150,194 8.7%   
Net interest income Rs m7,46629,734 25.1%  
Operating expense Rs m5,06524,634 20.6%   
Gross profit Rs m2,4005,100 47.1%  
Gross profit margin %20.36.4 317.8%  
Provisions/contingencies Rs m2,5981,369 189.7%   
Profit before tax Rs m1,00916,198 6.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2323,068 7.6%   
Profit after tax Rs m77713,130 5.9%  
Net profit margin %6.616.4 40.0%  
BALANCE SHEET DATA
Advances Rs m60,151768,194 7.8%   
Deposits Rs m51,6671,096,655 4.7%  
Credit/Deposit ratio x116.470.0 166.2%  
Yield on advances %17.07.2 237.9%   
Cost of deposits %5.34.3 123.6%   
Net Interest Margin %8.72.4 355.8%  
Net fixed assets Rs m1,63215,194 10.7%   
Share capital Rs m1,06267,778 1.6%   
Free reserves Rs m14,69883,307 17.6%   
Net worth Rs m15,759151,085 10.4%   
Borrowings Rs m27,65490,184 30.7%   
Investments Rs m25,702448,384 5.7%   
Total assets Rs m98,6121,364,545 7.2%  
Debt/equity ratio x5.07.9 64.1%   
Return on assets %0.81.0 81.9%  
Return on equity %4.98.7 56.7%  
Capital adequacy ratio %33.717.1 197.2%  
Net NPAs %1.61.8 84.2%  
CASH FLOW
From Operations Rs m-97714,284 -6.8%  
From Investments Rs m-2,657-882 301.4%  
From Financial Activity Rs m2,135-13,317 -16.0%  
Net Cashflow Rs m-1,49985 -1,764.5%  

Share Holding

Indian Promoters % 22.4 98.3 22.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 19.9 0.7 3,018.2%  
FIIs % 2.9 0.0 29,100.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 77.6 1.8 4,434.3%  
Shareholders   94,235 156,109 60.4%  
Pledged promoter(s) holding % 22.5 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SURYODAY SMALL FINANCE BANK With:   HDFC BANK    AXIS BANK    ICICI BANK    SBI    KOTAK MAHINDRA BANK    


More on SURYODAY SMALL FINANCE BANK 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:

SURYODAY SMALL FINANCE BANK vs Punjab & Sind Bank Share Price Performance

Period SURYODAY SMALL FINANCE BANK Punjab & Sind Bank S&P BSE BANKEX
1-Day -1.50% 6.26% 0.82%
1-Month -15.71% -4.49% 2.48%
1-Year 74.51% 151.33% 19.28%
3-Year CAGR -15.86% 52.63% 12.00%
5-Year CAGR -10.23% 13.80% 9.40%

* Compound Annual Growth Rate

Here are more details on the SURYODAY SMALL FINANCE BANK share price and the Punjab & Sind Bank share price.

Moving on to shareholding structures...

The promoters of SURYODAY SMALL FINANCE BANK hold a 22.4% 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 SURYODAY SMALL FINANCE BANK and the shareholding pattern of Punjab & Sind Bank.

Finally, a word on dividends...

In the most recent financial year, SURYODAY SMALL FINANCE BANK paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

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 SURYODAY SMALL FINANCE BANK, and the dividend history of Punjab & Sind Bank.

For a sector overview, read our banking sector report.



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