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- PUNJAB & SIND BANK - ALLAHABAD BANK
PUNJAB & SIND BANK vs ALLAHABAD BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | ALLAHABAD BANK | PUNJAB & SIND BANK/ ALLAHABAD BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | -0.4 | - | View Chart |
| P/BV | x | 2.0 | 0.4 | 552.0% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  ALLAHABAD BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
ALLAHABAD BANK Mar-19 |
PUNJAB & SIND BANK/ ALLAHABAD BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 59 | 131.8% | |
| Low | Rs | 25 | 33 | 75.9% | |
| Income per share (Unadj.) | Rs | 14.3 | 80.7 | 17.7% | |
| Earnings per share (Unadj.) | Rs | 0.9 | -40.3 | -2.2% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | -70.6 | -7.0% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 0 | - | |
| Avg Dividend yield | % | 0.4 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.9 | 44.8 | 51.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 2,096.84 | 323.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.6 | 629.6% | |
| Avg P/E ratio | x | 58.5 | -1.1 | -5,125.0% | |
| Avg P/CF ratio | x | 30.8 | 3.6 | 850.5% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 1.0 | 218.2% | |
| Dividend payout | % | 22.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 348,209 | 96,507 | 360.8% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 25,512 | 76.2% | |
| 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 | 96,940 | 169,158 | 57.3% | |
| Other income | Rs m | 12,215 | 20,537 | 59.5% | |
| Interest expense | Rs m | 68,529 | 113,543 | 60.4% | |
| Net interest income | Rs m | 28,410 | 55,615 | 51.1% | |
| Operating expense | Rs m | 29,316 | 47,862 | 61.3% | |
| Gross profit | Rs m | -905 | 7,753 | -11.7% | |
| Gross profit margin | % | -0.9 | 4.6 | -20.4% | |
| Provisions/contingencies | Rs m | 5,355 | 111,233 | 4.8% | |
| Profit before tax | Rs m | 9,370 | -82,943 | -11.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | -1,631 | -0.0% | |
| Tax | Rs m | 3,416 | 0 | - | |
| Profit after tax | Rs m | 5,954 | -84,574 | -7.0% | |
| Net profit margin | % | 6.1 | -50.0 | -12.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 1,422,122 | 58.2% | |
| Deposits | Rs m | 1,194,096 | 2,143,301 | 55.7% | |
| Credit/Deposit ratio | x | 69.3 | 66.4 | 104.4% | |
| Yield on advances | % | 8.4 | 7.9 | 106.8% | |
| Cost of deposits | % | 5.3 | 5.0 | 106.3% | |
| Net Interest Margin | % | 2.1 | 2.5 | 85.9% | |
| Net fixed assets | Rs m | 17,558 | 35,516 | 49.4% | |
| Share capital | Rs m | 67,778 | 20,968 | 323.2% | |
| Free reserves | Rs m | 87,556 | 72,989 | 120.0% | |
| Net worth | Rs m | 155,334 | 93,957 | 165.3% | |
| Borrowings | Rs m | 97,709 | 124,957 | 78.2% | |
| Investments | Rs m | 495,992 | 802,377 | 61.8% | |
| Total assets | Rs m | 1,476,565 | 2,495,767 | 59.2% | |
| Debt/equity ratio | x | 8.3 | 24.1 | 34.4% | |
| Return on assets | % | 0.4 | -3.4 | -11.9% | |
| Return on equity | % | 3.8 | -90.0 | -4.3% | |
| Capital adequacy ratio | % | 17.2 | 12.5 | 137.2% | |
| Net NPAs | % | 1.6 | 5.2 | 31.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -158,251 | -11.1% | |
| From Investments | Rs m | -2,286 | -1,179 | 193.9% | |
| From Financial Activity | Rs m | -4,340 | 87,739 | -4.9% | |
| Net Cashflow | Rs m | 10,863 | -71,691 | -15.2% | |
Share Holding
| Indian Promoters | % | 98.3 | 93.4 | 105.2% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 3.3 | 19.5% | |
| FIIs | % | 0.0 | 0.6 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 6.6 | 26.6% | |
| Shareholders | 199,351 | 234,964 | 84.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK
More on Punjab & Sind Bank vs Allahabad 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 Allahabad Bank Share Price Performance
| Period | Punjab & Sind Bank | Allahabad Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | -1.04% | -0.42% |
| 1-Month | -11.28% | -46.03% | -2.93% |
| 1-Year | 10.72% | -86.41% | 16.50% |
| 3-Year CAGR | 41.14% | -52.64% | 10.67% |
| 5-Year CAGR | 18.68% | -40.82% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Allahabad 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 Allahabad Bank the stake stands at 93.4%.
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 Allahabad Bank.
Finally, a word on dividends...
In the most recent financial year, Punjab & Sind Bank paid a dividend of Rs 0.2 per share. This amounted to a Dividend Payout ratio of 22.8%.
Allahabad 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 Allahabad Bank.
For a sector overview, read our banking sector report.
Today's Market
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On Thursday, Indian share markets traded lower throughout the trading session and ended on a weak note.
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