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- PUNJAB & SIND BANK - BANDHAN BANK
PUNJAB & SIND BANK vs BANDHAN BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | BANDHAN BANK | PUNJAB & SIND BANK/ BANDHAN BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.2 | 9.8 | 480.5% | View Chart |
| P/BV | x | 2.0 | 1.3 | 161.4% | View Chart |
| Dividend Yield | % | 0.4 | 0.9 | 48.2% |
Financials
 PUNJAB & SIND BANK  BANDHAN BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
BANDHAN BANK Mar-24 |
PUNJAB & SIND BANK/ BANDHAN BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 272 | 28.5% | |
| Low | Rs | 25 | 173 | 14.6% | |
| Income per share (Unadj.) | Rs | 14.3 | 117.1 | 12.2% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 13.8 | 6.3% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 27.2 | 18.1% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 1.50 | 13.3% | |
| Avg Dividend yield | % | 0.4 | 0.7 | 57.8% | |
| Book value per share (Unadj.) | Rs | 22.9 | 133.9 | 17.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,610.97 | 420.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 1.9 | 188.9% | |
| Avg P/E ratio | x | 58.5 | 16.1 | 363.4% | |
| Avg P/CF ratio | x | 30.8 | 5.4 | 569.7% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 1.7 | 134.7% | |
| Dividend payout | % | 22.8 | 10.8 | 210.1% | |
| Avg Mkt Cap | Rs m | 348,209 | 358,803 | 97.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 35,429 | 54.9% | |
| 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 | 188,696 | 51.4% | |
| Other income | Rs m | 12,215 | 21,647 | 56.4% | |
| Interest expense | Rs m | 68,529 | 85,440 | 80.2% | |
| Net interest income | Rs m | 28,410 | 103,256 | 27.5% | |
| Operating expense | Rs m | 29,316 | 58,508 | 50.1% | |
| Gross profit | Rs m | -905 | 44,748 | -2.0% | |
| Gross profit margin | % | -0.9 | 23.7 | -3.9% | |
| Provisions/contingencies | Rs m | 5,355 | 44,099 | 12.1% | |
| Profit before tax | Rs m | 9,370 | 29,429 | 31.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,416 | 7,134 | 47.9% | |
| Profit after tax | Rs m | 5,954 | 22,296 | 26.7% | |
| Net profit margin | % | 6.1 | 11.8 | 52.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 1,211,368 | 68.3% | |
| Deposits | Rs m | 1,194,096 | 1,352,020 | 88.3% | |
| Credit/Deposit ratio | x | 69.3 | 89.6 | 77.3% | |
| Yield on advances | % | 8.4 | 13.6 | 61.7% | |
| Cost of deposits | % | 5.3 | 5.4 | 98.6% | |
| Net Interest Margin | % | 2.1 | 6.9 | 31.3% | |
| Net fixed assets | Rs m | 17,558 | 9,591 | 183.1% | |
| Share capital | Rs m | 67,778 | 16,110 | 420.7% | |
| Free reserves | Rs m | 87,556 | 199,545 | 43.9% | |
| Net worth | Rs m | 155,334 | 215,654 | 72.0% | |
| Borrowings | Rs m | 97,709 | 163,715 | 59.7% | |
| Investments | Rs m | 495,992 | 292,876 | 169.4% | |
| Total assets | Rs m | 1,476,565 | 1,778,417 | 83.0% | |
| Debt/equity ratio | x | 8.3 | 7.0 | 118.3% | |
| Return on assets | % | 0.4 | 1.3 | 32.2% | |
| Return on equity | % | 3.8 | 10.3 | 37.1% | |
| Capital adequacy ratio | % | 17.2 | 18.3 | 93.9% | |
| Net NPAs | % | 1.6 | 1.1 | 146.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 148,084 | 11.8% | |
| From Investments | Rs m | -2,286 | 16,910 | -13.5% | |
| From Financial Activity | Rs m | -4,340 | -85,785 | 5.1% | |
| Net Cashflow | Rs m | 10,863 | 79,209 | 13.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 40.0 | 245.7% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 43.1 | 1.5% | |
| FIIs | % | 0.0 | 26.7 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 60.0 | 2.9% | |
| Shareholders | 199,351 | 749,315 | 26.6% | ||
| 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 BANDHAN 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 BANDHAN BANK Share Price Performance
| Period | Punjab & Sind Bank | BANDHAN BANK | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.27% | 2.41% | 1.61% |
| 1-Month | -4.38% | -2.24% | -0.07% |
| 1-Year | 14.59% | -19.89% | 18.92% |
| 3-Year CAGR | 41.73% | -16.97% | 11.26% |
| 5-Year CAGR | 18.63% | -20.22% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the BANDHAN 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 BANDHAN BANK the stake stands at 40.0%.
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 BANDHAN 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%.
BANDHAN BANK paid Rs 1.5, and its dividend payout ratio stood at 10.8%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of BANDHAN BANK.
For a sector overview, read our banking sector report.
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