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- PUNJAB & SIND BANK - DHANLAXMI BANK
PUNJAB & SIND BANK vs DHANLAXMI BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | DHANLAXMI BANK | PUNJAB & SIND BANK/ DHANLAXMI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | 32.3 | 144.1% | View Chart |
| P/BV | x | 2.0 | 0.8 | 266.7% | View Chart |
| Dividend Yield | % | 0.4 | 0.0 | - |
Financials
 PUNJAB & SIND BANK  DHANLAXMI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
DHANLAXMI BANK Mar-24 |
PUNJAB & SIND BANK/ DHANLAXMI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 59 | 132.0% | |
| Low | Rs | 25 | 15 | 173.5% | |
| Income per share (Unadj.) | Rs | 14.3 | 47.7 | 30.0% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 2.3 | 38.4% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 23.2 | 21.2% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 0 | - | |
| Avg Dividend yield | % | 0.4 | 0 | - | |
| Book value per share (Unadj.) | Rs | 22.9 | 40.7 | 56.3% | |
| Shares outstanding (eoy) | m | 6,777.79 | 253.01 | 2,678.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.8 | 467.9% | |
| Avg P/E ratio | x | 58.5 | 16.0 | 364.9% | |
| Avg P/CF ratio | x | 30.8 | 13.4 | 230.1% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 249.1% | |
| Dividend payout | % | 22.8 | 0 | - | |
| Avg Mkt Cap | Rs m | 348,209 | 9,267 | 3,757.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 3,312 | 587.0% | |
| 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 | 12,070 | 803.2% | |
| Other income | Rs m | 12,215 | 1,526 | 800.6% | |
| Interest expense | Rs m | 68,529 | 7,485 | 915.5% | |
| Net interest income | Rs m | 28,410 | 4,585 | 619.7% | |
| Operating expense | Rs m | 29,316 | 5,418 | 541.1% | |
| Gross profit | Rs m | -905 | -833 | 108.7% | |
| Gross profit margin | % | -0.9 | -6.9 | 13.5% | |
| Provisions/contingencies | Rs m | 5,355 | 114 | 4,681.1% | |
| Profit before tax | Rs m | 9,370 | 578 | 1,620.5% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 5,954 | 578 | 1,029.7% | |
| Net profit margin | % | 6.1 | 4.8 | 128.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 101,022 | 819.0% | |
| Deposits | Rs m | 1,194,096 | 142,903 | 835.6% | |
| Credit/Deposit ratio | x | 69.3 | 70.7 | 98.0% | |
| Yield on advances | % | 8.4 | 9.5 | 88.2% | |
| Cost of deposits | % | 5.3 | 5.1 | 104.1% | |
| Net Interest Margin | % | 2.1 | 3.3 | 65.8% | |
| Net fixed assets | Rs m | 17,558 | 2,665 | 658.8% | |
| Share capital | Rs m | 67,778 | 2,530 | 2,678.8% | |
| Free reserves | Rs m | 87,556 | 7,768 | 1,127.2% | |
| Net worth | Rs m | 155,334 | 10,298 | 1,508.4% | |
| Borrowings | Rs m | 97,709 | 2,990 | 3,267.5% | |
| Investments | Rs m | 495,992 | 39,424 | 1,258.1% | |
| Total assets | Rs m | 1,476,565 | 159,619 | 925.1% | |
| Debt/equity ratio | x | 8.3 | 14.2 | 58.7% | |
| Return on assets | % | 0.4 | 0.4 | 111.3% | |
| Return on equity | % | 3.8 | 5.6 | 68.3% | |
| Capital adequacy ratio | % | 17.2 | 12.7 | 135.0% | |
| Net NPAs | % | 1.6 | 1.3 | 130.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 173 | 10,113.2% | |
| From Investments | Rs m | -2,286 | 1,107 | -206.5% | |
| From Financial Activity | Rs m | -4,340 | NA | - | |
| Net Cashflow | Rs m | 10,863 | 1,280 | 848.7% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 5.0 | 12.9% | |
| FIIs | % | 0.0 | 5.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 199,351 | 185,822 | 107.3% | ||
| 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 Dhanlaxmi 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 Dhanlaxmi Bank Share Price Performance
| Period | Punjab & Sind Bank | Dhanlaxmi Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | -2.25% | -0.42% |
| 1-Month | -11.28% | -16.17% | -2.93% |
| 1-Year | 10.72% | 6.30% | 16.50% |
| 3-Year CAGR | 41.14% | 29.12% | 10.67% |
| 5-Year CAGR | 18.68% | 15.62% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Dhanlaxmi 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 Dhanlaxmi Bank the stake stands at 0.0%.
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 Dhanlaxmi 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%.
Dhanlaxmi 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 Dhanlaxmi Bank.
For a sector overview, read our banking sector report.
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