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- PUNJAB & SIND BANK - ICICI BANK
PUNJAB & SIND BANK vs ICICI BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | ICICI BANK | PUNJAB & SIND BANK/ ICICI BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 46.6 | 17.8 | 261.5% | View Chart |
| P/BV | x | 2.0 | 3.5 | 58.5% | View Chart |
| Dividend Yield | % | 0.4 | 0.8 | 53.9% |
Financials
 PUNJAB & SIND BANK  ICICI BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
ICICI BANK Mar-24 |
PUNJAB & SIND BANK/ ICICI BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 1,113 | 7.0% | |
| Low | Rs | 25 | 864 | 2.9% | |
| Income per share (Unadj.) | Rs | 14.3 | 227.2 | 6.3% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 63.0 | 1.4% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 197.0 | 2.5% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 10.00 | 2.0% | |
| Avg Dividend yield | % | 0.4 | 1.0 | 38.5% | |
| Book value per share (Unadj.) | Rs | 22.9 | 362.8 | 6.3% | |
| Shares outstanding (eoy) | m | 6,777.79 | 7,022.34 | 96.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 4.4 | 82.5% | |
| Avg P/E ratio | x | 58.5 | 15.7 | 372.7% | |
| Avg P/CF ratio | x | 30.8 | 11.0 | 281.1% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 2.7 | 82.2% | |
| Dividend payout | % | 22.8 | 15.9 | 143.5% | |
| Avg Mkt Cap | Rs m | 348,209 | 6,944,388 | 5.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 191,720 | 10.1% | |
| 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 | 1,595,159 | 6.1% | |
| Other income | Rs m | 12,215 | 765,218 | 1.6% | |
| Interest expense | Rs m | 68,529 | 741,082 | 9.2% | |
| Net interest income | Rs m | 28,410 | 854,078 | 3.3% | |
| Operating expense | Rs m | 29,316 | 977,828 | 3.0% | |
| Gross profit | Rs m | -905 | -123,750 | 0.7% | |
| Gross profit margin | % | -0.9 | -7.8 | 12.0% | |
| Provisions/contingencies | Rs m | 5,355 | 191,400 | 2.8% | |
| Profit before tax | Rs m | 9,370 | 604,344 | 1.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -18,241 | -0.0% | |
| Prior Period Items | Rs m | 0 | 10,738 | 0.0% | |
| Tax | Rs m | 3,416 | 154,276 | 2.2% | |
| Profit after tax | Rs m | 5,954 | 442,564 | 1.3% | |
| Net profit margin | % | 6.1 | 27.7 | 22.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 12,607,762 | 6.6% | |
| Deposits | Rs m | 1,194,096 | 14,435,800 | 8.3% | |
| Credit/Deposit ratio | x | 69.3 | 87.3 | 79.3% | |
| Yield on advances | % | 8.4 | 9.2 | 90.9% | |
| Cost of deposits | % | 5.3 | 4.1 | 129.8% | |
| Net Interest Margin | % | 2.1 | 4.1 | 52.5% | |
| Net fixed assets | Rs m | 17,558 | 132,403 | 13.3% | |
| Share capital | Rs m | 67,778 | 14,047 | 482.5% | |
| Free reserves | Rs m | 87,556 | 2,533,338 | 3.5% | |
| Net worth | Rs m | 155,334 | 2,547,385 | 6.1% | |
| Borrowings | Rs m | 97,709 | 2,074,280 | 4.7% | |
| Investments | Rs m | 495,992 | 8,271,625 | 6.0% | |
| Total assets | Rs m | 1,476,565 | 23,640,630 | 6.2% | |
| Debt/equity ratio | x | 8.3 | 6.5 | 128.3% | |
| Return on assets | % | 0.4 | 1.9 | 21.5% | |
| Return on equity | % | 3.8 | 17.4 | 22.1% | |
| Capital adequacy ratio | % | 17.2 | 16.3 | 105.1% | |
| Net NPAs | % | 1.6 | 0.5 | 362.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 1,572,845 | 1.1% | |
| From Investments | Rs m | -2,286 | -1,459,311 | 0.2% | |
| From Financial Activity | Rs m | -4,340 | 137,645 | -3.2% | |
| Net Cashflow | Rs m | 10,863 | 263,124 | 4.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 90.4 | 0.7% | |
| FIIs | % | 0.0 | 46.2 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 199,351 | 1,812,907 | 11.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI KOTAK MAHINDRA BANK PNB
More on Punjab & Sind Bank vs ICICI 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 ICICI Bank Share Price Performance
| Period | Punjab & Sind Bank | ICICI Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.81% | 0.11% | -0.42% |
| 1-Month | -11.28% | -0.73% | -2.93% |
| 1-Year | 10.72% | 34.96% | 16.50% |
| 3-Year CAGR | 41.14% | 18.41% | 10.67% |
| 5-Year CAGR | 18.68% | 20.20% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the ICICI 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 ICICI 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 ICICI 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%.
ICICI Bank paid Rs 10.0, and its dividend payout ratio stood at 15.9%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of ICICI Bank.
For a sector overview, read our banking sector report.
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