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- PUNJAB & SIND BANK - SBI
PUNJAB & SIND BANK vs SBI - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | SBI | PUNJAB & SIND BANK/ SBI |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.2 | 10.0 | 472.5% | View Chart |
| P/BV | x | 2.0 | 1.8 | 116.8% | View Chart |
| Dividend Yield | % | 0.4 | 1.7 | 25.4% |
Financials
 PUNJAB & SIND BANK  SBI |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
SBI Mar-24 |
PUNJAB & SIND BANK/ SBI |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 794 | 9.8% | |
| Low | Rs | 25 | 519 | 4.9% | |
| Income per share (Unadj.) | Rs | 14.3 | 492.1 | 2.9% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 75.2 | 1.2% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 330.8 | 1.5% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 13.70 | 1.5% | |
| Avg Dividend yield | % | 0.4 | 2.1 | 18.6% | |
| Book value per share (Unadj.) | Rs | 22.9 | 464.9 | 4.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 8,924.61 | 75.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 1.3 | 269.4% | |
| Avg P/E ratio | x | 58.5 | 8.7 | 669.9% | |
| Avg P/CF ratio | x | 30.8 | 6.0 | 514.6% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 1.4 | 158.8% | |
| Dividend payout | % | 22.8 | 18.2 | 124.9% | |
| Avg Mkt Cap | Rs m | 348,209 | 5,856,777 | 5.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 836,712 | 2.3% | |
| 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 | 4,391,885 | 2.2% | |
| Other income | Rs m | 12,215 | 1,553,864 | 0.8% | |
| Interest expense | Rs m | 68,529 | 2,597,360 | 2.6% | |
| Net interest income | Rs m | 28,410 | 1,794,525 | 1.6% | |
| Operating expense | Rs m | 29,316 | 2,358,938 | 1.2% | |
| Gross profit | Rs m | -905 | -564,414 | 0.2% | |
| Gross profit margin | % | -0.9 | -12.9 | 7.3% | |
| Provisions/contingencies | Rs m | 5,355 | 308,068 | 1.7% | |
| Profit before tax | Rs m | 9,370 | 912,302 | 1.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -24,587 | -0.0% | |
| Prior Period Items | Rs m | 0 | 14,052 | 0.0% | |
| Tax | Rs m | 3,416 | 230,920 | 1.5% | |
| Profit after tax | Rs m | 5,954 | 670,847 | 0.9% | |
| Net profit margin | % | 6.1 | 15.3 | 40.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 37,842,727 | 2.2% | |
| Deposits | Rs m | 1,194,096 | 49,665,375 | 2.4% | |
| Credit/Deposit ratio | x | 69.3 | 76.2 | 90.9% | |
| Yield on advances | % | 8.4 | 7.9 | 106.9% | |
| Cost of deposits | % | 5.3 | 4.5 | 117.6% | |
| Net Interest Margin | % | 2.1 | 3.0 | 70.5% | |
| Net fixed assets | Rs m | 17,558 | 441,373 | 4.0% | |
| Share capital | Rs m | 67,778 | 8,925 | 759.4% | |
| Free reserves | Rs m | 87,556 | 4,140,467 | 2.1% | |
| Net worth | Rs m | 155,334 | 4,149,392 | 3.7% | |
| Borrowings | Rs m | 97,709 | 6,396,095 | 1.5% | |
| Investments | Rs m | 495,992 | 21,105,482 | 2.4% | |
| Total assets | Rs m | 1,476,565 | 67,337,788 | 2.2% | |
| Debt/equity ratio | x | 8.3 | 13.5 | 61.6% | |
| Return on assets | % | 0.4 | 1.0 | 40.5% | |
| Return on equity | % | 3.8 | 16.2 | 23.7% | |
| Capital adequacy ratio | % | 17.2 | 14.3 | 120.2% | |
| Net NPAs | % | 1.6 | 0.6 | 286.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 216,324 | 8.1% | |
| From Investments | Rs m | -2,286 | -42,517 | 5.4% | |
| From Financial Activity | Rs m | -4,340 | -98,963 | 4.4% | |
| Net Cashflow | Rs m | 10,863 | 82,604 | 13.2% | |
Share Holding
| Indian Promoters | % | 98.3 | 57.5 | 170.8% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 34.8 | 1.9% | |
| FIIs | % | 0.0 | 10.7 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 42.5 | 4.1% | |
| Shareholders | 199,351 | 3,791,512 | 5.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK ICICI BANK KOTAK MAHINDRA BANK PNB
More on Punjab & Sind Bank vs SBI
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 SBI Share Price Performance
| Period | Punjab & Sind Bank | SBI | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.27% | 4.51% | 1.61% |
| 1-Month | -4.38% | 3.24% | -0.07% |
| 1-Year | 14.59% | 45.96% | 18.92% |
| 3-Year CAGR | 41.73% | 18.82% | 11.26% |
| 5-Year CAGR | 18.63% | 19.91% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the SBI share price.
Moving on to shareholding structures...
The promoters of Punjab & Sind Bank hold a 98.3% stake in the company. In case of SBI the stake stands at 57.5%.
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 SBI.
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%.
SBI paid Rs 13.7, and its dividend payout ratio stood at 18.2%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of SBI.
For a sector overview, read our banking sector report.
Today's Market
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