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- PUNJAB & SIND BANK - UNION BANK
PUNJAB & SIND BANK vs UNION BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | UNION BANK | PUNJAB & SIND BANK/ UNION BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.2 | 5.8 | 819.8% | View Chart |
| P/BV | x | 2.0 | 0.9 | 228.0% | View Chart |
| Dividend Yield | % | 0.4 | 3.1 | 13.6% |
Financials
 PUNJAB & SIND BANK  UNION BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
UNION BANK Mar-24 |
PUNJAB & SIND BANK/ UNION BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 162 | 47.9% | |
| Low | Rs | 25 | 66 | 38.1% | |
| Income per share (Unadj.) | Rs | 14.3 | 131.5 | 10.9% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 18.1 | 4.9% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 43.9 | 11.2% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 3.60 | 5.6% | |
| Avg Dividend yield | % | 0.4 | 3.2 | 12.3% | |
| Book value per share (Unadj.) | Rs | 22.9 | 127.9 | 17.9% | |
| Shares outstanding (eoy) | m | 6,777.79 | 7,633.61 | 88.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.9 | 414.0% | |
| Avg P/E ratio | x | 58.5 | 6.3 | 926.6% | |
| Avg P/CF ratio | x | 30.8 | 3.1 | 1,004.4% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 251.2% | |
| Dividend payout | % | 22.8 | 19.9 | 114.3% | |
| Avg Mkt Cap | Rs m | 348,209 | 870,804 | 40.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 145,932 | 13.3% | |
| 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 | 1,003,756 | 9.7% | |
| Other income | Rs m | 12,215 | 178,128 | 6.9% | |
| Interest expense | Rs m | 68,529 | 633,637 | 10.8% | |
| Net interest income | Rs m | 28,410 | 370,119 | 7.7% | |
| Operating expense | Rs m | 29,316 | 265,058 | 11.1% | |
| Gross profit | Rs m | -905 | 105,060 | -0.9% | |
| Gross profit margin | % | -0.9 | 10.5 | -8.9% | |
| Provisions/contingencies | Rs m | 5,355 | 146,099 | 3.7% | |
| Profit before tax | Rs m | 9,370 | 215,082 | 4.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 882 | 0.0% | |
| Tax | Rs m | 3,416 | 77,993 | 4.4% | |
| Profit after tax | Rs m | 5,954 | 137,971 | 4.3% | |
| Net profit margin | % | 6.1 | 13.7 | 44.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 8,740,797 | 9.5% | |
| Deposits | Rs m | 1,194,096 | 12,245,934 | 9.8% | |
| Credit/Deposit ratio | x | 69.3 | 71.4 | 97.1% | |
| Yield on advances | % | 8.4 | 8.3 | 101.8% | |
| Cost of deposits | % | 5.3 | 4.8 | 110.4% | |
| Net Interest Margin | % | 2.1 | 3.0 | 70.7% | |
| Net fixed assets | Rs m | 17,558 | 92,239 | 19.0% | |
| Share capital | Rs m | 67,778 | 77,376 | 87.6% | |
| Free reserves | Rs m | 87,556 | 898,600 | 9.7% | |
| Net worth | Rs m | 155,334 | 975,977 | 15.9% | |
| Borrowings | Rs m | 97,709 | 269,743 | 36.2% | |
| Investments | Rs m | 495,992 | 3,439,529 | 14.4% | |
| Total assets | Rs m | 1,476,565 | 14,019,959 | 10.5% | |
| Debt/equity ratio | x | 8.3 | 12.8 | 64.9% | |
| Return on assets | % | 0.4 | 1.0 | 41.0% | |
| Return on equity | % | 3.8 | 14.1 | 27.1% | |
| Capital adequacy ratio | % | 17.2 | 17.0 | 101.1% | |
| Net NPAs | % | 1.6 | 1.0 | 158.3% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 199,297 | 8.8% | |
| From Investments | Rs m | -2,286 | -13,938 | 16.4% | |
| From Financial Activity | Rs m | -4,340 | -114,889 | 3.8% | |
| Net Cashflow | Rs m | 10,863 | 70,470 | 15.4% | |
Share Holding
| Indian Promoters | % | 98.3 | 74.8 | 131.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 18.1 | 3.6% | |
| FIIs | % | 0.0 | 6.9 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 25.2 | 6.9% | |
| Shareholders | 199,351 | 1,019,061 | 19.6% | ||
| 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 Union 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 Union Bank Share Price Performance
| Period | Punjab & Sind Bank | Union Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.27% | -0.13% | 1.61% |
| 1-Month | -4.38% | 5.17% | -0.07% |
| 1-Year | 14.59% | 7.58% | 18.92% |
| 3-Year CAGR | 41.73% | 37.88% | 11.26% |
| 5-Year CAGR | 18.63% | 15.12% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Union 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 Union Bank the stake stands at 74.8%.
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 Union 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%.
Union Bank paid Rs 3.6, and its dividend payout ratio stood at 19.9%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Union Bank.
For a sector overview, read our banking sector report.
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