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- PUNJAB & SIND BANK - VIJAYA BANK
PUNJAB & SIND BANK vs VIJAYA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | VIJAYA BANK | PUNJAB & SIND BANK/ VIJAYA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.2 | 9.5 | 498.4% | View Chart |
| P/BV | x | 2.0 | 0.6 | 362.3% | View Chart |
| Dividend Yield | % | 0.4 | 2.6 | 16.4% |
Financials
 PUNJAB & SIND BANK  VIJAYA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
VIJAYA BANK Mar-18 |
PUNJAB & SIND BANK/ VIJAYA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 97 | 79.6% | |
| Low | Rs | 25 | 51 | 50.0% | |
| Income per share (Unadj.) | Rs | 14.3 | 96.5 | 14.8% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 5.6 | 15.8% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 10.9 | 45.2% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 1.20 | 16.7% | |
| Avg Dividend yield | % | 0.4 | 1.6 | 24.0% | |
| Book value per share (Unadj.) | Rs | 22.9 | 81.5 | 28.1% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,304.15 | 519.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 0.8 | 468.9% | |
| Avg P/E ratio | x | 58.5 | 13.3 | 440.9% | |
| Avg P/CF ratio | x | 30.8 | 3.1 | 989.0% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 0.9 | 247.0% | |
| Dividend payout | % | 22.8 | 21.5 | 105.8% | |
| Avg Mkt Cap | Rs m | 348,209 | 96,442 | 361.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 16,074 | 121.0% | |
| 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 | 125,898 | 77.0% | |
| Other income | Rs m | 12,215 | 16,006 | 76.3% | |
| Interest expense | Rs m | 68,529 | 82,870 | 82.7% | |
| Net interest income | Rs m | 28,410 | 43,029 | 66.0% | |
| Operating expense | Rs m | 29,316 | 28,057 | 104.5% | |
| Gross profit | Rs m | -905 | 14,972 | -6.0% | |
| Gross profit margin | % | -0.9 | 11.9 | -7.9% | |
| Provisions/contingencies | Rs m | 5,355 | 23,708 | 22.6% | |
| Profit before tax | Rs m | 9,370 | 9,832 | 95.3% | |
| 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 | 2,562 | 133.3% | |
| Profit after tax | Rs m | 5,954 | 7,270 | 81.9% | |
| Net profit margin | % | 6.1 | 5.8 | 106.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 1,161,654 | 71.2% | |
| Deposits | Rs m | 1,194,096 | 1,572,875 | 75.9% | |
| Credit/Deposit ratio | x | 69.3 | 73.9 | 93.8% | |
| Yield on advances | % | 8.4 | 7.8 | 108.1% | |
| Cost of deposits | % | 5.3 | 4.8 | 109.2% | |
| Net Interest Margin | % | 2.1 | 2.8 | 77.7% | |
| Net fixed assets | Rs m | 17,558 | 13,005 | 135.0% | |
| Share capital | Rs m | 67,778 | 13,041 | 519.7% | |
| Free reserves | Rs m | 87,556 | 93,231 | 93.9% | |
| Net worth | Rs m | 155,334 | 106,272 | 146.2% | |
| Borrowings | Rs m | 97,709 | 72,998 | 133.9% | |
| Investments | Rs m | 495,992 | 395,117 | 125.5% | |
| Total assets | Rs m | 1,476,565 | 1,776,320 | 83.1% | |
| Debt/equity ratio | x | 8.3 | 15.5 | 53.7% | |
| Return on assets | % | 0.4 | 0.4 | 98.5% | |
| Return on equity | % | 3.8 | 6.8 | 56.0% | |
| Capital adequacy ratio | % | 17.2 | 13.3 | 128.8% | |
| Net NPAs | % | 1.6 | 4.3 | 37.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | -17,829 | -98.1% | |
| From Investments | Rs m | -2,286 | -1,237 | 184.8% | |
| From Financial Activity | Rs m | -4,340 | 9,462 | -45.9% | |
| Net Cashflow | Rs m | 10,863 | -9,605 | -113.1% | |
Share Holding
| Indian Promoters | % | 98.3 | 68.8 | 142.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 19.2 | 3.4% | |
| FIIs | % | 0.0 | 4.6 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 31.2 | 5.6% | |
| Shareholders | 199,351 | 251,490 | 79.3% | ||
| 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 Vijaya 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 Vijaya Bank Share Price Performance
| Period | Punjab & Sind Bank | Vijaya Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 1.27% | 2.67% | 1.61% |
| 1-Month | -4.38% | 8.22% | -0.07% |
| 1-Year | 14.59% | -13.18% | 18.92% |
| 3-Year CAGR | 41.73% | 12.65% | 11.26% |
| 5-Year CAGR | 18.63% | 4.50% | 10.62% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Vijaya 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 Vijaya Bank the stake stands at 68.8%.
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 Vijaya 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%.
Vijaya Bank paid Rs 1.2, and its dividend payout ratio stood at 21.5%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Vijaya Bank.
For a sector overview, read our banking sector report.
Today's Market
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After opening the day higher, Indian benchmark indices remained positive as the session progressed and ended the day on firm footing.
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