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- Indian - banking
- SBI - PUNJAB & SIND BANK
SBI vs PUNJAB & SIND BANK - Comparison Results
Current Valuations
| SBI | PUNJAB & SIND BANK | SBI/ PUNJAB & SIND BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.6 | 46.6 | 20.5% | View Chart |
| P/BV | x | 1.7 | 2.0 | 83.0% | View Chart |
| Dividend Yield | % | 1.8 | 0.4 | 407.0% |
Financials
 SBI  PUNJAB & SIND BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| SBI Mar-24 |
PUNJAB & SIND BANK Mar-24 |
SBI/ PUNJAB & SIND BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 794 | 78 | 1,023.9% | |
| Low | Rs | 519 | 25 | 2,055.4% | |
| Income per share (Unadj.) | Rs | 492.1 | 14.3 | 3,440.7% | |
| Earnings per share (Unadj.) | Rs | 75.2 | 0.9 | 8,556.6% | |
| Cash flow per share (Unadj.) | Rs | 330.8 | 4.9 | 6,727.7% | |
| Dividends per share (Unadj.) | Rs | 13.70 | 0.20 | 6,850.0% | |
| Avg Dividend yield | % | 2.1 | 0.4 | 536.3% | |
| Book value per share (Unadj.) | Rs | 464.9 | 22.9 | 2,028.7% | |
| Shares outstanding (eoy) | m | 8,924.61 | 6,777.79 | 131.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.3 | 3.6 | 37.1% | |
| Avg P/E ratio | x | 8.7 | 58.5 | 14.9% | |
| Avg P/CF ratio | x | 6.0 | 30.8 | 19.4% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 2.2 | 63.0% | |
| Dividend payout | % | 18.2 | 22.8 | 80.1% | |
| Avg Mkt Cap | Rs m | 5,856,777 | 348,209 | 1,682.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 836,712 | 19,442 | 4,303.6% | |
| 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 | 4,391,885 | 96,940 | 4,530.5% | |
| Other income | Rs m | 1,553,864 | 12,215 | 12,721.3% | |
| Interest expense | Rs m | 2,597,360 | 68,529 | 3,790.1% | |
| Net interest income | Rs m | 1,794,525 | 28,410 | 6,316.4% | |
| Operating expense | Rs m | 2,358,938 | 29,316 | 8,046.7% | |
| Gross profit | Rs m | -564,414 | -905 | 62,344.1% | |
| Gross profit margin | % | -12.9 | -0.9 | 1,376.1% | |
| Provisions/contingencies | Rs m | 308,068 | 5,355 | 5,752.7% | |
| Profit before tax | Rs m | 912,302 | 9,370 | 9,736.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -24,587 | 0 | - | |
| Prior Period Items | Rs m | 14,052 | 0 | - | |
| Tax | Rs m | 230,920 | 3,416 | 6,760.7% | |
| Profit after tax | Rs m | 670,847 | 5,954 | 11,266.8% | |
| Net profit margin | % | 15.3 | 6.1 | 248.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 37,842,727 | 827,364 | 4,573.9% | |
| Deposits | Rs m | 49,665,375 | 1,194,096 | 4,159.2% | |
| Credit/Deposit ratio | x | 76.2 | 69.3 | 110.0% | |
| Yield on advances | % | 7.9 | 8.4 | 93.5% | |
| Cost of deposits | % | 4.5 | 5.3 | 85.1% | |
| Net Interest Margin | % | 3.0 | 2.1 | 141.8% | |
| Net fixed assets | Rs m | 441,373 | 17,558 | 2,513.8% | |
| Share capital | Rs m | 8,925 | 67,778 | 13.2% | |
| Free reserves | Rs m | 4,140,467 | 87,556 | 4,728.9% | |
| Net worth | Rs m | 4,149,392 | 155,334 | 2,671.3% | |
| Borrowings | Rs m | 6,396,095 | 97,709 | 6,546.1% | |
| Investments | Rs m | 21,105,482 | 495,992 | 4,255.2% | |
| Total assets | Rs m | 67,337,788 | 1,476,565 | 4,560.4% | |
| Debt/equity ratio | x | 13.5 | 8.3 | 162.5% | |
| Return on assets | % | 1.0 | 0.4 | 247.1% | |
| Return on equity | % | 16.2 | 3.8 | 421.8% | |
| Capital adequacy ratio | % | 14.3 | 17.2 | 83.2% | |
| Net NPAs | % | 0.6 | 1.6 | 35.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 216,324 | 17,489 | 1,236.9% | |
| From Investments | Rs m | -42,517 | -2,286 | 1,859.6% | |
| From Financial Activity | Rs m | -98,963 | -4,340 | 2,280.5% | |
| Net Cashflow | Rs m | 82,604 | 10,863 | 760.4% | |
Share Holding
| Indian Promoters | % | 57.5 | 98.3 | 58.5% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 34.8 | 0.7 | 5,356.9% | |
| FIIs | % | 10.7 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 42.5 | 1.8 | 2,428.0% | |
| Shareholders | 3,791,512 | 199,351 | 1,901.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare SBI With: HDFC BANK AXIS BANK ICICI BANK KOTAK MAHINDRA BANK PNB
More on SBI vs Punjab & Sind Bank
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
SBI vs Punjab & Sind Bank Share Price Performance
| Period | SBI | Punjab & Sind Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | -2.64% | -2.81% | -0.42% |
| 1-Month | -4.09% | -11.28% | -2.93% |
| 1-Year | 39.09% | 10.72% | 16.50% |
| 3-Year CAGR | 17.09% | 41.14% | 10.67% |
| 5-Year CAGR | 18.70% | 18.68% | 10.10% |
* Compound Annual Growth Rate
Here are more details on the SBI share price and the Punjab & Sind Bank share price.
Moving on to shareholding structures...
The promoters of SBI hold a 57.5% stake in the company. In case of Punjab & Sind Bank the stake stands at 98.3%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of SBI and the shareholding pattern of Punjab & Sind Bank.
Finally, a word on dividends...
In the most recent financial year, SBI paid a dividend of Rs 13.7 per share. This amounted to a Dividend Payout ratio of 18.2%.
Punjab & Sind Bank paid Rs 0.2, and its dividend payout ratio stood at 22.8%.
You may visit here to review the dividend history of SBI, and the dividend history of Punjab & Sind Bank.
For a sector overview, read our banking sector report.
Today's Market
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On Thursday, Indian share markets traded lower throughout the trading session and ended on a weak note.
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