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- PUNJAB & SIND BANK - HDFC BANK
PUNJAB & SIND BANK vs HDFC BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | HDFC BANK | PUNJAB & SIND BANK/ HDFC BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.9 | 18.6 | 257.6% | View Chart |
| P/BV | x | 2.1 | 2.9 | 71.0% | View Chart |
| Dividend Yield | % | 0.4 | 1.1 | 37.4% |
Financials
 PUNJAB & SIND BANK  HDFC BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
HDFC BANK Mar-24 |
PUNJAB & SIND BANK/ HDFC BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 1,758 | 4.4% | |
| Low | Rs | 25 | 1,363 | 1.9% | |
| Income per share (Unadj.) | Rs | 14.3 | 373.4 | 3.8% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 84.3 | 1.0% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 251.8 | 2.0% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 19.50 | 1.0% | |
| Avg Dividend yield | % | 0.4 | 1.2 | 31.2% | |
| Book value per share (Unadj.) | Rs | 22.9 | 597.3 | 3.8% | |
| Shares outstanding (eoy) | m | 6,777.79 | 7,596.91 | 89.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 4.2 | 85.9% | |
| Avg P/E ratio | x | 58.5 | 18.5 | 316.0% | |
| Avg P/CF ratio | x | 30.8 | 11.8 | 260.2% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 2.6 | 85.8% | |
| Dividend payout | % | 22.8 | 23.1 | 98.5% | |
| Avg Mkt Cap | Rs m | 348,209 | 11,855,929 | 2.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 310,230 | 6.3% | |
| 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 | 2,836,490 | 3.4% | |
| Other income | Rs m | 12,215 | 1,243,458 | 1.0% | |
| Interest expense | Rs m | 68,529 | 1,541,386 | 4.4% | |
| Net interest income | Rs m | 28,410 | 1,295,105 | 2.2% | |
| Operating expense | Rs m | 29,316 | 1,522,693 | 1.9% | |
| Gross profit | Rs m | -905 | -227,589 | 0.4% | |
| Gross profit margin | % | -0.9 | -8.0 | 11.6% | |
| Provisions/contingencies | Rs m | 5,355 | 361,404 | 1.5% | |
| Profit before tax | Rs m | 9,370 | 765,686 | 1.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -13,845 | -0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 3,416 | 111,221 | 3.1% | |
| Profit after tax | Rs m | 5,954 | 640,620 | 0.9% | |
| Net profit margin | % | 6.1 | 22.6 | 27.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 25,658,914 | 3.2% | |
| Deposits | Rs m | 1,194,096 | 23,768,873 | 5.0% | |
| Credit/Deposit ratio | x | 69.3 | 108.0 | 64.2% | |
| Yield on advances | % | 8.4 | 8.5 | 98.9% | |
| Cost of deposits | % | 5.3 | 4.2 | 126.4% | |
| Net Interest Margin | % | 2.1 | 3.6 | 59.2% | |
| Net fixed assets | Rs m | 17,558 | 126,038 | 13.9% | |
| Share capital | Rs m | 67,778 | 7,597 | 892.2% | |
| Free reserves | Rs m | 87,556 | 4,529,828 | 1.9% | |
| Net worth | Rs m | 155,334 | 4,537,425 | 3.4% | |
| Borrowings | Rs m | 97,709 | 7,306,155 | 1.3% | |
| Investments | Rs m | 495,992 | 10,056,816 | 4.9% | |
| Total assets | Rs m | 1,476,565 | 40,301,943 | 3.7% | |
| Debt/equity ratio | x | 8.3 | 6.8 | 121.4% | |
| Return on assets | % | 0.4 | 1.6 | 25.4% | |
| Return on equity | % | 3.8 | 14.1 | 27.1% | |
| Capital adequacy ratio | % | 17.2 | 18.8 | 91.3% | |
| Net NPAs | % | 1.6 | 0.3 | 493.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 190,693 | 9.2% | |
| From Investments | Rs m | -2,286 | 53,138 | -4.3% | |
| From Financial Activity | Rs m | -4,340 | -39,831 | 10.9% | |
| Net Cashflow | Rs m | 10,863 | 316,867 | 3.4% | |
Share Holding
| Indian Promoters | % | 98.3 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 83.3 | 0.8% | |
| FIIs | % | 0.0 | 48.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 100.0 | 1.8% | |
| Shareholders | 199,351 | 3,921,910 | 5.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: AXIS BANK SBI ICICI BANK KOTAK MAHINDRA BANK INDUSIND BANK
More on Punjab & Sind Bank vs HDFC 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 HDFC Bank Share Price Performance
| Period | Punjab & Sind Bank | HDFC Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.04% | 2.21% | 0.39% |
| 1-Month | -8.72% | 0.78% | -2.52% |
| 1-Year | 13.70% | 15.75% | 17.19% |
| 3-Year CAGR | 42.48% | 4.76% | 10.82% |
| 5-Year CAGR | 16.70% | 6.49% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the HDFC 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 HDFC 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 HDFC 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%.
HDFC Bank paid Rs 19.5, and its dividend payout ratio stood at 23.1%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of HDFC Bank.
For a sector overview, read our banking sector report.
Today's Market
![Sensex Today Ends 239 Points Higher | Nifty Above 23,500 | HDFC Bank & Tech Mahindra Top Gainers]()
Sensex Today Ends 239 Points Higher | Nifty Above 23,500 | HDFC Bank & Tech Mahindra Top Gainers(Closing)
On Tuesday, Indian share markets traded on a positive note throughout the session and ended marginally higher.
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