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- PUNJAB & SIND BANK - KOTAK MAHINDRA BANK
PUNJAB & SIND BANK vs KOTAK MAHINDRA BANK - Comparison Results
Current Valuations
| PUNJAB & SIND BANK | KOTAK MAHINDRA BANK | PUNJAB & SIND BANK/ KOTAK MAHINDRA BANK |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 47.9 | 15.7 | 305.0% | View Chart |
| P/BV | x | 2.1 | 2.6 | 78.8% | View Chart |
| Dividend Yield | % | 0.4 | 0.1 | 361.8% |
Financials
 PUNJAB & SIND BANK  KOTAK MAHINDRA BANK |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PUNJAB & SIND BANK Mar-24 |
KOTAK MAHINDRA BANK Mar-24 |
PUNJAB & SIND BANK/ KOTAK MAHINDRA BANK |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 78 | 2,063 | 3.8% | |
| Low | Rs | 25 | 1,667 | 1.5% | |
| Income per share (Unadj.) | Rs | 14.3 | 282.9 | 5.1% | |
| Earnings per share (Unadj.) | Rs | 0.9 | 91.6 | 1.0% | |
| Cash flow per share (Unadj.) | Rs | 4.9 | 312.4 | 1.6% | |
| Dividends per share (Unadj.) | Rs | 0.20 | 2.00 | 10.0% | |
| Avg Dividend yield | % | 0.4 | 0.1 | 363.0% | |
| Book value per share (Unadj.) | Rs | 22.9 | 653.4 | 3.5% | |
| Shares outstanding (eoy) | m | 6,777.79 | 1,987.92 | 340.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 3.6 | 6.6 | 54.5% | |
| Avg P/E ratio | x | 58.5 | 20.4 | 287.3% | |
| Avg P/CF ratio | x | 30.8 | 14.2 | 216.5% | |
| Avg Price/Bookvalue ratio | x | 2.2 | 2.9 | 78.5% | |
| Dividend payout | % | 22.8 | 2.2 | 1,042.9% | |
| Avg Mkt Cap | Rs m | 348,209 | 3,707,274 | 9.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 19,442 | 103,473 | 18.8% | |
| 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 | 562,366 | 17.2% | |
| Other income | Rs m | 12,215 | 380,373 | 3.2% | |
| Interest expense | Rs m | 68,529 | 225,672 | 30.4% | |
| Net interest income | Rs m | 28,410 | 336,694 | 8.4% | |
| Operating expense | Rs m | 29,316 | 458,708 | 6.4% | |
| Gross profit | Rs m | -905 | -122,014 | 0.7% | |
| Gross profit margin | % | -0.9 | -21.7 | 4.3% | |
| Provisions/contingencies | Rs m | 5,355 | 78,590 | 6.8% | |
| Profit before tax | Rs m | 9,370 | 238,634 | 3.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 0 | - | |
| Prior Period Items | Rs m | 0 | 2,364 | 0.0% | |
| Tax | Rs m | 3,416 | 58,866 | 5.8% | |
| Profit after tax | Rs m | 5,954 | 182,132 | 3.3% | |
| Net profit margin | % | 6.1 | 32.4 | 19.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 827,364 | 4,303,516 | 19.2% | |
| Deposits | Rs m | 1,194,096 | 4,452,688 | 26.8% | |
| Credit/Deposit ratio | x | 69.3 | 96.6 | 71.7% | |
| Yield on advances | % | 8.4 | 9.5 | 88.5% | |
| Cost of deposits | % | 5.3 | 4.1 | 129.1% | |
| Net Interest Margin | % | 2.1 | 5.0 | 43.2% | |
| Net fixed assets | Rs m | 17,558 | 25,625 | 68.5% | |
| Share capital | Rs m | 67,778 | 9,940 | 681.9% | |
| Free reserves | Rs m | 87,556 | 1,288,984 | 6.8% | |
| Net worth | Rs m | 155,334 | 1,298,924 | 12.0% | |
| Borrowings | Rs m | 97,709 | 751,056 | 13.0% | |
| Investments | Rs m | 495,992 | 2,464,457 | 20.1% | |
| Total assets | Rs m | 1,476,565 | 7,676,670 | 19.2% | |
| Debt/equity ratio | x | 8.3 | 4.0 | 207.6% | |
| Return on assets | % | 0.4 | 2.4 | 17.0% | |
| Return on equity | % | 3.8 | 14.0 | 27.3% | |
| Capital adequacy ratio | % | 17.2 | 20.6 | 83.5% | |
| Net NPAs | % | 1.6 | 0.3 | 479.4% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | 17,489 | 156,850 | 11.2% | |
| From Investments | Rs m | -2,286 | -90,969 | 2.5% | |
| From Financial Activity | Rs m | -4,340 | 155,151 | -2.8% | |
| Net Cashflow | Rs m | 10,863 | 222,810 | 4.9% | |
Share Holding
| Indian Promoters | % | 98.3 | 25.9 | 379.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 0.7 | 61.3 | 1.1% | |
| FIIs | % | 0.0 | 31.7 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 1.8 | 74.1 | 2.4% | |
| Shareholders | 199,351 | 739,755 | 26.9% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare PUNJAB & SIND BANK With: HDFC BANK AXIS BANK SBI ICICI BANK INDUSIND BANK
More on Punjab & Sind Bank vs Kotak 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 Kotak Bank Share Price Performance
| Period | Punjab & Sind Bank | Kotak Bank | S&P BSE BANKEX |
|---|---|---|---|
| 1-Day | 0.04% | 0.24% | 0.39% |
| 1-Month | -8.72% | -3.51% | -2.52% |
| 1-Year | 13.70% | -2.48% | 17.19% |
| 3-Year CAGR | 42.48% | -4.11% | 10.82% |
| 5-Year CAGR | 16.70% | 1.24% | 10.27% |
* Compound Annual Growth Rate
Here are more details on the Punjab & Sind Bank share price and the Kotak 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 Kotak Bank the stake stands at 25.9%.
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 Kotak 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%.
Kotak Bank paid Rs 2.0, and its dividend payout ratio stood at 2.2%.
You may visit here to review the dividend history of Punjab & Sind Bank, and the dividend history of Kotak Bank.
For a sector overview, read our banking sector report.
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