Punjab & Sind Bank, 533295, PSB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

33,034.93
48.96
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

35,493.32
0.41%
3.14

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

7.54
-34.83
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

17.24
-
-16.94

PAT CAGR (%)

10 Years
5 Years
3 Years

1.36
1.88

P:E (Median)

8 Years
5 Years
3 Years

-
9.73
18.46

P:BV (Average)

8 Years
5 Years
3 Years

1.36
1.36
1.88

EV:EBITDA (Average)

8 Years
5 Years
3 Years

6.58
10.45
18.24

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 2,738.95 2,405.89 13.84% 2,652.27 2,315.79 14.53% 2,481.27 2,104.94 17.88% 2,491.03 2,107.44 18.20%
Interest Exp. 1,866.10 1,731.01 7.80% 1,802.24 1,578.23 14.19% 1,791.95 1,421.16 26.09% 1,751.75 1,302.44 34.50%
Net Interest Income 872.85 674.88 29.33% 850.03 737.56 15.25% 689.32 683.78 0.81% 739.28 805.00 -8.16%
NIM 2.71 2.32 16.81% 2.69 2.63 2.28% 2.32 2.53 -8.30% 2.54 3.12 -18.59%
Other Income 358.91 268.26 33.79% 193.75 178.58 8.49% 412.95 547.04 -24.51% 361.68 137.63 162.79%
Total Income 3,097.86 2,674.15 15.84% 2,846.02 2,494.37 14.10% 2,894.22 2,651.98 9.13% 2,852.71 2,245.07 27.07%
Operating Exp. 773.81 682.88 13.32% 727.18 658.80 10.38% 765.92 694.81 10.23% 823.97 598.30 37.72%
Operating Profit 457.95 260.26 75.96% 316.60 257.34 23.03% 336.35 536.01 -37.25% 276.99 344.33 -19.56%
Provision 150.64 -34.99 - 103.38 23.10 347.53% 109.56 -57.12 - 96.29 -207.46 -
PBT 307.31 295.25 4.08% 213.22 234.24 -8.97% 226.79 593.13 -61.76% 180.70 551.79 -67.25%
PBTM 11.22 12.27 -8.56% 8.04 10.11 -20.47% 9.14 28.18 -67.57% 7.25 26.18 -72.31%
TAX 67.72 106.16 -36.21% 31.72 81.57 -61.11% 87.44 136.14 -35.77% 66.39 178.55 -62.82%
PAT 239.59 189.09 26.71% 181.50 152.67 18.88% 139.35 456.99 -69.51% 114.31 373.24 -69.37%
PATM 8.75% 7.86% 6.84% 6.59% 5.62% 21.71% 4.59% 17.71%
EPS 0.35 0.28 25.00% 0.27 0.23 17.39% 0.21 0.67 -68.66% 0.17 0.55 -69.09%
Gross NPA 3,835.42 5,106.41 -24.89% 4,144.93 5,464.16 -24.14% 4,665.35 5,648.21 -17.40% 4,759.23 6,499.91 -26.78%
Gross NPA% 4.21 6.23 -32.42% 4.72 6.80 -30.59% 5.43 6.97 -22.09% 5.70 8.36 -31.82%
Net NPA 1,293.94 1,473.26 -12.17% 1,350.25 1,488.97 -9.32% 1,350.46 1,411.50 -4.32% 1,443.77 1,469.14 -1.73%
Net NPA% 1.46 1.88 -22.34% 1.59 1.95 -18.46% 1.63 1.84 -11.41% 1.80 2.02 -10.89%
CASA 30.43 31.19 -2.44% 31.62 31.69 -0.22% 32.42 33.59 -3.48% 32.77 33.30 -1.59%

Description Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Interest Income 3,151.48 2,841.05 2,973.38 2,651.31 2,261.91 2,057.55 2,279.70 2,235.19 2,159.33 2,175.79 1,679.20 Interest Earned 10,363.52 9,693.98 7,992.73 7,095.81 6,973.91 7,929.53 8,558.67 7,948.75 8,172.87 8,744.34 8,588.55 Interest Expended 7,212.04 6,852.93 5,019.35 4,444.50 4,712.00 5,871.98 6,278.97 5,713.56 6,013.54 6,568.55 6,909.35 Int. income Growth 8.63% -4.45% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% -0.76% 29.57% Other Income 1,327.29 1,221.47 939.96 959.38 903.61 897.40 828.28 581.20 578.10 478.49 428.75 Total Income 11,690.81 4,062.52 3,913.34 3,610.69 3,165.52 2,954.95 3,107.98 2,816.39 2,737.43 2,654.28 2,107.95 Total Expenditure 3,090.88 2,975.45 2,145.16 2,286.91 6,467.64 4,423.39 3,894.24 3,589.73 2,642.63 1,938.43 1,770.64 Employee Cost - 1,944.20 1,544.42 1,478.56 1,688.07 1,211.09 1,175.81 1,123.00 990.14 894.03 874.33 % Of Sales - 20.06% 19.32% 20.84% 24.21% 15.27% 13.74% 14.13% 12.11% 10.22% 10.18% Opt. & Establishment Exp. - 1,137.45 1,067.31 939.12 807.56 700.85 520.59 612.79 547.88 536.09 504.21 % Of Sales - 11.73% 13.35% 13.23% 11.58% 8.84% 6.08% 7.71% 6.70% 6.13% 5.87% Provisions - 193.96 -169.91 143.41 4,176.27 2,619.27 2,168.40 1,982.16 1,189.53 599.79 484.18 % Of Sales - 2.00% -2.13% 2.02% 59.88% 33.03% 25.34% 24.94% 14.55% 6.86% 5.64% EBITDA 1,387.89 1,087.07 1,768.18 1,323.78 -3,302.12 -1,468.44 -786.26 -773.34 94.80 715.85 337.31 EBITDA Margin 70.18% 38.26% 59.47% 49.93% -145.99% -71.37% -34.49% -34.60% 4.39% 32.90% 20.09% Depreciation 0.00 150.08 148.33 137.09 102.13 53.91 -14.72 64.11 42.46 45.74 46.04 PBT 928.02 936.98 1,619.85 1,186.68 -3,404.24 -1,522.36 -771.54 -837.45 52.34 670.10 291.27 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 253.27 341.56 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 334.13 169.92 Tax Rate 27.29% 36.45% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% 49.86% 58.34% PAT 674.75 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 PAT before Minority Interest 674.75 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 15.07% 14.66% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% 12.66% 5.76% PAT Growth -42.43% -54.65% 26.37% 0 0 0 0 -469.90% -40.15% 176.86% EPS 1.00 0.88 1.94 1.53 -4.03 -1.46 -0.80 -1.10 0.30 0.50 0.18

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 15,533.43 15,108.51 14,010.59 8,363.01 5,596.40 5,701.40 6,182.69 6,142.47 5,970.22 5,596.18 Share Capital 6,777.79 6,777.79 6,777.79 4,052.67 701.05 564.91 564.91 400.41 400.41 400.41 Total Reserves 8,755.64 8,330.72 7,232.80 4,310.35 4,895.34 5,136.49 5,617.77 5,742.06 5,569.81 5,195.76 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,19,409.55 1,09,665.49 1,02,137.01 96,108.18 89,667.55 98,557.60 1,01,726.17 85,540.16 91,249.96 86,714.72 Borrowings 9,770.86 9,018.38 2,443.63 2,643.55 3,213.05 2,714.00 3,682.98 2,958.44 2,839.01 3,048.23 Other Liabilities & Provisions 2,942.69 2,662.14 2,476.31 3,367.14 2,026.81 2,009.04 2,167.41 2,002.37 2,522.22 2,394.28 Total Liabilities 1,47,656.53 1,36,454.52 1,21,067.54 1,10,481.88 1,00,503.81 1,08,982.04 1,13,759.25 96,643.44 1,02,581.41 97,753.41 Net Block 1,755.78 1,519.42 1,577.44 1,584.91 1,240.83 1,230.38 1,082.60 1,095.43 1,133.44 994.83 Gross Block 2,658.15 2,279.53 2,208.94 2,099.05 1,662.76 1,603.92 1,525.62 1,477.43 1,448.37 1,321.58 Accumulated Depreciation 902.37 760.11 631.50 514.14 421.93 373.53 443.02 382.00 314.93 326.75 Total Non-Current Assets 1,41,474.33 1,29,473.99 1,13,773.10 1,02,888.83 93,783.09 1,03,197.06 1,07,766.50 91,968.24 97,597.12 93,091.08 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash and balance with RBI 7,312.46 6,225.40 6,139.24 7,208.52 9,488.40 4,941.08 6,256.38 4,364.68 3,822.56 3,756.11 Balance with banks and money at call 70.55 71.32 148.99 1,130.93 89.85 1,677.14 876.31 225.10 1,080.01 463.40 Investments 49,599.16 44,838.42 42,280.87 32,022.77 24,552.10 26,172.93 32,981.76 27,948.50 27,645.04 24,006.56 Advances 82,736.38 76,819.43 63,626.56 60,941.70 58,411.91 69,175.53 66,569.45 58,334.53 63,916.07 63,870.18 Other Assets 6,182.20 6,980.52 7,294.44 7,593.05 6,720.72 5,784.98 5,992.75 4,675.20 4,984.30 4,662.33 Total Assets 1,47,656.53 1,36,454.51 1,21,067.54 1,10,481.88 1,00,503.81 1,08,982.04 1,13,759.25 96,643.44 1,02,581.42 97,753.41 Contingent Liabilities 6,659.68 7,645.40 9,912.30 6,299.87 5,389.93 7,262.52 6,179.40 9,729.68 14,924.46 14,421.56 Bills for collection 969.44 955.93 899.88 845.40 899.09 764.70 594.61 597.07 1,106.07 768.73 Adjusted Book Value 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57 120.17

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 1,748.88 1,428.36 -5,998.57 -5,847.68 2,209.92 -97.34 1,063.31 -495.22 929.54 -1,981.62 PBT 595.42 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 Adjustment 791.25 399.68 659.68 3,851.49 2,375.25 2,171.88 2,205.74 1,217.54 1,079.86 849.24 Adjustments for Liabilities & Assets 704.68 -134.95 -8,551.26 -6,742.69 1,187.93 -1,504.20 -159.46 -2,250.40 -486.29 -2,952.21 Refund/(Payment) of direct taxes -342.47 -149.40 853.95 -223.58 -362.47 -221.53 -239.18 336.55 0.00 0.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -228.63 -88.16 -120.79 -446.23 -63.39 -61.07 -51.39 -33.47 -37.89 -84.49 Net Fixed Assets -378.62 -70.59 -109.89 -436.29 -58.84 -78.30 -48.19 -29.06 -126.79 -80.18 Other Investment Activity -2746.31 -2400.32 -2655.17 -2162.44 -1723.83 -1655.31 -1559.09 -1515.32 -1532.86 -1379.60 Cash from Financing Activity -433.96 -1,331.70 4,068.14 5,055.10 813.50 -356.06 1,531.00 215.90 -208.59 -39.22 Closing Cash & Equivalent 7,383.01 6,296.72 6,288.22 8,339.45 9,578.25 6,618.22 7,132.69 4,589.78 4,902.57 4,219.51 Net Cash Inflow / Outflow 1,086.29 8.50 -2,051.22 -1,238.81 2,960.03 -514.47 2,542.92 -312.79 683.06 -2,105.33 Opening Cash & Equivalents 6,296.72 6,288.22 8,339.45 9,578.25 6,618.22 7,132.69 4,589.78 4,902.57 4,219.51 6,324.84

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value 21.34 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57 120.17 NIM 2.03 2.32 2.36 2.23 2.22 2.24 2.10 2.38 2.26 1.82 Yield on Advances 11.72 10.40 11.15 11.44 13.58 12.37 11.94 14.01 13.68 13.45 Yield on Investments 5.56 5.49 5.74 7.15 9.76 10.15 8.22 9.01 7.37 8.92 Cost of Liabilities 5.30 4.23 4.25 4.77 6.32 6.20 5.42 6.80 6.98 7.70 Interest Spread 6.41 6.18 6.90 6.67 7.25 6.17 6.52 7.22 6.70 5.75 ROCE 5.98% 9.47% 10.37% -31.74% -14.64% -5.29% -5.65% 2.73% 10.61% 6.32% Cost Income Ratio 72.16 62.95 63.16 75.61 62.88 55.06 59.36 54.63 52.16 63.21 Core Cost Income Ratio 72.36 62.72 68.28 87.05 72.86 62.23 65.38 60.42 55.06 67.49 Operating Costs to Assets 1.99 1.81 1.88 2.17 1.85 1.57 1.47 1.55 1.35 1.36 Loans/Deposits 0.08 0.08 0.02 0.03 0.04 0.03 0.04 0.03 0.03 0.04 Cash/Deposits 0.06 0.06 0.06 0.08 0.11 0.05 0.06 0.05 0.04 0.04 Investment/Deposits 0.42 0.41 0.41 0.33 0.27 0.27 0.32 0.33 0.30 0.28 Inc Loan/Deposits 8.18% 8.22% 2.39% 2.75% 3.58% 2.75% 3.62% 3.46% 3.11% 3.52% Credit Deposits 69.29% 70.05% 62.30% 63.41% 65.14% 70.19% 65.44% 68.20% 70.05% 73.66% Interest Expended / Interest earned 70.69% 62.80% 62.64% 67.57% 74.05% 73.36% 71.88% 73.58% 75.12% 80.45% Interest income / Total funds 6.57% 5.86% 5.86% 6.31% 7.89% 7.85% 6.99% 8.46% 8.52% 8.79% Interest Expended / Total funds 4.64% 3.68% 3.67% 4.26% 5.84% 5.76% 5.02% 6.22% 6.40% 7.07% CASA 32.42% 33.59% 33.81% 32.81% 29.57% 26.79% 23.65% 27.54% 22.72% 21.53%

Annual Reports:

News Update:

Punjab & Sind Bank launches e-Bank Guarantee facility
4th Nov 2024, 09:47 AM

With the secured transmission and enhanced transparency, beneficiaries will save efforts and time in the verification of physical BGs
Read More
Punjab & Sind Bank reports 27% rise in Q2 net profit
21st Oct 2024, 10:30 AM

Consolidated total income of the Bank increased by 15.84% at Rs 3,097.86 crore for Q2FY25
Read More
Punjab & Sind Bank - Quarterly Results
19th Oct 2024, 19:03 PM

Read More

Punjab & Sind Bank

Bank - Public

BSE: 533295 | NSE: PSB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update:

Punjab & Sind Bank

Bank - Public

BSE: 533295 | NSE: PSB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Annual Reports:

News Update: