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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

41,086.94
45.00
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

43,879.92
0.79%
2.87

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

EBITDA CAGR (%)

10 Years
5 Years
3 Years

15.88
-
-

PAT CAGR (%)

10 Years
5 Years
3 Years

1.05
1.36

P:E (Median)

8 Years
5 Years
3 Years

-
-
12.48

P:BV (Average)

8 Years
5 Years
3 Years

1.05
1.05
1.36

EV:EBITDA (Average)

8 Years
5 Years
3 Years

3.95
5.87
11.25

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 2,491.03 2,107.44 18.20% 2,405.89 1,979.88 21.52% 2,315.79 1,800.47 28.62% 2,104.94 1,793.29 17.38%
Interest Exp. 1,751.75 1,302.44 34.50% 1,731.01 1,204.74 43.68% 1,578.23 1,091.01 44.66% 1,421.16 1,095.73 29.70%
Net Interest Income 739.28 805.00 -8.16% 674.88 775.14 -12.93% 737.56 709.46 3.96% 683.78 697.56 -1.98%
NIM 2.54 3.12 -18.59% 2.32 3.06 -24.18% 2.63 2.92 -9.93% 2.91 2.80 3.93%
Other Income 361.68 137.63 162.79% 268.26 140.29 91.22% 178.58 115.00 55.29% 547.04 214.61 154.90%
Total Income 2,852.71 2,245.07 27.07% 2,674.15 2,120.17 26.13% 2,494.37 1,915.47 30.22% 2,651.98 2,007.90 32.08%
Operating Exp. 823.97 598.30 37.72% 682.88 597.80 14.23% 658.80 572.49 15.08% 694.81 594.68 16.84%
Operating Profit 276.99 344.33 -19.56% 260.26 317.63 -18.06% 257.34 251.97 2.13% 536.01 317.49 68.83%
Provision 96.29 -207.46 - -34.99 124.91 - 23.10 -30.23 - -57.12 -131.56 -
PBT 180.70 551.79 -67.25% 295.25 192.72 53.20% 234.24 282.20 -17.00% 593.13 449.05 32.09%
PBTM 7.25 26.18 -72.31% 12.27 9.73 26.10% 10.11 15.67 -35.48% 28.18 25.04 12.54%
TAX 66.39 178.55 -62.82% 106.16 -85.38 - 81.57 77.50 5.25% 136.14 102.95 32.24%
PAT 114.31 373.24 -69.37% 189.09 278.10 -32.01% 152.67 204.70 -25.42% 456.99 346.10 32.04%
PATM 4.59% 17.71% 7.86% 14.05% 6.59% 11.37% 21.71% 19.30%
EPS 0.17 0.55 -69.09% 0.28 0.41 -31.71% 0.23 0.30 -23.33% 0.67 0.51 31.37%
Gross NPA 4,759.23 6,499.91 -26.78% 5,106.41 7,128.45 -28.37% 5,464.16 8,243.74 -33.72% 5,648.21 8,564.82 -34.05%
Gross NPA% 5.70 8.36 -31.82% 6.23 9.67 -35.57% 6.80 11.34 -40.04% 6.97 12.17 -42.73%
Net NPA 1,443.77 1,469.14 -1.73% 1,473.26 1,528.49 -3.61% 1,488.97 1,691.60 -11.98% 1,411.50 1,742.27 -18.99%
Net NPA% 1.80 2.02 -10.89% 1.88 2.24 -16.07% 1.95 2.56 -23.83% 1.84 2.74 -32.85%
CASA 32.77 33.30 -1.59% 31.19 33.36 -6.50% 31.69 34.00 -6.79% 33.59 33.81 -0.65%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 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 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 2,835.50 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 1,620.59 Interest Earned 9,317.65 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 7,972.71 Interest Expended 6,482.15 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 6,352.12 Int. income Growth -5.08% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% -0.76% 29.57% 3.62% Other Income 1,355.56 939.96 959.38 903.61 897.40 828.28 581.20 578.10 478.49 428.75 451.05 Total Income 10,673.21 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 2,071.64 Total Expenditure 2,860.46 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 1,580.91 Employee Cost - 1,544.42 1,478.56 1,688.07 1,211.09 1,175.81 1,123.00 990.14 894.03 874.33 856.23 % Of Sales - 19.32% 20.84% 24.21% 15.27% 13.74% 14.13% 12.11% 10.22% 10.18% 10.74% Opt. & Establishment Exp. - 1,067.31 939.12 807.56 700.85 520.59 612.79 547.88 536.09 504.21 475.19 % Of Sales - 13.35% 13.23% 11.58% 8.84% 6.08% 7.71% 6.70% 6.13% 5.87% 5.96% Provisions - -169.91 143.41 4,176.27 2,619.27 2,168.40 1,982.16 1,189.53 599.79 484.18 370.15 % Of Sales - -2.13% 2.02% 59.88% 33.03% 25.34% 24.94% 14.55% 6.86% 5.64% 4.64% EBITDA 1,330.60 1,768.18 1,323.78 -3,302.12 -1,468.44 -786.26 -773.34 94.80 715.85 337.31 490.73 EBITDA Margin 69.30% 59.47% 49.93% -145.99% -71.37% -34.49% -34.60% 4.39% 32.90% 20.09% 30.28% Depreciation 0.00 148.33 137.09 102.13 53.91 -14.72 64.11 42.46 45.74 46.04 60.33 PBT 1,303.32 1,619.85 1,186.68 -3,404.24 -1,522.36 -771.54 -837.45 52.34 670.10 291.27 430.40 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 390.26 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 334.13 169.92 129.77 Tax Rate 29.94% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% 49.86% 58.34% 30.15% PAT 913.06 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 300.63 PAT before Minority Interest 913.06 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 300.63 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 21.79% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% 12.66% 5.76% 14.51% PAT Growth -24.05% 26.37% 0 0 0 0 -469.90% -40.15% 176.86% -59.63% EPS 1.35 1.94 1.53 -4.03 -1.46 -0.80 -1.10 0.30 0.50 0.18 0.44

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 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 5,011.29 Share Capital 6,777.79 6,777.79 4,052.67 701.05 564.91 564.91 400.41 400.41 400.41 475.28 Total Reserves 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 4,536.00 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 109,665.49 102,137.01 96,108.18 89,667.55 98,557.60 101,726.17 85,540.16 91,249.96 86,714.72 84,730.16 Borrowings 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 2,305.04 Other Liabilities & Provisions 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 2,462.66 Total Liabilities 136,454.52 121,067.54 110,481.88 100,503.81 108,982.04 113,759.25 96,643.44 102,581.41 97,753.41 94,509.15 Net Block 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 1,002.72 Gross Block 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 1,241.40 Accumulated Depreciation 760.11 631.50 514.14 421.93 373.53 443.02 382.00 314.93 326.75 238.68 Total Non-Current Assets 129,473.99 113,773.10 102,888.83 93,783.09 103,197.06 107,766.50 91,968.24 97,597.12 93,091.08 92,860.74 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 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 4,834.49 Balance with banks and money at call 71.32 148.99 1,130.93 89.85 1,677.14 876.31 225.10 1,080.01 463.40 1,490.35 Investments 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 28,294.11 Advances 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 57,239.07 Other Assets 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 1,648.42 Total Assets 136,454.51 121,067.54 110,481.88 100,503.81 108,982.04 113,759.25 96,643.44 102,581.42 97,753.41 94,509.16 Contingent Liabilities 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 10,029.07 Bills for collection 955.93 899.88 845.40 899.09 764.70 594.61 597.07 1,106.07 768.73 1,275.78 Adjusted Book Value 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57 120.17 144.60

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity 1,428.36 -5,998.57 -5,847.68 2,209.92 -97.34 1,063.31 -495.22 929.54 -1,981.62 2,468.55 PBT 1,313.03 1,039.05 -2,732.90 -990.80 -543.48 -743.80 201.08 335.97 121.35 300.63 Adjustment 399.68 659.68 3,851.49 2,375.25 2,171.88 2,205.74 1,217.54 1,079.86 849.24 670.81 Adjustments for Liabilities & Assets -134.96 -8,551.26 -6,742.69 1,187.93 -1,504.20 -159.46 -2,250.40 -486.29 -2,952.21 1,497.11 Refund/(Payment) of direct taxes -149.39 853.95 -223.58 -362.47 -221.53 -239.18 336.55 0.00 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 -88.16 -120.79 -446.23 -63.39 -61.07 -51.39 -33.47 -37.89 -84.49 -58.02 Net Fixed Assets -70.59 -109.89 -436.29 -58.84 -78.30 -48.19 -29.06 -126.79 -80.18 -154.24 Other Investment Activity -2400.32 -2655.17 -2162.44 -1723.83 -1655.31 -1559.09 -1515.32 -1532.86 -1379.60 -1322.89 Cash from Financing Activity -1,331.71 4,068.14 5,055.10 813.50 -356.06 1,531.00 215.90 -208.59 -39.22 -164.91 Closing Cash & Equivalent 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 Net Cash Inflow / Outflow 8.50 -2,051.22 -1,238.81 2,960.03 -514.47 2,542.92 -312.79 683.06 -2,105.33 2,245.63 Opening Cash & Equivalents 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 4,079.21

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 20.95 19.31 18.37 66.65 84.47 94.45 131.59 126.57 120.17 144.60 NIM 2.32 2.36 2.23 2.22 2.24 2.10 2.38 2.26 1.82 1.76 Yield on Advances 10.40 11.15 11.44 13.58 12.37 11.94 14.01 13.68 13.45 13.93 Yield on Investments 5.49 5.74 7.15 9.76 10.15 8.22 9.01 7.37 8.92 7.09 Cost of Liabilities 4.23 4.25 4.77 6.32 6.20 5.42 6.80 6.98 7.70 7.30 Interest Spread 6.18 6.90 6.67 7.25 6.17 6.52 7.22 6.70 5.75 6.63 ROCE 9.47% 10.37% -31.74% -14.64% -5.29% -5.65% 2.73% 10.61% 6.32% 9.21% Cost Income Ratio 62.95 63.16 75.61 62.88 55.06 59.36 54.63 52.16 63.21 61.36 Core Cost Income Ratio 62.72 68.28 87.05 72.86 62.23 65.38 60.42 55.06 67.49 65.31 Operating Costs to Assets 1.81 1.88 2.17 1.85 1.57 1.47 1.55 1.35 1.36 1.34 Loans/Deposits 0.08 0.02 0.03 0.04 0.03 0.04 0.03 0.03 0.04 0.03 Cash/Deposits 0.06 0.06 0.08 0.11 0.05 0.06 0.05 0.04 0.04 0.06 Investment/Deposits 0.41 0.41 0.33 0.27 0.27 0.32 0.33 0.30 0.28 0.33 Inc Loan/Deposits 8.22% 2.39% 2.75% 3.58% 2.75% 3.62% 3.46% 3.11% 3.52% 2.72% Credit Deposits 70.05% 62.30% 63.41% 65.14% 70.19% 65.44% 68.20% 70.05% 73.66% 67.55% Interest Expended / Interest earned 62.80% 62.64% 67.57% 74.05% 73.36% 71.88% 73.58% 75.12% 80.45% 79.67% Interest income / Total funds 5.86% 5.86% 6.31% 7.89% 7.85% 6.99% 8.46% 8.52% 8.79% 8.44% Interest Expended / Total funds 3.68% 3.67% 4.26% 5.84% 5.76% 5.02% 6.22% 6.40% 7.07% 6.72% CASA 33.59% 33.81% 32.81% 29.57% 26.79% 23.65% 27.54% 22.72% 21.53% 20.88%

Annual Reports:

News Update:

Punjab & Sind Bank - Quarterly Results
31st Jan 2024, 18:11 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: