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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

20,633.96
20.31
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

23,092.35
0.24%
1.68

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

1.49
2.09

P:E (Median)

8 Years
5 Years
3 Years

7.00
12.74
23.69

P:BV (Average)

8 Years
5 Years
3 Years

1.44
1.49
2.09

EV:EBITDA (Average)

8 Years
5 Years
3 Years

7.43
11.93
20.26

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Interest Earned 3,158.94 2,481.27 27.31% 2,931.14 2,491.03 17.67% 2,738.95 2,405.89 13.84% 2,652.27 2,315.79 14.53%
Interest Exp. 2,036.92 1,791.95 13.67% 1,992.38 1,751.75 13.74% 1,866.10 1,731.01 7.80% 1,802.24 1,578.23 14.19%
Net Interest Income 1,122.02 689.32 62.77% 938.76 739.28 26.98% 872.85 674.88 29.33% 850.03 737.56 15.25%
NIM 3.19 2.32 37.50% 2.78 2.54 9.45% 2.71 2.32 16.81% 2.69 2.63 2.28%
Other Income 676.76 412.95 63.88% 338.23 361.68 -6.48% 358.91 268.26 33.79% 193.75 178.58 8.49%
Total Income 3,835.70 2,894.22 32.53% 3,269.37 2,852.71 14.61% 3,097.86 2,674.15 15.84% 2,846.02 2,494.37 14.10%
Operating Exp. 982.39 765.92 28.26% 793.01 823.97 -3.76% 773.81 682.88 13.32% 727.18 658.80 10.38%
Operating Profit 816.39 336.35 142.72% 483.98 276.99 74.73% 457.95 260.26 75.96% 316.60 257.34 23.03%
Provision 374.02 109.56 241.38% 109.33 96.29 13.54% 150.64 -34.99 - 103.38 23.10 347.53%
PBT 442.37 226.79 95.06% 374.65 180.70 107.33% 307.31 295.25 4.08% 213.22 234.24 -8.97%
PBTM 14.00 9.14 53.17% 12.78 7.25 76.28% 11.22 12.27 -8.56% 8.04 10.11 -20.47%
TAX 129.59 87.44 48.20% 92.69 66.39 39.61% 67.72 106.16 -36.21% 31.72 81.57 -61.11%
PAT 312.78 139.35 124.46% 281.96 114.31 146.66% 239.59 189.09 26.71% 181.50 152.67 18.88%
PATM 9.90% 5.62% 9.62% 4.59% 8.75% 7.86% 6.84% 6.59%
EPS 0.44 0.21 109.52% 0.42 0.17 147.06% 0.35 0.28 25.00% 0.27 0.23 17.39%
Gross NPA 3,370.06 4,665.35 -27.76% 3,675.81 4,759.23 -22.76% 3,835.42 5,106.41 -24.89% 4,144.93 5,464.16 -24.14%
Gross NPA% 3.38 5.43 -37.75% 3.83 5.70 -32.81% 4.21 6.23 -32.42% 4.72 6.80 -30.59%
Net NPA 937.07 1,350.46 -30.61% 1,168.86 1,443.77 -19.04% 1,293.94 1,473.26 -12.17% 1,350.25 1,488.97 -9.32%
Net NPA% 0.96 1.63 -41.10% 1.25 1.80 -30.56% 1.46 1.88 -22.34% 1.59 1.95 -18.46%
CASA 31.43 32.42 -3.05% 31.16 32.77 -4.91% 30.43 31.19 -2.44% 31.62 31.69 -0.22%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 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 3,783.66 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 11,481.30 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 7,697.64 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 33.18% -4.45% 12.15% 17.22% 9.93% -9.74% 1.99% 3.51% -0.76% 29.57% Other Income 1,567.65 1,221.47 939.96 959.38 903.61 897.40 828.28 581.20 578.10 478.49 428.75 Total Income 13,048.95 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 3,276.39 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 2,074.92 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 71.46% 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 1,337.55 936.98 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 321.72 341.56 306.82 147.63 -671.34 -531.56 -228.06 -93.65 -148.74 334.13 169.92 Tax Rate 24.05% 36.45% 18.94% 12.44% 19.72% 34.92% 29.56% 11.18% -284.18% 49.86% 58.34% PAT 1,015.83 595.42 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 1,015.83 595.42 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 18.98% 14.66% 33.55% 28.78% -86.33% -33.53% -17.49% -26.41% 7.35% 12.66% 5.76% PAT Growth 70.61% -54.65% 26.37% 0 0 0 0 -469.90% -40.15% 176.86% EPS 1.43 0.84 1.85 1.46 -3.85 -1.40 -0.77 -1.05 0.28 0.47 0.17

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%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

Punjab & Sind Bank reports over two-fold jump in Q4 net profit
30th Apr 2025, 17:19 PM

The total income of the bank increased by 32.53% at Rs 3,835.70 crore for Q4FY25
Read More
Punjab & Sind Bank enters into co-lending partnership with Piramal Finance
19th Mar 2025, 15:29 PM

The two lenders aim to bridge the credit gap for MSMEs, home loan seekers, and borrowers
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

Top Investors:

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

Top Investors:

Annual Reports:

News Update: