PUNJAB & SIND BANK
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PUNJAB & SIND BANK Last 5 Year Financial Ratios History
[Standalone]
| Mar2026 | Mar2025 | Mar2024 | Mar2023 | Mar2022 | |
|---|---|---|---|---|---|
| Operational & Financial Ratios | |||||
| Earnings Per Share (Rs) | 1.86 | 1.43 | 0.88 | 1.94 | 1.53 |
| DPS(Rs) | 0.39 | 0.07 | 0.20 | 0.48 | 0.31 |
| Book NAV/Share(Rs) | 18.42 | 17.32 | 21.34 | 20.95 | 19.31 |
| Margin Ratios | |||||
| Yield on Advances | 10.34 | 11.80 | 11.72 | 10.40 | 11.15 |
| Yield on Investments | - | - | - | - | - |
| Cost of Liabilities | 5.04 | 5.35 | 5.30 | 4.23 | 4.25 |
| NIM | 2.22 | 2.47 | 2.03 | 2.32 | 2.36 |
| Interest Spread | 5.30 | 6.45 | 6.41 | 6.18 | 6.90 |
| Performance Ratios | |||||
| ROA(%) | 0.78 | 0.66 | 0.42 | 1.02 | 0.90 |
| ROE(%) | 10.42 | 7.59 | 4.15 | 9.62 | 10.12 |
| ROCE(%) | 9.07 | 7.40 | 5.98 | 9.47 | 10.37 |
| Efficiency Ratios | |||||
| Cost Income Ratio | 60.97 | 61.23 | 72.16 | 62.95 | 63.16 |
| Core Cost Income Ratio | 64.32 | 65.83 | 72.36 | 62.72 | 68.28 |
| Operating Costs to Assets | 1.90 | 2.02 | 1.99 | 1.81 | 1.88 |
| Capitalisation Ratios | |||||
| Tier 1 ratio | - | - | - | - | - |
| Tier 2 ratio | - | - | - | - | - |
| CAR | - | - | - | - | - |
| Valuation Parameters | |||||
| PER(x) | 11.06 | 30.39 | 68.00 | 13.26 | 10.08 |
| PCE(x) | 9.76 | 26.59 | 54.31 | 11.91 | 8.90 |
| Price/Book(x) | 1.12 | 2.51 | 2.80 | 1.23 | 0.80 |
| Yield(%) | 1.89 | 0.16 | 0.33 | 1.87 | 2.01 |
| EV/Net Sales(x) | 2.59 | 3.93 | 5.18 | 3.31 | 1.82 |
| EV/Core EBITDA(x) | 14.20 | 21.74 | 44.44 | 18.22 | 9.71 |
| EV/EBIT(x) | 3.12 | 4.99 | 6.45 | 3.98 | 2.29 |
| EV/CE(x) | 1.05 | 1.70 | 2.07 | 1.14 | 0.11 |
| M Cap / Sales | 1.22 | 2.69 | 4.18 | 2.18 | 1.48 |
| Growth Ratio | |||||
| Core Operating Income Growth | 0.73 | 33.18 | -4.45 | 12.15 | 17.22 |
| Operating Profit Growth | - | - | - | - | - |
| Net Profit Growth | 30.13 | 70.61 | -54.65 | 26.37 | 138.02 |
| BVPS Growth | 6.35 | -18.84 | 1.91 | 8.45 | 5.14 |
| Advances Growth | 19.13 | 17.60 | 7.70 | 20.73 | 4.41 |
| EPS Growth(%) | 30.13 | 62.96 | -54.65 | 26.37 | 122.73 |
| Liquidity Ratios | |||||
| Loans/Deposits(x) | - | - | - | - | - |
| Cash / Deposits(x) | 0.04 | 0.07 | 0.06 | 0.06 | 0.06 |
| Investment / Deposits(x) | 0.34 | 0.36 | 0.42 | 0.41 | 0.41 |
| IncLoan / Deposits(x) | 11.21 | 10.96 | 8.18 | 8.22 | 2.39 |
| Credit/Deposits(%) | - | - | - | - | - |
| Total Debt/Mcap(x) | - | - | - | - | - |
| Net NPAs (funded) to Net Advances (%) | 0.79 | 0.96 | 1.63 | 1.84 | 2.74 |
Compare Financial Ratios of peers of PUNJAB & SIND BANK
| Peers & Returns | Market Capitalization | 1 Week | 1 Month | 1 Year | ||
| PUNJAB & SIND BANK | ₹16,859.1 Cr | -4.5% | -5% | -25.3% | Stock Analytics | |
| STATE BANK OF INDIA | ₹936,954.0 Cr | -4.2% | -1.9% | 22.2% | Stock Analytics | |
| UNION BANK OF INDIA | ₹130,153.0 Cr | -3.1% | -2.5% | 15.2% | Stock Analytics | |
| BANK OF BARODA | ₹127,526.0 Cr | -3.3% | -11.9% | -1.4% | Stock Analytics | |
| PUNJAB NATIONAL BANK | ₹126,940.0 Cr | -1.2% | 2.6% | -3.2% | Stock Analytics | |
| CANARA BANK | ₹114,018.0 Cr | -2.4% | -3.4% | 8.4% | Stock Analytics | |
PUNJAB & SIND BANK Share Price vs Sensex
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| PUNJAB & SIND BANK | -4.5% |
-5% |
-25.3% |
| SENSEX | -2.7% |
-0.2% |
-8% |
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