PUNJAB & SIND BANK Financial Statement Analysis
|
||
|
The Net Interest Income of PUNJAB & SIND BANK have decreased by -4.45% YoY .
The Earnings Per Share (EPS) of PUNJAB & SIND BANK has decreased by -54.64 % YoY. |
||
| NET INTEREST INCOME |
| NET INTEREST MARGIN |
| PROFIT AFTER TAX |
| EPS |
| ROCE |
PUNJAB & SIND BANK Last 5 Annual Financial Results
[BOM: 533295|NSE : PSB]
| Standalone | Mar2025 | Mar2024 | Mar2023 | Mar2022 | Mar2021 |
|---|---|---|---|---|---|
| Interest Earned | ₹9,694 Cr | ₹7,993 Cr | ₹7,096 Cr | ₹6,974 Cr | ₹7,930 Cr |
| Other Income | ₹1,221 Cr | ₹940 Cr | ₹959 Cr | ₹904 Cr | ₹897 Cr |
| Interest Expended | ₹6,853 Cr | ₹5,019 Cr | ₹4,444 Cr | ₹4,712 Cr | ₹5,872 Cr |
| Operating Expenses | ₹2,932 Cr | ₹2,463 Cr | ₹2,281 Cr | ₹2,393 Cr | ₹1,858 Cr |
| Profit Before Tax | ₹937 Cr | ₹1,620 Cr | ₹1,187 Cr | ₹-3,404 Cr | ₹-1,522 Cr |
| Profit After Tax | ₹595 Cr | ₹1,313 Cr | ₹1,039 Cr | ₹-2,733 Cr | ₹-991 Cr |
| Earnings Per Share (Rs) | ₹0.88 | ₹1.94 | ₹1.53 | ₹-6.74 | ₹-14.13 |
| NIM | 2.03 | 2.32 | 2.36 | 2.23 | 2.22 |
| ROE(%) | 4.15 | 9.62 | 10.12 | -45.11 | -20.98 |
| ROCE(%) | 5.98 | 9.47 | 10.37 | -31.74 | -14.64 |
| Advances Growth | 7.70 | 20.73 | 4.41 | 4.33 | -15.56 |
| Net NPAs (funded) to Net Advances (%) | 1.63 | 1.84 | 2.74 | 4.04 | 8.03 |
Key Financials |
||
| Market Cap | : | ₹ 22,819.4 Cr |
| Revenue (TTM) | : | ₹ 11,481.3 Cr |
| Net Profit(TTM) | : | ₹ 1,015.8 Cr |
| EPS (TTM) | : | ₹ 1.4 |
| P/E (TTM) | : | 22.5 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| PUNJAB & SIND BANK | -0.2% | 2.9% | -46.8% |
| STATE BANK OF INDIA | 0.7% | 3% | -5.5% |
| PUNJAB NATIONAL BANK | 1.1% | 5.1% | -7.3% |
| BANK OF BARODA | 1.3% | 1.5% | -6.2% |
| INDIAN OVERSEAS BANK | -0.9% | 4.1% | -39.4% |
| UNION BANK OF INDIA | 1.2% | -0.3% | 7.5% |
| CANARA BANK | 0.9% | 3.3% | -0.4% |
| INDIAN BANK | -0.9% | 0.2% | 15.3% |
| UCO BANK | 0.1% | 2.1% | -41.9% |
PUNJAB & SIND BANK Net Interest Income
[BOM: 533295|NSE : PSB]
| Y-o-Y | -4.45 % |
| 5 Yr CAGR | 8.40 % |
| Years | Net Interest Income | % Change | |
|---|---|---|---|
| Mar2025 | ₹2,841 Cr | -4.45 | |
| Mar2024 | ₹2,973 Cr | 12.15 | |
| Mar2023 | ₹2,651 Cr | 17.22 | |
| Mar2022 | ₹2,262 Cr | 9.93 | |
| Mar2021 | ₹2,058 Cr | - | |
PUNJAB & SIND BANK Net Interest Margin (NIM)
[BOM: 533295|NSE : PSB]
| Net Interest Margins | |
|---|---|
| Y-o-Y | -12.50 % |
| 5 Yr CAGR | -2.21 % |
| Years | Net Interest Margin% | % Change | |
|---|---|---|---|
| Mar2025 | 2.03% | -12.50 | |
| Mar2024 | 2.32% | -1.69 | |
| Mar2023 | 2.36% | 5.83 | |
| Mar2022 | 2.23% | 0.45 | |
| Mar2021 | 2.22% | - | |
PUNJAB & SIND BANK Profit After Tax
[BOM: 533295|NSE : PSB]
| Y-o-Y | -54.65 % |
| 5 Yr CAGR | Positive |
| Years | Profit After Tax | % Change | |
|---|---|---|---|
| Mar2025 | ₹595 Cr | -54.65 | |
| Mar2024 | ₹1,313 Cr | 26.37 | |
| Mar2023 | ₹1,039 Cr | Positive | |
| Mar2022 | ₹-2,733 Cr | Negative | |
| Mar2021 | ₹-991 Cr | - | |
| PAT Margins | |
|---|---|
| Y-o-Y | -52.54 % |
| 5 Yr CAGR | Positive |
| Years | PAT Margin(%) | % Change | |
|---|---|---|---|
| Mar2025 | 20.96 % | -52.54 | |
| Mar2024 | 44.16 % | 12.68 | |
| Mar2023 | 39.19 % | Positive | |
| Mar2022 | -120.82 % | Negative | |
| Mar2021 | -48.15 % | - | |
PUNJAB & SIND BANK Earnings Per Share (EPS)
[BOM: 533295|NSE : PSB]
| Y-o-Y | -54.64 % |
| 5 Yr CAGR | Positive |
| Years | EPS | % Change | |
|---|---|---|---|
| Mar2025 | ₹0.88 | -54.64 | |
| Mar2024 | ₹1.94 | 26.80 | |
| Mar2023 | ₹1.53 | Positive | |
| Mar2022 | ₹-6.74 | Negative | |
| Mar2021 | ₹-14 | - | |
PUNJAB & SIND BANK Return on Capital Employed (ROCE)
[BOM: 533295|NSE : PSB]
| Y-o-Y | -36.85 % |
| 5 Yr CAGR | Positive |
| Years | ROCE | % Change | |
|---|---|---|---|
| Mar2025 | 5.98% | -36.85 | |
| Mar2024 | 9.47% | -8.68 | |
| Mar2023 | 10.37% | Positive | |
| Mar2022 | -31.74% | Negative | |
| Mar2021 | -14.64% | - | |
PUNJAB & SIND BANK Share Price vs Sensex
| Current Share Price | : | ₹32.2 |
| Current MarketCap | : | ₹ 22,819.4 Cr |
| Updated EOD on | : | Jul 15,2025 |
| Share Price Returns(%) | 1 Week | 1 Month | 1 Year |
| PUNJAB & SIND BANK | -0.2% |
2.9% |
-46.8% |
| SENSEX | -1.4% |
1.8% |
3.3% |
PUNJAB & SIND BANK related INDICES
| BSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| BSE ALLCAP | 6.4% | 8.9% | 7.5% |
| BSE MIDSMALLCAP | 4.7% | 9% | 8.4% |
| BSE LARGEMIDCAP | 4.5% | 7.2% | 8.3% |
| BSE 400 MIDSMALLCAP INDEX | 0.8% | 3.2% | 0.9% |
| BSE MIDCAP | 0.5% | 2.9% | -1% |
| NSE Indices | 1W | 1M | 1Y |
|---|---|---|---|
| NIFTY PSU BANK | 0.2% | 2.9% | -1.3% |
You may also like the below Video Courses
FAQ about PUNJAB & SIND BANK Financials
How the annual revenues of PUNJAB & SIND BANK have changed ?
The Net Interest Income of PUNJAB & SIND BANK have decreased by -4.45% YoY .
How the Earnings per Share (EPS) of PUNJAB & SIND BANK have changed?
The Earnings Per Share (EPS) of PUNJAB & SIND BANK has decreased by -54.64 % YoY .
Check out Intrinsic Value of Peers of PUNJAB & SIND BANK
|
Intrinsic Value of STATE BANK OF INDIA Intrinsic Value of PUNJAB NATIONAL BANK Intrinsic Value of BANK OF BARODA Intrinsic Value of INDIAN OVERSEAS BANK Intrinsic Value of UNION BANK OF INDIA |
Compare Stock Analytics of Peers of PUNJAB & SIND BANK
STATE BANK OF INDIA vs PUNJAB NATIONAL BANK vs BANK OF BARODA
INDIAN OVERSEAS BANK vs UNION BANK OF INDIA vs
STATE BANK OF INDIA vs PUNJAB NATIONAL BANK vs BANK OF BARODA
INDIAN OVERSEAS BANK vs UNION BANK OF INDIA vs
