PUNJAB & SIND BANK
₹18.67-₹0.36 (-1.9%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹19,385 Cr
- P/E
- 16.7x
- Revenue
- ₹11,481 Cr
- ROCE
- -0.1%
Price chart
Technical chartScreen technicals →-39.9% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -12.5%
- 3M
- -18.8%
- 6M
- -25.1%
- 1Y
- -39.9%
- 5Y
- +3.1%
52-week range
Day change -₹0.36 (-1.9%) from ₹19 to ₹19 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in PSB, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Maintains healthy dividend payout of 23.0%
Concerns1
- Low return on equity of 7.6%
Rule-based from financial data. Not advice.
About the company
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits.
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Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. The company also provides loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus products, as well as sukhmoney for senior citizens, SB OD and central sector interest subsidiary schemes, roof solar top solar finance, and debt restructuring services. In addition, it offers locker facility and government schemes; life, general, and health insurance services; digital banking services comprising internet and mobile banking, SMS banking, Aadhaar seeding and pay, point of sale, unified payment interface, BBPS, IMPS/USSD, RTGS/NEFT, ATM/debit cards, and online payment; international banking services, including NRI schemes, export/import services, forex treasury, residential facilities, and gold card scheme; and social banking services. The company was incorporated in 1908 and is headquartered in New Delhi, India.
- Sector
- Financial Services
- Shares outstanding
- 710 Cr shares
- ISIN
- INE608A01012
- BSE code
- 533295
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹19,385 Cr
- P/E
- 16.7x
- P/B
- 1.4x
- Earnings yield
- 6.0%
- 52-week high
- ₹31.84
- 52-week low
- ₹18.25
Profitability
- ROE
- 7.6%
- ROCE
- -0.1%
- Dividend payout
- 23.0%
- Tax rate
- 36.0%
- Other income, % of PBT
- 130.3%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹11,481 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 18.4%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 4.1%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,221 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 29.9%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 70.8%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,746 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 22.3%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,437 Cr
Solvency and efficiency
- CFO / Net profit
- 2.93
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹11,481 Cr |
| Interest paid | ₹7,698 Cr |
| Expenses | ₹3,869 Cr |
| Financing profit | -₹85 Cr |
| Other income | ₹1,568 Cr |
| Depreciation | ₹145 Cr |
| Profit before tax | ₹1,338 Cr |
| Tax and other | ₹322 Cr |
| Net profit | ₹1,016 Cr |
Revenue and net profit
Revenue grew 18.4% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹6,974 Cr | -₹2,733 Cr |
| FY2022 | ₹7,096 Cr | ₹1,039 Cr |
| FY2023 | ₹7,993 Cr | ₹1,313 Cr |
| FY2024 | ₹9,694 Cr | ₹595 Cr |
| FY2025 | ₹11,481 Cr | ₹1,016 Cr |
Cash flows
FY2025: -₹2,294 Cr from operations, -₹2,462 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹5,848 Cr | -₹6,294 Cr |
| FY2022 | -₹5,999 Cr | -₹6,120 Cr |
| FY2023 | ₹1,428 Cr | ₹1,340 Cr |
| FY2024 | ₹1,746 Cr | ₹1,517 Cr |
| FY2025 | -₹2,294 Cr | -₹2,462 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹11,481 Cr+18.4%1Y
- Net profit
- ₹1,016 Cr+70.8%1Y
- Cash from operations
- -₹2,294 Cr-231.4%1Y
- Free cash flow
- -₹2,462 Cr-262.3%1Y
- Revenue CAGR, 5Y
- 4.1%
- EBITDA CAGR, 5Y
- 6.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹11,481 Cr | -₹85 Cr | — | ₹1,016 Cr | -₹2,294 Cr | -₹2,462 Cr | — | +18.4% | +70.8% |
Monthly returns
Month-by-month returns of PSB across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.6 L Cr |
| Equity capital | ₹7,096 Cr |
| Reserves | ₹6,259 Cr |
| Deposits | ₹1.3 L Cr |
| Borrowings | ₹14,230 Cr |
| Other liabilities | ₹4,457 Cr |
| Assets | ₹1.6 L Cr |
| Fixed assets | ₹1,779 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹46,912 Cr |
| Other assets | ₹1.1 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
PSB trades at 16.7x earnings against a peer median of 26.9x (a 38% discount).
Not shown (no positive earnings and no EV / Sales): Choice International Ltd.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| PUNJAB & SIND BANKPSBthis companyP/E ↓ discount | ₹19,385 Cr | 16.7x | 1.4x | 7.6% | — |
| Aadhar Housing Finance LimitedAADHARHFC | ₹20,954 Cr | 21.2x | 3.0x | 14.3% | — |
| National Securities Depository LimitedNATIONAL | ₹20,703 Cr | 63.3x | 10.5x | 17.8% | 60.7x |
| CreditAccess Grameen Ltd.CREDITACC | ₹20,641 Cr | 154.0x | 2.9x | 7.6% | — |
| City Union Bank LtdCUB | ₹20,548 Cr | 17.0x | 2.1x | 11.9% | — |
| JSW Holdings LimitedJSWHL | ₹20,014 Cr | 170.0x | 0.6x | 0.6% | 126.1x |
| RBL Bank LimitedRBLBANK | ₹18,851 Cr | 39.3x | 1.2x | 4.5% | — |
| Choice International LtdCHOICEIN | ₹18,054 Cr | — | 26.1x | 1.7% | 2955.2x |
| Computer Age Management Services LimitedCAMS | ₹17,619 Cr | 40.0x | 15.6x | 42.6% | 34.3x |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
PSB since 1 January, against earlier years.
Historical volatility
PSB's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -60.0% |
| FY2022 | 5.0% |
| FY2023 | 10.0% |
| FY2024 | -1.0% |
| FY2025 | -1.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹11,481 Cr |
| Costs | |
| Interest | ₹7,698 Cr |
| Expenses | ₹3,869 Cr |
| Financing profitFinancing Profit | -₹85 Cr |
| Financing marginFinancing Margin % | -1.0% |
| Other income and charges | |
| Profit before tax | ₹1,338 Cr |
| Tax | |
| Net profitNet Profit | ₹1,016 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.6 L Cr |
| Equity capitalEquity Capital | ₹7,096 Cr |
| Reserves | ₹6,259 Cr |
| Deposits | ₹1.3 L Cr |
| BorrowingsBorrowing | ₹14,230 Cr |
| Other liabilitiesOther Liabilities | ₹4,457 Cr |
| AssetsTotal Assets | ₹1.6 L Cr |
| Fixed assetsFixed Assets | ₹1,779 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹46,912 Cr |
| Other assetsOther Assets | ₹1.1 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹2,294 Cr |
| Investing cash flowCash from Investing Activity | -₹168 Cr |
| Financing cash flowCash from Financing Activity | ₹3,898 Cr |
| Change in cashNet Cash Flow | ₹1,437 Cr |
Learn while you research
Academy chapters picked for PUNJAB & SIND BANK and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read