PUNJAB & SIND BANK
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.
Valuation
Profitability
Returns
Solvency
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.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ11.48 K Cr | β | βΉ1.02 K Cr | β | β | β | 18.4% | 70.8% |
| Mar 2024 | βΉ9.69 K Cr | β | βΉ595.00 Cr | β | β | β | 21.3% | -54.7% |
| Mar 2023 | βΉ7.99 K Cr | β | βΉ1.31 K Cr | β | β | β | 12.6% | 26.4% |
| Mar 2022 | βΉ7.10 K Cr | β | βΉ1.04 K Cr | β | β | β | 1.7% | -138.0% |
| Mar 2021 | βΉ6.97 K Cr | β | βΉ-2733.00 | β | β | β | -12.1% | 175.8% |
| Mar 2020 | βΉ7.93 K Cr | β | βΉ-991.00 | β | β | β | -7.3% | 82.5% |
| Mar 2019 | βΉ8.56 K Cr | β | βΉ-543.00 | β | β | β | 7.7% | -27.0% |
| Mar 2018 | βΉ7.95 K Cr | β | βΉ-744.00 | β | β | β | -2.7% | -470.1% |
| Mar 2017 | βΉ8.17 K Cr | β | βΉ201.00 Cr | β | β | β | -6.5% | -40.2% |
| Mar 2016 | βΉ8.74 K Cr | β | βΉ336.00 Cr | β | β | β | 1.8% | 177.7% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 12,000 |
| Finance Costs | 8,088 |
| Total Expenses | 4,272 |
| Financing Profit | -361 |
| Financing Margin % | -3% |
| Other Income | 1,858 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 1,497 |
| Tax % | - |
| Net Profit / PAT | 1,158 |
| EPS (βΉ) | 1.66 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| PUNJAB & SIND BANKthis co. | βΉ19.39 K Cr | βΉ11.48 K Cr | 16.70 | 1.42 | 0.00 | 18.4% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |