NSE / BSEFinancial Services
β‚Ή23.69-0.31-1.29%
P/E16.7Mkt Capβ‚Ή19.39 K CrEV/EBITDA0.0

PUNJAB & SIND BANK

P/E16.7Mkt Capβ‚Ή19.39 K CrEV/EBITDA0.0
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–Ό 19.86% over 1Y
Monthly Returns

Historically, Dec has averaged the highest return (+11.0%); Mar the lowest (-4.5%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+0.6%Neutral MonthJan 2026: +0.58%-4.6%Negative MonthFeb 2026: -4.59%-22.5%Negative MonthMar 2026: -22.55%+20.9%Positive MonthApr 2026: +20.86%-3.7%Negative MonthMay 2026: -3.73%+1.1%Neutral MonthJun 2026: +1.08%-2.3%*Negative MonthJul 2026: -2.27%β€”β€”β€”β€”β€”
2025+0.4%Neutral MonthJan 2025: +0.44%-16.5%Negative MonthFeb 2025: -16.50%+8.0%Positive MonthMar 2025: +8.02%-31.9%Negative MonthApr 2025: -31.88%+7.9%Positive MonthMay 2025: +7.93%+3.1%Positive MonthJun 2025: +3.09%-11.5%Negative MonthJul 2025: -11.52%-4.9%Negative MonthAug 2025: -4.90%+7.2%Positive MonthSep 2025: +7.21%+5.2%Positive MonthOct 2025: +5.18%-4.4%Negative MonthNov 2025: -4.41%-7.3%Negative MonthDec 2025: -7.29%
2024+17.4%Positive MonthJan 2024: +17.40%+27.3%Positive MonthFeb 2024: +27.32%-7.4%Negative MonthMar 2024: -7.38%+5.5%Positive MonthApr 2024: +5.47%-3.1%Negative MonthMay 2024: -3.13%-2.4%Negative MonthJun 2024: -2.38%+11.1%Positive MonthJul 2024: +11.08%-10.2%Negative MonthAug 2024: -10.18%-7.4%Negative MonthSep 2024: -7.38%-5.4%Negative MonthOct 2024: -5.39%-3.9%Negative MonthNov 2024: -3.88%-4.1%Negative MonthDec 2024: -4.07%
2023-13.0%Negative MonthJan 2023: -12.98%-11.9%Negative MonthFeb 2023: -11.86%-1.2%Neutral MonthMar 2023: -1.23%+40.1%Positive MonthApr 2023: +40.07%-10.0%Negative MonthMay 2023: -10.01%-1.3%Neutral MonthJun 2023: -1.33%+2.7%Positive MonthJul 2023: +2.69%+5.6%Positive MonthAug 2023: +5.58%+34.2%Positive MonthSep 2023: +34.19%-15.3%Negative MonthOct 2023: -15.32%+4.1%Positive MonthNov 2023: +4.12%+5.3%Positive MonthDec 2023: +5.32%
2022+7.1%Positive MonthJan 2022: +7.14%-11.0%Negative MonthFeb 2022: -11.01%+0.7%Neutral MonthMar 2022: +0.65%+2.9%Positive MonthApr 2022: +2.91%-1.9%Neutral MonthMay 2022: -1.89%-9.3%Negative MonthJun 2022: -9.29%+5.6%Positive MonthJul 2022: +5.58%+4.7%Positive MonthAug 2022: +4.69%-0.6%Neutral MonthSep 2022: -0.58%+6.8%Positive MonthOct 2022: +6.75%+25.3%Positive MonthNov 2022: +25.30%+63.0%Positive MonthDec 2022: +62.98%
2021β€”β€”β€”β€”β€”+8.7%Positive MonthJun 2021: +8.71%-8.5%Negative MonthJul 2021: -8.47%-15.2%Negative MonthAug 2021: -15.25%+3.2%Positive MonthSep 2021: +3.24%+1.7%Neutral MonthOct 2021: +1.71%-7.6%Negative MonthNov 2021: -7.58%-2.1%Negative MonthDec 2021: -2.13%
AvgΒ±SD+2.5%Β±9.9%-3.3%Β±15.8%-4.5%Β±10.3%+7.5%Β±23.7%-2.2%Β±5.8%-0.0%Β±5.5%-0.5%Β±7.8%-4.0%Β±8.2%+7.3%Β±14.3%-1.4%Β±8.1%+2.7%Β±11.9%+11.0%Β±26.3%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 0.854x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή11.48 K Crβ–² 18.4%
EBITDA Growthβ€”
Net Profitβ‚Ή1.02 K Crβ–² 70.8%
Cash from Ops (CFO)β€”β–Ό 231.4%
Free Cash Flow (FCF)β€”β–² 32.3%
Revenue CAGR 5Y4.1%
EBITDA CAGR 5Y6.4%
Net Profit CAGR 5Y0.0%
NP Growth 1Y70.8%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή11.48 K Crβ€”β‚Ή1.02 K Crβ€”β€”β€”18.4%70.8%
Mar 2024β‚Ή9.69 K Crβ€”β‚Ή595.00 Crβ€”β€”β€”21.3%-54.7%
Mar 2023β‚Ή7.99 K Crβ€”β‚Ή1.31 K Crβ€”β€”β€”12.6%26.4%
Mar 2022β‚Ή7.10 K Crβ€”β‚Ή1.04 K Crβ€”β€”β€”1.7%-138.0%
Mar 2021β‚Ή6.97 K Crβ€”β‚Ή-2733.00β€”β€”β€”-12.1%175.8%
Mar 2020β‚Ή7.93 K Crβ€”β‚Ή-991.00β€”β€”β€”-7.3%82.5%
Mar 2019β‚Ή8.56 K Crβ€”β‚Ή-543.00β€”β€”β€”7.7%-27.0%
Mar 2018β‚Ή7.95 K Crβ€”β‚Ή-744.00β€”β€”β€”-2.7%-470.1%
Mar 2017β‚Ή8.17 K Crβ€”β‚Ή201.00 Crβ€”β€”β€”-6.5%-40.2%
Mar 2016β‚Ή8.74 K Crβ€”β‚Ή336.00 Crβ€”β€”β€”1.8%177.7%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue7,9738,5898,7448,1737,9498,5597,9306,9747,0967,9939,69411,48112,000
Finance Costs6,3526,9096,5696,0145,7146,2795,8724,7124,4445,0196,8537,6988,088
Total Expenses1,7421,9152,1102,5363,3473,9814,4236,4682,2872,1452,9753,8694,272
Financing Profit-121-23566-377-1,112-1,702-2,366-4,206364828-134-85-361
Financing Margin %-2%-3%1%-5%-14%-20%-30%-60%5%10%-1%-1%-3%
Other Income4274294785785818288979049599401,2211,5681,858
Depreciation & Amortisation604646064-15541021371481501450
Profit Before Tax246147498201-595-859-1,522-3,4041,1871,6209371,3381,497
Tax %-22%18%33%0%25%-37%-35%-20%12%19%36%24%-
Net Profit / PAT301121336201-744-543-991-2,7331,0391,3135951,0161,158
EPS (β‚Ή)10.923.038.395.02-13.17-9.62-14.13-6.741.531.940.881.431.66
Dividend Payout %20%20%20%0%0%0%0%0%20%25%23%5%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
PUNJAB & SIND BANKthis co.β‚Ή19.39 K Crβ‚Ή11.48 K Cr16.701.420.0018.4%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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