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Punjab & Sind Bank PSB NSEFINANCIALPSU

Financial Services · Banks - Regional · India
https://punjabandsind.bank.in

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.

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₹23.98
-21.86% 1Y

Market & Price

Market Cap
₹17,015.21 Cr
Current Price
₹23.98
High / Low (52W)
₹33.18 / ₹20.66
Beta
0.55

Valuation

Stock P/E
12.89
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹19.45
Price to Book
1.23
P/S
3.30
EV/EBITDA
-
Dividend Yield
0.29%

Profitability & Returns

ROCE
-
ROE
9.62%
ROA
0.78%
Profit Margin
25.62%
Op Margin
41.72%
EPS (Latest Qtr)
₹0.59
EPS (TTM)
₹1.86

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
₹16,352.32 Cr
Total Assets
₹1.79 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
93.85%
Chg in Prom Hold
-
FII / Inst Holding
1.44%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹27,197.95 Cr
Total Revenue (TTM)
₹5,159.80 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-17,948.09 Cr
Shares Outstanding
₹709.56 Cr
Gross Margin
0.00%
Payout Ratio
3.76%

Growth (CAGR)

Revenue 5Y
12.88%
Profit 5Y
0.23%
Revenue (YoY)
33.80%
Earnings (YoY)
29.10%

PROS

  • Excellent profit margin of 25.6%.
  • Compounding revenue at 12.9% over 5 years.

CONS

  • Trading 27.7% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PSB Punjab & Sind Bank NSEFINANCIALPSU 23.98 12.89 ₹17,015.21 Cr 0.29% - 9.62% 12.88% 0.23%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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Quarterly Results

Figures in INR.

Metric Sep 2024Dec 2024Mar 2025Jun 2025Mar 2026
Revenue 1,231.76 Cr1,276.99 Cr1,798.78 Cr1,369.14 Cr1,402.17 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses 1,015.95 Cr998.63 Cr1,031.58 Cr1,068.81 Cr767.01 Cr
Operating Income -----
EBITDA -----
Interest Expense 1,866.10 Cr1,992.38 Cr2,036.92 Cr2,010.25 Cr2,055.19 Cr
Pretax Income 307.31 Cr374.65 Cr442.37 Cr323.02 Cr615.45 Cr
Tax Provision 67.72 Cr92.69 Cr129.59 Cr53.86 Cr193.62 Cr
Net Income 239.59 Cr281.96 Cr312.78 Cr269.16 Cr421.83 Cr
Diluted EPS 0.350.420.460.380.59

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -3,886.06 Cr3,709.21 Cr5,351.31 Cr5,589.21 Cr
Cost of Revenue -----
Gross Profit -----
Operating Expenses -2,652.56 Cr2,984.52 Cr3,837.28 Cr3,779.21 Cr
Operating Income -----
EBITDA -----
Interest Expense -5,019.35 Cr6,852.93 Cr7,697.64 Cr8,170.09 Cr
Pretax Income -1,619.85 Cr936.98 Cr1,337.55 Cr1,752.33 Cr
Tax Provision -306.82 Cr341.56 Cr321.72 Cr430.40 Cr
Net Income -1,313.03 Cr595.42 Cr1,015.83 Cr1,321.93 Cr
Diluted EPS -1.940.881.501.86

Compounded Sales Growth

5 Years:12.88%
1 Year:33.80%

Compounded Profit Growth

5 Years:0.23%
1 Year:29.10%

Stock Price Performance

1 Year:-21.86%
6 Months:-19.83%
3 Months:-7.91%
1 Month:-3.81%

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -1.36 L Cr1.48 L Cr1.62 L Cr1.79 L Cr
Current Assets -----
Cash & Equivalents -8,656.16 Cr9,056.85 Cr10,188.70 Cr6,299.26 Cr
Inventory -----
Receivables 1,235.92 Cr1,652.82 Cr1,836.09 Cr2,997.99 Cr-
Total Liabilities -1.21 L Cr1.32 L Cr1.48 L Cr1.65 L Cr
Current Liabilities -----
Long Term Debt -----
Total Debt -9,018.38 Cr9,170.86 Cr11,879.52 Cr16,352.32 Cr
Total Equity -15,108.51 Cr15,533.43 Cr13,354.76 Cr14,132.42 Cr
Shares Outstanding -677.78 Cr677.78 Cr709.56 Cr709.56 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -1,428.36 Cr1,746.38 Cr-2,293.50 Cr-1,893.10 Cr
Investing Cash Flow --88.16 Cr-228.63 Cr-167.61 Cr-240.91 Cr
Financing Cash Flow --1,331.70 Cr-431.47 Cr3,898.16 Cr-386.79 Cr
Capital Expenditure --90.31 Cr-229.07 Cr-167.61 Cr-240.91 Cr
Free Cash Flow -1,338.05 Cr1,517.32 Cr-2,461.11 Cr-2,134.01 Cr
Net Change in Cash -8.50 Cr1,086.29 Cr1,437.05 Cr-2,520.80 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -----
Operating Margin % -----
Net Margin % -33.8%16.1%19.0%23.7%
ROE % -8.7%3.8%7.6%9.4%
ROCE % -----

Shareholding Pattern

Insiders
93.85%
Institutions
1.44%
Public Float
23.41%

Analyst View

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