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Punjab & Sind Bank P/E Ratio

Punjab & Sind Bank P/E Ratio

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Punjab & Sind Bank

NSE: PSB

PE

69.4

Last updated : 13 Jun 15:30 pm

Key Highlights

    The P/E Ratio of Punjab & Sind Bank is 69.4 as of 13 Jun 15:30 pm .a1#The P/E Ratio of Punjab & Sind Bank changed from 10.1 on March 2019 to 13.2 on March 2023 . This represents a CAGR of 14.32% over 2 years. a1#The Latest Trading Price of Punjab & Sind Bank is ₹ 63.02 as of 13 Jun 15:30 .a1#The PE Ratio of Banks Industry has changed from 413.8 to 13.7 in 5 years. This represents a CAGR of -49.42%a1# The PE Ratio of Automobile industry is 11.3. The PE Ratio of Banks industry is 11.0. The PE Ratio of Finance industry is 21.7. The PE Ratio of IT - Software industry is 28.9. The PE Ratio of Retail industry is 142.7. The PE Ratio of Textiles industry is 7.2. In 2024a1#The Market Cap of Punjab & Sind Bank changed from ₹ 1759 crore on March 2019 to ₹ 17405 crore on March 2023 . This represents a CAGR of 58.14% over 5 years. a1#The Revenue of Punjab & Sind Bank changed from ₹ 1915 crore to ₹ 2894 crore over 8 quarters. This represents a CAGR of 22.92% a1#The EBITDA of Punjab & Sind Bank changed from ₹ 1373 crore to ₹ 2018 crore over 8 quarters. This represents a CAGR of 21.25% a1#The Net Profit of Punjab & Sind Bank changed from ₹ 204.7 crore to ₹ 139.35 crore over 8 quarters. This represents a CAGR of -17.49% a1#The Dividend Payout of Punjab & Sind Bank changed from 20.22 % on March 2019 to 24.78 % on March 2023 . This represents a CAGR of 10.70% over 2 years. a1#

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P/E Ratio Over Time

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share. P/E Ratio Formula P/E ratio = (CMP of share/ Earning per share) Types of Price to Earning Ratio 1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance. 2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

P/E Ratio Over Time

Period
Mar '190
Mar '200
Mar '210
Mar '2210.1
Mar '2313.2

Fundamental Metrics

Market Cap

42,713 Cr

EPS

0.9

P/E Ratio (TTM) *

69.4

P/B Ratio (TTM) *

2.8

Day’s High

63.32

Day’s Low

62.0

DTE *

NaN

ROE *

3.8

52 Week High

77.5

52 Week Low

29.41

ROCE *

1.4

* All values are consolidated

* All values are consolidated

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Punjab & Sind Bank

NSE: PSB

PRICE

63.02

1.41 (2.29%)

stock direction

Last updated : 13 Jun 15:30

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PRICE

The current market price or CMP refers to the price at which the securities are trading in the share market. Current price in Over-the-counter costs: The following current price depends upon the bid price & the asking price when a financial asset is sold over-the-counter(OTC). Current Price in Bond Market: The current price of a bond is determined by measuring the actual interest rate against the bid-related interest rate. The par or the face value is then calculated to represent the remaining interest payments due which occur before the maturity of the bond.

Share price Over Time

1M

1Y

3Y

5Y

* All values are in Rupees

SWOT Analysis Of Punjab & Sind Bank

Strength

1

S

Weakness

0

W

Opportunity

0

O

Threats

0

T

Asset Value vs Market Value

Market Value

41,372

Asset Value

13,360

2.1 X

Value addition

* All values are in Rupees

PE Ratio Over Market Cap

Key Valuation Metric

Earnings

595 Cr

69.4 X

PE Ratio

Market Cap

₹41371Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

PE Ratio

PS Ratio

PB Ratio

Earnings

595 Cr

69.4 X

PE Ratio

Market Cap

₹41371Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

PE Ratio of Banks Industry over time

PE Ratio of Top Sectors

Punjab & Sind Bank PE Ratio Calculation

  • The Price-to-Earnings (PE) ratio, also known as the P/E Ratio, is a fundamental financial metric used to assess the valuation of a company's stock in relation to its earnings performance. For Punjab & Sind Bank, the PE Ratio is calculated as follows:

P/E Ratio

=

Market Capitalization

Net Income

  • Given the current market conditions, Punjab & Sind Bank's Share Price stands at 63.02. The Earnings per Share (Diluted) for the trailing twelve months (TTM) ending in 2024-06-13T00:00:00 is 0.88. Substituting the values into the formula, PE Ratio becomes as follows: PE Ratio = 63.02/ 0.88= 69.36.

P/E Ratio

=

Stock Price

Earning Per Share

  • This indicates that Punjab & Sind Bank's stock is trading at approximately 69.36 times its earnings per share for the trailing twelve months. Alternatively, the PE Ratio can also be computed using the company's overall financial performance: PE Ratio = Market Cap / Net Income. Where Market Cap represents the total market capitalization of the company, and Net Income signifies the total earnings after expenses and taxes.

Understanding Punjab & Sind Bank’s PE Ratio (BSE: PSB)

    The Price-to-Earnings (PE) ratio, used to assess Punjab & Sind Bank's stock (BSE: PSB), indicates how many years it would take for the company to earn back the stock price. If a company earns ₹2 per share annually and its stock trades at ₹30, the PE ratio is 15, signifying a 15-year payback period assuming steady earnings. Earnings fluctuate, affecting the payback period, Growing earnings shorten the recovery time while declining earnings extend it. Shareholders favor shorter payback periods, preferring lower PE stocks. Among stocks with the same PE ratio, faster-growing businesses are preferred. A company with losses makes the PE ratio meaningless. Peter Lynch introduced the PEG ratio to compare stocks with different growth rates, dividing the PE ratio by the growth rate. A company is considered fairly valued when its PE ratio matches its growth rate. The PE ratio, applicable across industries, measures stock valuation based on earnings power. It indicates how quickly an investment can be recouped. Unlike the PB ratio, which assesses valuation based on the balance sheet, the PE ratio focuses on earnings. Overall, the PE ratio provides insights into stock valuation, aligning with investors' preference for faster returns.

×

Market Cap Over Time

Market Cap or market capitalisation refers to metrics that are used to measure a company's size. It is defined as the total market value of a company's outstanding shares of stock. Formula of Market Cap: Market Capital = N * P Here, N for the outstanding shares P refers to the closing price of the company's shares. Types of Companies based on Market Cap: - Small-Cap stocks: Up to 500 Crore - Mid-Cap Stocks: From Rs.500 crore up to Rs.7,000 crore - Large-Cap Stocks: From Rs.7,000 crore up to Rs.20,000 crore

Market Cap Over Time

Period
Mar '191760
Mar '20782
Mar '217133
Mar '2210472
Mar '2317405

* All values are a in crore

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Revenue Over Time

Revenue term means the amount of money a company earns from its primary business activities such as the sales of its products & services. Types of Revenue: 1. Operating revenue: It refers to the income generated from the core business activities, which are sales of goods or services rendered. 2. Non-Operating revenue: It is the income generated from secondary sources unrelated to the primary business. Examples include rents, dividends, interest, and royalty fees. Formula for Revenue: The formula for calculating revenue is based on two goods & services: For goods: Revenue = Avg unit price x Number of Units sold For services: Revenue = Avg unit price x Number of Customers served.

Revenue Over Time

Period
Jun '221915
Sep '222120
Dec '222245
Mar '222652
Jun '232494
Sep '232674
Dec '232853
Mar '232894

* All values are a in crore

×

EBITDA Over Time

PBIDT stands for Profit Before Interest, Depreciation, and Taxes. It is a financial metric that measures a company's profitability before accounting for interest expenses, depreciation of assets, and taxes. Formula to calculate PBIDT: PBIDT = Net Income + Interest + Depreciation + Taxes or PBIDT = Operating Income + Depreciation + Taxes PBIDT vs EBITDA vs EBIT vs EBT: Here is a brief explanation of the differences: - PBIDT (Profit Before Interest, Depreciation, and Taxes) includes taxes in its calculation, unlike EBITDA. - EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) excludes taxes and interest, focusing on operational performance. - EBIT (Earnings Before Interest and Taxes) excludes interest and taxes, providing a measure of core operational profitability. - EBT (Earnings Before Taxes) includes all operating income but does not account for interest expenses. Conclusion: PBIDT, similar to EBITDA, is a measure of operational profitability but includes taxes in its calculation.

EBITDA Over Time

Period
Jun '221373
Sep '221397
Dec '221854
Mar '222014
Jun '231812
Sep '232026
Dec '231932
Mar '232019

* All values are a in crore

×

Net Profit Over Time

Net profit is the amount of money a company retains after accounting for all expenses, depreciation, interest, taxes, and other deductions. Net Profit formula is expressed as: Net Profit = Total Revenue - Total Expense Net Profit Margin Ratio: Net Profit Margin Ratio = Net Profit / Total Revenue

Net Profit Over Time

Period
Jun '22205
Sep '22278
Dec '22373
Mar '22457
Jun '23153
Sep '23189
Dec '23114
Mar '23139

* All values are a in crore

×

Dividend Payout Over Time

Dividend payout refers to the total dividends paid to shareholders relative to the company's earnings. It is a financial measure that determines the percentage of earnings paid out to existing shareholders as dividends. How to calculate Dividend Payout Ratio? The dividend payout ratio formula is as follows: DPR = Dividends paid / Net earnings With the dividend payout ratio, you can understand the company's priorities. It is an important metric that allows you to easily check DPR online.

Dividend Payout Over Time

Period
Mar '190
Mar '200
Mar '210
Mar '2220
Mar '2325

* All values are a in %

About Punjab & Sind Bank

About Punjab & Sind Bank

    Punjab and Sind Bank is a leading Public Sector bank and a major bank in Northern India. The Bank's business is taking deposits, and making advances and investments and is principally divided into retail banking, corporate banking, priority sector banking, treasury operations and other banking services such as agency functions for insurance, distribution of mutual funds and pension and tax collection services. They have various deposit products, such as current, savings and term deposits for the customers. In retail banking, the bank provides loans and advances for housing, trade, automobiles, consumer durables, education and personal loans. We provide commercial banking products and services to corporate customers, including mid-sized and small businesses and government entities. In corporate banking, the Bank's loan products include term loans to finance capital expenditure of assets across various industries as well as short-term loans, cash and export credit and other working capital financing and bill discounting facilities. They also provide credit substitutes, such as letters of credit and guarantee. They also engage in syndication of loans provided by other financial institutions and other fee-based services such as cash management and remittance services. In the priority sector, the Bank offers direct financing to farmers for production, as well as indirect financing for infrastructure development and credit to suppliers of agricultural inputs. They also offer a wide range of general banking services to our customers including ATM cards, cash management, remittance services and collection services. The Bank also distributes third-party products such as life and non-life insurance policies through corporate agency agreements with Aviva Life Insurance Company India Pvt Ltd and Bajaj Allianz, respectively, and mutual funds with UTI AMC through a distribution agreement. They also act as an agent for various state governments and the GoI on numerous matters including the collection of taxes and payment of salary and pension. The Bank delivers their products and service through a wide variety of channels ranging from bank branches and ATMs. They have branch presence across India, with a presence predominantly in north India. As of July 31, 2010, the Bank has over 920 branches / extension counters and 63 ATMs spread across the country. Out of these 920 branches, they have 49 specialised branches including specialised agriculture branches, personal banking branches and MSME branches and one locker branch to cater to their customers from varied sectors including our priority sector customers. Punjab and Sind Bank was incorporated on June 24, 1908 with the name 'The Punjab and Sind Bank Ltd' in Amritsar, Punjab. The Bank was established by Bhai Vir Singh, Sir Sunder Singh Majitha and Sardar Tarlochan Singh. The Bank was founded on the principle of social commitment to help the weaker section of the society in their economic endeavors to raise their standard of life. In April 1980, the Bank is one of the six banks nationalized by the GoI. Thus, the Bank became GoI undertaking and the name was changed to Punjab & Sind Bank. In March 22, 1986, the Bank established Sutlej Gramin Bank as a Regional Rural Bank in Punjab, under the name Faridkot - Bathinda Kshetriya Gramin Bank. In July 2004, the Bank in collaboration with ICICI Bank Ltd launched the 'Punjab & Sind Bank-ICICI Bank Credit Card'. The Bank made special tie-up arrangements for Non Life insurance business with Bajaj Allianz General Insurance Company and Life Insurance business arrangements with Aviva Life Insurance Company India Pvt Ltd for providing their valued customers all the insurance related services under one roof. In the annual Business Today-KPMG survey of Best Banks in India 2008, the Bank was ranked number one in the list of 'Small Sized Best Banks in India'. In June 24, 2010, the first CBS branch was rolled-out. In February 24, 2010, the Bank signed a 10-year contract with IT major Wipro Ltd for comprehensive IT outsourcing services for Bank. In December 2010, Punjab and Sind Bank came out with the public issue of 4,00,00,000 equity shares aggregating to Rs 470.82 crore. The fund proceeds would be utilised for business expansion. As on 31 March, 2010, total Business of the Bank stood at Rs. 81893.76 crores. Total deposits of the Bank stood Rs. 49,155.09 crore. The Bank installed 59 ATMs during the year. It had 918 new branches, of which it opened 6 new branches and converted 7 General Banking branches into Specialized SME branches thus raising the number of SSI/ SME branches to 11. As on 31 March, 2011, total Business of the Bank stood at Rs. 1,02,556 crores. Total deposits of the Bank stood Rs. 59,723 crore. The Bank installed 83 ATMs during the year. It opened 47 new branches. As on 31 March, 2012, total Business of the Bank stood at Rs. 109493 crores. Total deposits of the Bank stood Rs. 63124 crore. The Bank installed 35 ATMs during the year, which resulted in total of 118 onsite /offsite ATMs as on 31 March, 2012. It opened 63 new branches, which included 12 branches opened under the Financial Inclusion Plan. As on 31 March, 2013 total Business of the Bank stood at Rs. 122485 crores. The total deposit of the Bank was recorded Rs. 70641.50 crore. It signed MOU with Onicra Credit Rating Agency of India Ltd, M/s Star Agriwarehousing & Collateral Management Ltd and National Housing Bank (Credit Guarantee Fund Trust for Low Income Group Housing). 61 ATMs were installed during the year upto 31 March, 2013. The Bank opened 101 new branches in 2012-13 which include 38 branches opened in Unbanked rural centres. The Bank opened 202 new branches during the year 2013-14. It installed 829 ATMs and the total ATMs stood at 1008 as on March 31, 2014. As on 31 March, 2014, Bank had 29 MSME branches. During year ended 31st March, 2014 total Business of the Bank stood at Rs. 142588 crore. Total deposits of the Bank stood at Rs. 84730.16 crore. As on 31 March 2015, total Business of the Bank stood at Rs. 151511 crore. The total deposit of Bank stood at Rs. 86714.71 crore as on March 31, 2015. Bank opened 126 new branches during the year 2014-15, of these, 59 branches were opened under Financial Inclusion. It installed 260 new ATMs during the year 2014-15 and total ATMs of the Bank stood at 1268 as on 31st March, 2015. As on 31 March 2016, the total deposit of the Bank registered a growth of 5.23% with net accretion of Rs. 4535.24 crore. Total Business of the Bank recorded an increase of 3.31% at Rs. 156527 crore. It opened 32 new branches in FY 2015-16. As on 31 March, 2016, all 1481 branches are on Core Banking Solution. The Bank installed 71 new ATMs during the Year 2015-16. Total number of ATMs of the Bank as on 31st March, 2016 was 1341. During the year ended 31 March, 2017, total Business of the Bank stood at Rs. 145803 crore. The total deposits of the Bank stood at Rs. 101,726.17 crore. The Bank had 1500 branches as on 31 March, 2018. It installed 30 new ATMs during the Year 2016-17 and the total ATMs stood at 1253 as on 31 March, 2017. During the year ended 31 March, 2018, total Business of the Bank stood at Rs. 1,71,464.95 crore. The total deposits of the Bank stood at Rs. 85540.16 crore. Bank added 36 branches in the category of specialized MSME branches thus raising total number of Specialized MSME branches to 144. During the year ended 31 March, 2019, total Business of the Bank stood at Rs. 1,71,305.07 crore. The total deposits of the Bank stood at Rs. 98,557.60 crore. Bank increased 36 branches in the category of specialized MSME branches thus raising total number of Specialized MSME branches to 144. During the year 2020, total Business of the Bank stood at Rs. 1,52,231.75 crore. Total deposits of the Bank stood at Rs. 89667.55 crore as at 31 March, 2020. The Bank had 1526 branches as on 31 March, 2020. Total business of the Bank increased by 7.68% reached at Rs. 163919.35 crore as on 31 March, 2021. Total deposits of the Bank stood at Rs. 96108.180 crore as on 31 March, 2021. The Bank had 1537 branches as on 31 March, 2021. Total business of the Bank increased by 5.25% reached at Rs. 172524.10 crore as on 31 March, 2022. Total deposits of the Bank stood at Rs. 102137.10 crore as on 31 March, 2022. The Bank had 1530 branches as on 31 March, 2022. Total business of the Bank increased by 10.50% reached at Rs.190647.22 crore as on 31.03.2023. Total deposits of the Bank stood at Rs.109665.49 crore as on 31.03.2023. The Bank's branch network was expanded by opening 28 new branches across India during 2023. which stood at 1531 branches as on 31 March, 2023. The Bank expanded the ATM network to 1097 as on 31.03.2023.

Punjab & Sind Bank News Hub

News

Punjab & Sind Bank to conduct EGM

Punjab & Sind Bank announced that an Extra Ordinary General Meeting (EGM) of the Company w...

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29 May 202415:02

News

Punjab & Sind Bank spurts 3.66%, up for five straight sessions

Punjab & Sind Bank rose for a fifth straight session today. The stock is quoting at Rs 60....

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18 May 202413:00

News

Board of Punjab & Sind Bank recommends final dividend

Punjab & Sind Bank announced that the Board of Directors of the Company at its meeting hel...

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11 May 202409:41

News

Punjab & Sind Bank down for fifth straight session

Punjab & Sind Bank is down for a fifth straight session today. The stock is quoting at Rs ...

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07 May 202413:35

News

Punjab & Sind Bank to conduct EGM

Punjab & Sind Bank announced that an Extra Ordinary General Meeting (EGM) of the Company w...

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03 May 202414:56

News

Punjab & Sind Bank to declare Quarterly Result

Punjab & Sind Bank will hold a meeting of the Board of Directors of the Company on 10 May ...

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03 May 202417:09

Product Composition by Percentage (Revenue)

FAQs for PE of Punjab & Sind Bank

What is Punjab & Sind Bank current share price?

The current market price of Punjab & Sind Bank as of June 13, 2024 is ₹63.02.

What is Punjab & Sind Bank's market cap?

Punjab & Sind Bank's market capitalisation stood at ₹41,371 Cr as of June 13, 2024

What are Punjab & Sind Bank's total net assets?

According to Punjab & Sind Bank's most recent financial filings, the company's net assets total ₹13360.1 Cr.

Is Punjab & Sind Bank making a profit or loss?

Punjab & Sind Bank's net Profit as of June 13, 2024 is close to ₹595 Cr.
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