Punjab & Sind Bank: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 11:04 am

Market Cap	28,229 Cr.
Current Price	41.6
High / Low	73.6/37.0
Stock P/E	33.5
Book Value	17.4
Dividend Yield	0.48 %
ROCE	5.59 %
ROE	3.88 %
Face Value	10.0
PEG Ratio	0.61

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Punjab & Sind Bank

Competitors of Punjab & Sind Bank

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Union Bank of India	89,909 Cr.	118	172/101	5.50	147	3.06 %	6.55 %	15.6 %	10.0
UCO Bank	44,763 Cr.	37.4	62.4/34.0	19.3	24.0	0.75 %	5.34 %	6.22 %	10.0
State Bank of India (SBI)	6,53,952 Cr.	733	912/680	8.24	538	1.87 %	6.16 %	17.3 %	1.00
Punjab National Bank	1,04,781 Cr.	91.2	143/85.5	6.22	114	1.65 %	5.46 %	8.54 %	2.00
Punjab & Sind Bank	28,229 Cr.	41.6	73.6/37.0	33.5	17.4	0.48 %	5.59 %	3.88 %	10.0
Industry Average	112,242.31 Cr	165.35		11.57	96.47	1.95%	22.60%	12.68%	7.46

All Competitor Stocks of Punjab & Sind Bank

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	1,871	1,793	1,800	1,980	2,107	2,105	2,316	2,406	2,491	2,481	2,652	2,739	2,931
Interest	1,114	1,096	1,091	1,205	1,302	1,421	1,578	1,731	1,752	1,792	1,802	1,866	1,992
Expenses	622	463	542	723	391	638	682	648	920	875	831	924	902
Financing Profit	135	234	167	52	414	46	56	27	-181	-186	19	-52	36
Financing Margin %	7%	13%	9%	3%	20%	2%	2%	1%	-7%	-8%	1%	-2%	1%
Other Income	171	215	115	140	138	547	179	268	362	413	194	359	338
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	306	449	282	193	552	593	234	295	181	227	213	307	375
Tax %	2%	23%	27%	-44%	32%	23%	35%	36%	37%	39%	15%	22%	25%
Net Profit	301	346	205	278	373	457	153	189	114	139	182	240	282
EPS in Rs	0.74	0.51	0.30	0.41	0.55	0.67	0.23	0.28	0.17	0.21	0.27	0.35	0.42
Gross NPA %	14.44%	12.17%	11.34%	9.67%	8.36%	6.97%	6.80%	6.23%	5.70%	5.43%	4.72%	4.21%	3.83%
Net NPA %	3.01%	2.74%	2.56%	2.24%	2.02%	1.84%	1.95%	1.88%	1.80%	1.63%	1.59%	1.46%	1.25%

Last Updated: February 28, 2025, 5:38 pm

Below is a detailed analysis of the quarterly data for Punjab & Sind Bank based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹1,992.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,866.00 Cr. (Sep 2024) to ₹1,992.00 Cr., marking an increase of ₹126.00 Cr..
For Expenses, as of Dec 2024, the value is ₹902.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 924.00 Cr. (Sep 2024) to ₹902.00 Cr., marking a decrease of 22.00 Cr..
For Other Income, as of Dec 2024, the value is ₹338.00 Cr.. The value appears to be declining and may need further review. It has decreased from 359.00 Cr. (Sep 2024) to ₹338.00 Cr., marking a decrease of 21.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹375.00 Cr.. The value appears strong and on an upward trend. It has increased from 307.00 Cr. (Sep 2024) to ₹375.00 Cr., marking an increase of ₹68.00 Cr..
For Tax %, as of Dec 2024, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 22.00% (Sep 2024) to 25.00%, marking an increase of 3.00%.
For Net Profit, as of Dec 2024, the value is ₹282.00 Cr.. The value appears strong and on an upward trend. It has increased from 240.00 Cr. (Sep 2024) to ₹282.00 Cr., marking an increase of ₹42.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.42. The value appears strong and on an upward trend. It has increased from ₹0.35 (Sep 2024) to 0.42, marking an increase of ₹0.07.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:06 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	7,340	7,973	8,589	8,744	8,173	7,949	8,559	7,930	6,974	7,096	7,993	9,694	10,804
Interest	5,699	6,352	6,909	6,569	6,014	5,714	6,279	5,872	4,712	4,444	5,019	6,853	7,453
Expenses	1,523	1,742	1,915	2,110	2,536	3,347	3,981	4,423	6,468	2,287	2,145	2,975	3,533
Financing Profit	118	-121	-235	66	-377	-1,112	-1,702	-2,366	-4,206	364	828	-134	-182
Financing Margin %	2%	-2%	-3%	1%	-5%	-14%	-20%	-30%	-60%	5%	10%	-1%	-2%
Other Income	394	427	429	478	578	581	828	897	904	959	940	1,221	1,304
Depreciation	27	60	46	46	0	64	-15	54	102	137	148	150	0
Profit before tax	486	246	147	498	201	-595	-859	-1,522	-3,404	1,187	1,620	937	1,122
Tax %	30%	-22%	18%	33%	0%	25%	-37%	-35%	-20%	12%	19%	36%
Net Profit	339	301	121	336	201	-744	-543	-991	-2,733	1,039	1,313	595	842
EPS in Rs	13.35	10.92	3.03	8.39	5.02	-13.17	-9.62	-14.13	-6.74	1.53	1.94	0.88	1.25
Dividend Payout %	20%	20%	20%	20%	0%	0%	0%	0%	0%	20%	25%	23%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-11.21%	-59.80%	177.69%	-40.18%	-470.15%	27.02%	-82.50%	-175.78%	138.02%	26.37%	-54.68%
Change in YoY Net Profit Growth (%)	0.00%	-48.59%	237.49%	-217.86%	-429.97%	497.17%	-109.52%	-93.28%	313.80%	-111.65%	-81.06%

Punjab & Sind Bank has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	2%
5 Years:	3%
3 Years:	12%
TTM:	16%

Compounded Profit Growth
10 Years:	7%
5 Years:	25%
3 Years:	30%
TTM:	-8%

Stock Price CAGR
10 Years:	-3%
5 Years:	27%
3 Years:	36%
1 Year:	-34%

Return on Equity
10 Years:	-2%
5 Years:	-1%
3 Years:	7%
Last Year:	4%

Last Updated: Unknown

Balance Sheet

Last Updated: February 12, 2025, 3:00 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	254	275	400	400	400	565	565	701	4,053	6,778	6,778	6,778
Reserves	4,150	4,536	5,196	5,570	5,742	5,618	5,136	4,895	4,310	7,233	8,331	8,756
Borrowings	73,382	87,235	89,763	94,089	88,499	105,409	101,272	92,881	98,752	104,581	118,684	129,180
Other Liabilities	2,692	2,463	2,394	2,522	2,002	2,167	2,009	2,027	3,367	2,476	2,662	2,943
Total Liabilities	80,478	94,509	97,753	102,581	96,643	113,759	108,982	100,504	110,482	121,068	136,455	147,657
Fixed Assets	844	1,003	995	1,133	1,095	1,083	1,230	1,241	1,585	1,577	1,519	1,756
CWIP	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Investments	22,542	28,294	24,007	27,645	27,948	32,982	26,173	24,552	32,023	42,281	44,838	49,599
Other Assets	57,091	65,212	72,752	73,803	67,600	79,695	81,579	74,711	76,874	77,209	90,097	96,302
Total Assets	80,478	94,509	97,753	102,581	96,643	113,759	108,982	100,504	110,482	121,068	136,455	147,657

Below is a detailed analysis of the balance sheet data for Punjab & Sind Bank based on the most recent figures (Mar 2024) and their trends compared to the previous period:

For Equity Capital, as of Mar 2024, the value is ₹6,778.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded ₹6,778.00 Cr..
For Reserves, as of Mar 2024, the value is ₹8,756.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹8,331.00 Cr. (Mar 2023) to ₹8,756.00 Cr., marking an increase of 425.00 Cr..
For Borrowings, as of Mar 2024, the value is ₹129,180.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹118,684.00 Cr. (Mar 2023) to ₹129,180.00 Cr., marking an increase of 10,496.00 Cr..
For Other Liabilities, as of Mar 2024, the value is ₹2,943.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹2,662.00 Cr. (Mar 2023) to ₹2,943.00 Cr., marking an increase of 281.00 Cr..
For Total Liabilities, as of Mar 2024, the value is ₹147,657.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹136,455.00 Cr. (Mar 2023) to ₹147,657.00 Cr., marking an increase of 11,202.00 Cr..
For Fixed Assets, as of Mar 2024, the value is ₹1,756.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1,519.00 Cr. (Mar 2023) to ₹1,756.00 Cr., marking an increase of 237.00 Cr..
For CWIP, as of Mar 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2023) which recorded ₹0.00 Cr..
For Investments, as of Mar 2024, the value is ₹49,599.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹44,838.00 Cr. (Mar 2023) to ₹49,599.00 Cr., marking an increase of 4,761.00 Cr..
For Other Assets, as of Mar 2024, the value is ₹96,302.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹90,097.00 Cr. (Mar 2023) to ₹96,302.00 Cr., marking an increase of 6,205.00 Cr..
For Total Assets, as of Mar 2024, the value is ₹147,657.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹136,455.00 Cr. (Mar 2023) to ₹147,657.00 Cr., marking an increase of 11,202.00 Cr..

However, the Borrowings (129,180.00 Cr.) are higher than the Reserves (₹8,756.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-26	2,469	-1,982	930	-495	1,063	-97	2,210	-5,848	-5,999	1,428	1,749
Cash from Investing Activity +	-82	-58	-84	-38	-33	-51	-61	-63	-446	-121	-88	-229
Cash from Financing Activity +	-129	-165	-39	-209	216	1,531	-356	814	5,055	4,068	-1,332	-434
Net Cash Flow	-236	2,246	-2,105	683	-313	2,543	-514	2,960	-1,239	-2,051	8	1,086

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-72.00	-86.00	-88.00	-92.00	-86.00	-102.00	-98.00	-88.00	-92.00	-102.00	-116.00	-127.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	8%	7%	2%	6%	3%	-12%	-9%	-18%	-39%	9%	9%	4%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
Promoters	97.07%	97.07%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%	98.25%
FIIs	0.03%	0.01%	0.00%	0.00%	0.01%	0.00%	0.01%	0.00%	0.03%	0.01%	0.02%	0.00%
DIIs	1.06%	1.06%	0.64%	0.66%	0.66%	0.67%	0.67%	0.66%	0.68%	0.65%	0.65%	0.65%
Public	1.84%	1.85%	1.11%	1.09%	1.07%	1.08%	1.07%	1.10%	1.05%	1.09%	1.09%	1.11%
No. of Shareholders	1,26,326	1,28,880	1,30,728	1,31,351	1,30,506	1,46,843	1,46,968	1,45,385	1,55,115	1,56,109	1,84,679	1,91,445

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Nippon India ETF Nifty PSU Bank BeES	1,138,296	0.29	7.54	1,138,296	2025-03-06	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
Face Value	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	0.88	1.94	2.56	-35.71	-15.76
Diluted EPS (Rs.)	0.88	1.94	2.56	-35.71	-15.76
Cash EPS (Rs.)	1.10	2.16	1.74	-6.49	-13.36
Book Value[Excl.RevalReserv]/Share (Rs.)	22.92	22.29	20.67	20.64	79.83
Book Value[Incl.RevalReserv]/Share (Rs.)	22.92	22.29	20.67	20.64	79.83
Dividend / Share (Rs.)	0.20	0.48	0.31	0.00	0.00
Operating Revenue / Share (Rs.)	14.30	11.79	10.47	17.21	113.11
Net Profit / Share (Rs.)	0.87	1.94	1.53	-6.74	-14.13
Interest Income / Employee (Rs.)	0.00	0.00	8123423.24	7896189.20	8947783.91
Net Profit / Employee (Rs.)	0.00	0.00	1189530.17	-3094316.58	-1118030.13
Business / Employee (Rs.)	0.00	0.00	189769405.95	177819159.65	167094856.24
Interest Income / Branch (Rs.)	61981941.18	52002156.15	46499411.53	45700617.96	51962818.48
Net Profit / Branches (Rs.)	3807032.61	8542804.16	6809007.86	-17908914.81	-6492780.47
Business / Branches (Rs.)	1292493161.76	1213304612.23	1086261966.58	1029160431.19	970376550.46
Net Profit Margin (%)	6.14	16.42	14.64	-39.18	-12.49
Operating Profit Margin (%)	-6.45	4.66	1.12	-52.13	-23.81
Return On Assets (%)	0.40	0.96	0.85	-2.47	-0.98
Return On Equity / Networth (%)	3.83	8.69	7.41	-32.67	-17.70
Net Interest Margin (X)	1.92	2.17	2.18	2.04	2.04
Cost To Income (%)	72.16	62.94	63.16	75.63	62.87
Interest Income / Total Assets (%)	6.56	5.85	5.86	6.31	7.88
Non-Interest Income / Total Assets (%)	0.82	0.68	0.79	0.81	0.89
Operating Profit / Total Assets (%)	-0.42	0.27	0.06	-3.29	-1.87
Operating Expenses / Total Assets (%)	1.98	1.80	1.88	2.16	1.84
Interest Expenses / Total Assets (%)	4.64	3.67	3.67	4.26	5.84
Enterprise Value (Rs.Cr.)	162358.44	129863.83	108913.09	98675.91	84173.88
EV Per Net Sales (X)	16.75	16.25	15.35	14.15	10.62
Price To Book Value (X)	2.61	1.15	0.74	0.85	0.13
Price To Sales (X)	4.18	2.18	1.48	1.02	0.09
Retention Ratios (%)	45.36	83.99	100.00	100.00	100.00
Earnings Yield (X)	0.01	0.07	0.09	-0.38	-1.27

After reviewing the key financial ratios for Punjab & Sind Bank, here is a detailed analysis based on the latest available data and recent trends:

For Basic EPS (Rs.), as of Mar 24, the value is 0.88. This value is below the healthy minimum of 5. It has decreased from 1.94 (Mar 23) to 0.88, marking a decrease of 1.06.
For Diluted EPS (Rs.), as of Mar 24, the value is 0.88. This value is below the healthy minimum of 5. It has decreased from 1.94 (Mar 23) to 0.88, marking a decrease of 1.06.
For Cash EPS (Rs.), as of Mar 24, the value is 1.10. This value is below the healthy minimum of 3. It has decreased from 2.16 (Mar 23) to 1.10, marking a decrease of 1.06.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 22.92. It has increased from 22.29 (Mar 23) to 22.92, marking an increase of 0.63.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 22.92. It has increased from 22.29 (Mar 23) to 22.92, marking an increase of 0.63.
For Dividend / Share (Rs.), as of Mar 24, the value is 0.20. This value is below the healthy minimum of 1. It has decreased from 0.48 (Mar 23) to 0.20, marking a decrease of 0.28.
For Net Profit / Share (Rs.), as of Mar 24, the value is 0.87. This value is below the healthy minimum of 2. It has decreased from 1.94 (Mar 23) to 0.87, marking a decrease of 1.07.
For Net Profit Margin (%), as of Mar 24, the value is 6.14. This value is within the healthy range. It has decreased from 16.42 (Mar 23) to 6.14, marking a decrease of 10.28.
For Return On Assets (%), as of Mar 24, the value is 0.40. This value is below the healthy minimum of 5. It has decreased from 0.96 (Mar 23) to 0.40, marking a decrease of 0.56.
For Retention Ratios (%), as of Mar 24, the value is 45.36. This value is within the healthy range. It has decreased from 83.99 (Mar 23) to 45.36, marking a decrease of 38.63.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Punjab & Sind Bank as of March 12, 2025 is: ₹18.18

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Punjab & Sind Bank is Overvalued by 56.30% compared to the current share price 41.60

Intrinsic Value of Punjab & Sind Bank as of March 12, 2025 is: 28.21

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Punjab & Sind Bank is Overvalued by 32.19% compared to the current share price 41.60

Last 5 Year EPS CAGR: 55.15%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Punjab & Sind Bank:
1. Net Profit Margin: 6.14%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 0% (Industry Average ROCE: 22.6%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 0% (Industry Average ROE: 12.68%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 0
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 0
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 33.5 (Industry average Stock P/E: 11.57)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

What is the latest intrinsic value of Punjab & Sind Bank?

The latest intrinsic value of Punjab & Sind Bank as on 10 March 2025 is ₹18.18, which is 56.30% lower than the current market price of 41.60, indicating the stock is overvalued by 56.30%. The intrinsic value of Punjab & Sind Bank is calculated using PE ratio method. The stock has a market capitalization of ₹28,229 Cr. and recorded a high/low of ₹73.6/37.0 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹8,756 Cr and total liabilities of ₹147,657 Cr.

What is the Market Cap of Punjab & Sind Bank?

The Market Cap of Punjab & Sind Bank is 28,229 Cr..

What is the current Stock Price of Punjab & Sind Bank as on 10 March 2025?

The current stock price of Punjab & Sind Bank as on 10 March 2025 is ₹41.6.

What is the High / Low of Punjab & Sind Bank stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Punjab & Sind Bank stocks is ₹73.6/37.0.

What is the Stock P/E of Punjab & Sind Bank?

The Stock P/E of Punjab & Sind Bank is 33.5.

What is the Book Value of Punjab & Sind Bank?

The Book Value of Punjab & Sind Bank is 17.4.

What is the Dividend Yield of Punjab & Sind Bank?

The Dividend Yield of Punjab & Sind Bank is 0.48 %.

What is the ROCE of Punjab & Sind Bank?

The ROCE of Punjab & Sind Bank is 5.59 %.

What is the ROE of Punjab & Sind Bank?

The ROE of Punjab & Sind Bank is 3.88 %.

What is the Face Value of Punjab & Sind Bank?

The Face Value of Punjab & Sind Bank is 10.0.