BSE: PSB - Punjab & Sind Bank

Yield per half year: -31.36%
Dividend yield: +0.81%
Sector: Financials

Reporting Punjab & Sind Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									201.3
Выручка, млрд ₹			28.4	27.36	30.63	36.63	39.13	37.09	37.09	34.17	6.27
Чистая прибыль, млрд ₹	2.01	-7.44	-5.43	-9.91	-27.33	10.39	13.13	5.95	5.95	-1.5540	-190.30
EV, млрд ₹							189.61	404.35	404.35	296.98	46.03
Баланс стоимость, млрд ₹			57.01	55.96	83.63	140.11	151.09	155.33	155.33	117.22	22.65
FCF, млрд ₹			-1.68	21.46	-62.94	-61.19	1 338.05	15.2	15.2	250.12	-6.67
Операционный денежный поток, млрд ₹	52.15	-151.23	30.71	111	-122.88	-120.27	-61	17.49	17.49	-35.1320	-30.90
CAPEX, млрд ₹	0.3328	0.5128	0.7087	0.6435	4.46	1.21	0.9031	2.29	2.29	1.90	28.90

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ₹	9.15	9.43	12.04	9.16	9.43	11.01	7.49	10.44	12.32	12.77	10.81	3.01
Чистая прибыль, млрд ₹	2.78	3.73	4.57	1.53	1.89	1.14	1.39	1.82	2.4	2.82	1.91	19.86
EV, млрд ₹	123.82	233.83	174.06	221.19	320.88	312.96	404.35	438.45	402.49	375.32	386.71	3.70
Баланс стоимость, млрд ₹	142.83	146.52	151.09	152.61	151.23	152.37	155.33	113.92	115.77	117.85	131.05	-5.01

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			66.18	125.56	116.57	90.47	62.97	90.57	90.57	97.23	-6.32
Long term investments ₹			261.73	245.52	320.23	417.7	448.38			338.71	11.37
Total Receivables ₹							0.7132		0.7132	0.7132	0.00
Total Current Assets ₹	79.21	114.62	100.34	133.51	125.97	101.3	62.97		62.97	104.82	-8.90
Чистые активы, млрд ₹	10.95	10.83	12.3	12.41	15.85	15.77	15.19		15.19	14.30	4.31
Активы, млрд ₹			1 089.82	1 005.04	1 104.82	1 210.68	1 364.55	1 476.57	1 476.57	1232.33	8.00
Задолженность, млрд ₹			1 032.81	949.07	1 021.19	1 070.57	1 213.46	1 321.23	1 321.23	1115.10	6.84
Чистый долг, млрд ₹							27.22	1.14	1.14	14.18	-79.54
Долг, млрд ₹									90.18
Interest income ₹			85.59	79.3	69.74	70.96	79.93			77.10	-1.36
Расходы на обслуживание долга ₹			62.79	58.72	47.12	44.44	50.19	68.53	68.53	53.80	3.14
Чист. проц. доходы, млрд ₹			22.8	20.58	22.62	26.51	29.73	96.94	79.93	39.28	36.34

	2019Q3	2020Q1	2020Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹								60.7	75.6	78.52	69.96	67.27	66.86	90.57	72.18	68.55	70.91	73.81	1.18
Long term investments ₹				371.08	371.8	417.7	435.59	471.82	461.28	387.51	484.05	487.88	498.81					463.91	1.58
Total Receivables ₹	10.08		0.7443															5.41	-72.83
Total Current Assets ₹	79.87	133.51	60.22					60.7	75.6									81.98	-1.09
Чистые активы, млрд ₹	12.45	12.41	12.3					15.31	15.19									13.53	4.06
Активы, млрд ₹								1 302.7	1 352.39	1 364.55	1 409.33	1 421.54	1 452.61	1 476.57	1 448.86	1 482.8	1 547.08	1481.58	1.27
Задолженность, млрд ₹								1 159.86	1 205.88	1 213.46	1 256.72	1 270.31	1 300.24	1 321.23	1 334.95	1 367.03	1 429.23	1350.54	1.91
Чистый долг, млрд ₹								23.17	12.2	11.67	19.89	12.29	21.24	1.14	31.64	29.3	55.21	27.71	21.05
Interest income ₹				17.41	18.71	17.93	18	19.8	21.07	21.05	23.16	24.06	24.91					22.85	3.41
Расходы на обслуживание долга ₹								12.05	13.02	14.21	15.78	17.31	17.52	17.92	18.02	18.66	19.92	18.41	2.60
Чист. проц. доходы, млрд ₹						6.98	7.09	7.75	8.05	6.84	7.38	6.75	7.39	24.81	26.52			14.57	29.15

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	8.39	5.02	-18.34	-9.62	-15.62	-40.88	1.53	1.94	0.8785		0.8785	-10.4303	-156.24
Цена акции ао		49.1	32.9	21.1	13.35	16.1	33.9	43.15	48.03	39.14	39.14	36.06	19.44
Число акций ао, млн				564.91	701.05	4052.67	6777.79	6777.79	6777.79		6777.79	5017.42	57.42
FCF/акцию				-2.98	30.6	-15.53	-9.03	197.42	2.24		2.24	41.14	-40.72

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
EPS					0.4103	0.5507	0.6742	0.2253	0.279	0.1687	0.2056	0.2678	0.3535	0.416	0.2823	19.78
Цена акции ао	18.23	17.21	16.26	15.42	15.26	23.35	28.22	31.46	36.57	42.37					32.39	12.66

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	-9.53	-17.7	-32.68	9.29	9.02	3.89		3.89	13.90	-5.6360	-173.86
ROA, %	-0.4987	-0.9858	-2.47	0.8975	1.02	0.4191		0.4191	2.81	-0.2238	-184.28
ROS, %	-19.13	-36.22	-89.21	28.37	33.55	16.05	16.05	16.05	59.51	0.9620	-170.96
ROCE, %							0	0	2.58
Ebit margin, %							0	0
Рентаб EBITDA, %							0	0	10.51
Чистая рентаб, %	-19.13	-36.22	-89.21	28.37	33.55	16.05		16.05	59.51	-9.4920	-184.98
Operation Margin, %					0	0	0	0	13.65

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %	1.95	2.55	3.02	1.04	1.27	0.7566	0.9146	1.23	1.73	2.17	13.90	1.36	23.46
ROA, %	0.2135	0.276	0.3349	0.1101	0.1336	0.0795	0.0951	0.1241	0.1635	0.1861	2.81	0.1297	18.54
ROS, %	30.38	39.6	37.97	16.66	20.05	10.38	18.61	17.39	19.45	22.08	59.51	17.58	16.29
Чистая рентаб, %	30.38	39.6	37.97	16.66	20.05	10.38	18.61	17.39	19.45	22.08	59.51	17.58	16.29

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E				10.34	12.37	67.72		67.72	29.43	30.14	87.10
P/BV	0.3086	0.1353	0.8941	0.7668	1.07	2.6		2.6	3.11	1.09	80.61
P/S	0.6196	0.2767	2.44	2.93	4.15	10.87		10.87	12.16	4.13	108.37
P/FCF					0.1504	13.25	13.25	13.25	5.80	8.88	344.96
E/P					0.0652	0.0296	0.0296	0.0296	0.10	0.0415	-23.14
EV/EBIT						0	0	0
EV/S					4.85	10.9	10.9	10.9	8.38	8.88	30.99
EV/FCF					0.1417	26.61	26.61	26.61	-6.20	17.79	472.65
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.0661	0.0611	0.0611	0.0611	0.24	0.0628	-2.59
Debt/Equity					0	5.94	5.94	5.94	239.18	5.94	0.00
Debt/Net Income					6.87	15.15	15.15	15.15	12.31	12.39	30.16
Бета					2.64	2.84	1.95	1.95	1.82	2.48	-9.61
Индекс Альтмана					0.2192	8.19	8.19	8.19	1.07	5.53	234.31

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	7.56	18.44	12.37	15.96	26.33	31.95	67.72	65.17	55.31	38		29.43	51.63	3.53
P/BV	0.7047	1.51	1.07	1.32	2.04	1.91	2.6	3.57	3.22	2.72		3.11	2.80	7.33
P/S	2.36	6.08	4.18	5.06	7.7	7.01	10.87	10.6	9.05	7.44		12.16	8.99	1.20
EV/S				24.14	34.02	28.43	53.99	42.01	32.68	29.39		8.38	37.30	0.67
Бета											1.95	1.82	1.95	0.00
Индекс Альтмана											8.19	1.07	8.19	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2011	2012	2013	2014	2015	2016	2017	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд								2.1	2.1	2.1	2.1	3.25		3.25		2.33	9.13
Дивиденд	2	2	2.68	2.2	0.6	1.65					0.31	0.48	0.2	0.2		0.6480	-19.73
Див доход, ао, %		2.89	4.95	3.94	1.32	3.74	3.28				1.77	0.9706	0.81	0.81	1.40	2.11	-26.36
Дивиденды / прибыль, %									-21.21	-7.69	20.22	16	54.64	54.64	17.81	12.39	-220.84

	2011Q2	2012Q2	2013Q2	2014Q1	2014Q2	2015Q2	2016Q2	2022Q3	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	2	2	2.68	1.6	0.6	0.6	1.65	0.31	0.48		0.7280	-4.36
Див доход, ао, %	1.92	2.88	4.55	3.72	1.03	1.29	4.12	2.03	1.31	1.40	1.96	4.93

	Industry average	5 quarters average	CAGR 5

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