NSE: PSB - Punjab & Sind Bank

Yield per half year: -40.6%
Dividend yield: +0.81%
Sector: Financials

Reporting Punjab & Sind Bank

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	300.89	292.73	345.24	221.93	163.4	93.75	117.07	118.84	234.68		224.41	145.55	7.51
Выручка, млрд ₹		26.54	27.38	28.17	28.4	27.36	30.63	36.63	39.13	35.27	35.27	33.80	5.21
Чистая прибыль, млрд ₹		3.36	2.01	-7.44	-5.43	-9.91	-27.33	10.39	13.13	5.95	5.95	-1.5540	-190.30
EV, млрд ₹		270.7	330.54	160.54	125.01	-90.98	-77.78	-1.69	189.21	312.37	312.37	66.23	-227.98
EBIT, млрд ₹		3.36	1.87	-7.44	54.2	-5.13	-28.35	11.87	11.65	9.37	9.37	-0.1180	-212.80
EBITDA, млрд ₹		3.53	2.3	-6.8	54.05	-4.59	-27.33	13.24	13.13	10.87	10.87	1.06	-218.82
Баланс стоимость, млрд ₹		59.7	61.42	61.83	57.01	55.96	83.63	140.11	151.09	155.33	155.33	117.22	22.65
FCF, млрд ₹		8.92	-5.29	10.12	-1.68	21.46	-62.94	-61.19	1 338.05	26.07	26.07	252.29	3.97
Операционный денежный поток, млрд ₹		9.3	-5.09	10.63	-0.9734	22.1	-58.48	-59.99	1 428.36	17.49	17.49	269.90	-4.57
Операционная прибыль, млрд ₹		3.36	2.01	-7.44	54.2	-5.13	-28.35	9.02	-135.2	10.13	10.13	-29.9060	-214.58
Операционные расходы, млрд ₹		13.84	14.96	16.72	17.47	19.06	24.66	24.18	18.22	25.14	25.14	22.25	5.69
CAPEX, млрд ₹		0.3793	0.1984	0.5139	0.7087	0.6435	4.46	1.21	90.31	2.29	2.29	19.78	28.90

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q2	2018Q4	2019Q1	2019Q2	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹	396.71	255.82	334.08	320.48			188.85			127.35				80.22			114.23				157.38				287.17					153.27	17.66
Выручка, млрд ₹																				9.15	9.43	12.31	9.16	9.43	11.01	28.94	28.46	30.98	12.77	22.43	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 ₹																				125.6	233.77	189.21	221.19	320.68	313.37	418.37	438.18	309.46	246.16	345.11	-4.71
EBIT, млрд ₹																		7.5	5.64	3.85	11.04	8.79	4.68	5.9	3.61		2.13	20.82		7.43	34.79
EBITDA, млрд ₹																			2.82	1.93	5.52	5.93	2.34	2.95	1.81	-2.27	0	3.07		1.58	5.58
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
FCF, млрд ₹					2.53	2.53	-0.4205	-0.4205	-0.4205	5.36	5.36	5.36	5.36											-60.07						-7.7260	-262.14
Операционный денежный поток, млрд ₹										5.52	5.52	5.52	5.52		-58.48	15.87		-59.99		10.82		14.28		-59.6						-15.7240	-230.30
Операционная прибыль, млрд ₹																				1.93	5.52	5.93	2.34	2.95	1.81	2.27	2.13	20.82	2.78	5.96	8.96
Операционные расходы, млрд ₹																				6.59	6.62	-0.1429	7.48	6.85	6	2.53	2.67	12.32	9.99	6.70	10.73
CAPEX, млрд ₹										0.1609	0.1609	0.1609	0.1609		4.46	0.5979		1.21		0.2683		0.9031		0.4685						0.6896	-4.76

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			78.81	73.87	106.91	66.18	125.56	116.57	90.47	62.97	90.57	90.57	97.23	-6.32
Short Term Investments ₹		27.45	29.78	27.98	35.58	28.78	-121.62	-102.79	86.19	59.02		59.02	-10.0840	15.45
Long term investments ₹	276.77	229.56	266.27	279.49	329.82	261.73	245.52	320.23	422.81	448.38			339.73	11.37
Total Receivables ₹			8.56	8.48	10.72	9.72	9.82	9.79	12.36	16.53	18.36	18.36	13.37	13.33
Total Current Assets ₹			87.36	82.35	117.62	75.9	3.94	13.78	4.29	3.95	88.84	88.84	22.96	86.48
Чистые активы, млрд ₹		9.95	11.33	10.95	10.83	12.3	12.41	15.85	15.77	15.19		15.19	14.30	4.31
Активы, млрд ₹			1 025.81	966.43	1 137.59	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
Short Term Debt ₹	23.05	30.48	28.39	29.58	8.69	0.65			10.83	71.27	74.35	74.35	33.16	53.62
Long Term Debt ₹		30.48	28.39	29.58	36.83	27.14	32.13	26.44	24.44	90.18		90.18	40.07	27.15
Задолженность, млрд ₹			966.11	905.01	1 075.77	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 ₹			-58.37	-44.29	-77.58	-39.04	-97.84	-90.14	-66.04	27.22	-90.57	-90.57	-63.4740	-1.53
Долг, млрд ₹			56.78	59.17	45.52	27.79	27.72	26.44	35.27	161.46	97.71	97.71	69.72	28.66
Interest income ₹				81.73	79.49	85.59	79.3	69.74	70.96	79.93			77.10	-1.36
Расходы на обслуживание долга ₹			65.69	60.14	57.14	62.79	58.72	47.12	44.44	50.19	68.53	68.53	53.80	3.14
Чист. проц. доходы, млрд ₹			21.76	21.59	22.35	22.8	20.58	22.62	26.51	29.73	96.94	79.93	39.28	36.34
Амортизация, млрд ₹			0.1691	0.4246	0.6411	-0.1472	0.5391	1.02	1.37	1.48	1.5	1.5	1.18	22.71
Себестоимость, млрд ₹											-1.82	-1.82	-1.8200	0.00
Товарно материальные запасы ₹			-56.01	-79.25	-114.66	-100.34	-143.33	-107.76	86.06	91.67	92.19	92.19	3.77	-191.55

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2019Q1	2020Q3	2020Q4	2021Q1	2021Q2	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	62.97	69.96	67.27	66.86	73.83	72.18	68.55	70.91	70.47	1.18
Short Term Investments ₹	27.98				35.58		28.78																144.35			59.17	50.71
Long term investments ₹												371.08	371.8	422.81	435.59	471.82	461.28	448.38	484.05	487.88	498.81					476.08	1.58
Total Receivables ₹								3.01	11.81	9.79	7.95		2.95	12.36	1.67	5.39		16.53				18.36				10.86	8.24
Total Current Assets ₹																60.7	75.6	79.5	69.96	67.27	66.86	73.83	72.18	68.55	70.91	70.47	1.18
Чистые активы, млрд ₹											15.93	15.82	15.64	15.77	15.53	15.31	15.19	15.19	14.98	14.87						15.11	-0.58
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
Short Term Debt ₹	29.58	42.58	33.59	52.42	8.69	34.33	0.65							10.83				71.27				74.35				38.29	16.71
Long Term Debt ₹											26.44	26.3	23.03	24.44	66.56	83.87	87.8	90.18	89.85	79.56						86.25	-1.05
Задолженность, млрд ₹																83.87	87.8	1 213.46	89.85	79.56	88.11	1 321.23	1 334.95	1 367.03	1 429.23	1108.11	74.59
Чистый долг, млрд ₹																23.17	12.2	27.22	19.89	12.29	21.24	23.88	31.64	-68.55	-70.91	-12.5400	-227.27
Долг, млрд ₹														35.27	66.56	83.87	87.8	161.46	89.85	79.56	88.11	97.71	103.82			91.81	2.93
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
Амортизация, млрд ₹															-2.82	-1.93	-5.52	-2.86	-2.34	-2.95	-1.81	-2.27	-2.13	-17.75		-5.3820	43.18
Себестоимость, млрд ₹																				-0.3499				-18.66		-9.5050	630.27
Товарно материальные запасы ₹														-73.7				-75.14				92.19				-18.8833	-207.75

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS				-9.62	-15.75	-35.71	2.56	1.94	0.8785		0.8785	-9.2163	-156.14
Цена акции ао		49	32.9	21	13.3	16.1	33.75	43.15	48.15	44.58	44.58	37.15	22.59
Число акций ао, млн	6635.71	6635.71	6635.71	6635.71	6635.71	6635.71	4060.1	6777.8	6777.8		6777.8	6177.42	0.42
FCF/акцию	1.34	-0.7967	1.52	-0.2535	3.23	-9.48	-15.07	197.42	3.85		3.85	35.99	3.57

	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS													0.41	0.55	0.6742	0.2253	0.279	0.1687	0.21	0.2678	0.35	0.42		0.2833	20.01
Цена акции ао										17.22	16.26	15.41	15.26	23.22	28.22	31.46	36.57	42.37					44.58	36.64	9.58
Число акций ао, млн			6635.71	6635.71	6635.71	6635.71	6635.71	6635.71	6635.71	6635.71				6777.79				6777.79						6692.54	0.42
FCF/акцию	-0.0405	0.9081	-0.7784	0.3359	-0.1992	0.3812	-0.0634	0.8083									-8.86							-1.5866	113.61

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			5.63	3.27	-12.03	-9.53	-17.7	-32.68	9.29	9.02	3.89		3.89	16.86	-5.6360	-173.86
ROA, %			0.3275	0.2081	-0.6538	-0.4987	-0.9858	-2.47	0.8975	1.02	0.4191		0.4191	4.25	-0.2238	-184.28
ROIC, %	3.94	1.24	3.45				-9.33	166.07	125.73	5.24			5.24	9.45	58.23	8.72
ROS, %				7.35	-26.41	-19.13	-36.22	-89.21	28.37	33.55	16.88	16.88	16.88	54.80	1.29	-171.68
ROCE, %				3.05	-12.03	95.07	-9.17	-33.9	0.9858	0.8586	0.9316	6.03	0.9316	24.84	-5.0188	-170.80
Ebit margin, %							-18.76	-111.13	32.4	29.76	26.57	26.57	26.57		0.8340	-175.11
Рентаб EBITDA, %				8.4	-24.13	190.32	-16.79	-89.21	36.14	33.55	30.82	30.82	30.82	61.18	8.42	-180.85
Чистая рентаб, %			12.66	7.35	-26.41	-19.13	-36.22	-89.21	28.37	33.55	16.88		16.88	54.80	-9.3260	-185.84
Operation Margin, %				7.35	-26.41	190.83	-18.76	-92.55	24.63	-345.49	28.72	28.72	28.72	58.07	-71.1940	-179.13
Доходность FCF, %	6.52	-6.87	3.05	-1.53	4.56	-1.03	22.89	-53.76	-51.49	570.15					97.35	-453.70

	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %										1.95	2.55	3.02	1	1.27	0.7566	0.9146	1.23	1.73	2.17		16.86	1.36	23.46
ROA, %										0.2135	0.276	0.3349	0.1083	0.1336	0.0795	0.0951	0.1241	0.1635	0.1861		4.25	0.1297	18.54
ROIC, %												2.13		2.23							9.45	2.18	2.32
ROS, %											39.6	37.13	16.66	20.05	10.38	4.81	6.38	7.73	22.08	16.88	54.80	11.58	28.54
ROCE, %									0.479	0.3162	0.8727	5.82	0.355	0.5314	0.2563		0.1601	1.54		6.03	24.84	1.70	62.55
Ebit margin, %														62.61	32.83		7.49	67.2		26.57		39.34	-15.75
Рентаб EBITDA, %										21.05	58.54	48.19	25.57	31.31	16.41	-7.84	0	9.92		30.82	61.18	16.12	-0.31
Чистая рентаб, %										30.38	39.6	37.13	16.66	20.05	10.38	4.81	6.38	7.73	22.08		54.80	10.28	16.29
Operation Margin, %											58.54	48.19	25.57	31.31	16.41	7.84	7.49	67.2	21.8	28.72	58.07	26.61	29.65
Доходность FCF, %	-0.059	2.05	-1.3	0.8713	-0.3956	0.7894	-0.2227	4.21														1.05	37.03

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	87.13	171.69	-29.84	-30.07	-9.46	-4.28	6.19	12.34	67.67		67.67	36.27	14.49	-248.22
P/BV	4.9	5.62	3.59	2.87	1.68	1.4	0.4593	1.07	2.59		2.59	3.47	1.44	9.04
P/S	11.03	12.61	7.88	5.75	3.43	3.82	1.76	4.14	11.42		11.42	11.05	4.91	27.20
P/FCF		-65.3	21.93	-97.14	4.37	-1.86	-1.94	0.1754	8.61	8.61	8.61	9.16	2.72	-235.86
E/P		0.0058	-0.0335	-0.0333	-0.1057	-0.2334	0.0874	0.0559	0.0265	0.0265	0.0265	0.14	-0.0074	-164.72
EV/EBIT					4.97	-0.5002	-0.142	16.25	33.34	33.34	33.34		16.46	-331.61
EV/EBITDA	76.71	143.76	-23.62	2.31	-2.07	-5.52	-0.1273	14.41	28.74		28.74	159.90	7.09	-269.24
EV/S		12.07	5.7	4.4	-0.9324	0.5558	-0.046	4.83	8.86	8.86	8.86	13.53	4.61	73.98
EV/FCF		-62.52	15.86	-74.32	-1.19	-0.2705	0.0275	0.1414	11.98	11.98	11.98	11.88	4.77	-313.43
Debt/EBITDA		25.73	-6.7	0.5141	0.6295	1.88	2.66	12.3	8.99	8.99	8.99	139.16	6.96	36.75
Netdebt/Ebitda		-19.26	11.41	-0.7223	21.3	3.3	-4.99	2.07	-8.33	-8.33	-8.33	-122.47	-3.2560	-220.34
Debt/Ratio		0.0612	0.04	0.0255	0.0276	0.0239	0.0291	0.1183	0.0662	0.0662	0.0662	0.30	0.0607	22.60
Debt/Equity		0.9633	0.7362	0.4874	0.4953	0.3161	0.2517	1.07	0.629	8.51	0.629	7.29	2.16	93.21
Debt/Net Income		29.42	-6.12	-5.11	-2.8	-0.9673	3.39	12.3	16.41	16.41	16.41	13.96	9.51	-276.16
PEG										51.69	51.69		51.69	0.00
Бета								1.63	3	-2.99	-2.99	1.48	0.5467	-222.41
Индекс Альтмана		0.3194	0.1463	0.1736	0.0342	-0.0669	0.0451	0.6153	0.101	0.101	0.101	1.00	0.1591	-208.59

	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q2	2018Q4	2019Q1	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E															6.56	42.17	12.35	15.97	26.31	31.99	67.34	64.81	55.42	37.85			36.27	51.48	3.42
P/BV															0.7171	1.07	1.07	0.1526	0.2298	0.2141	2.54	3.57	3.27	2.69			3.47	2.46	65.89
P/S															3.04	16.7	4.15	5.03	7.65	6.97	6.81	5.18	3.75	3.15			11.05	5.17	-14.69
P/FCF	-1695.41	48.78	-76.8	114.77	-252.76	126.68		-449.08		23.74																8.61	9.16	-108.5620	-150.87
E/P				0.0027	0.0023	-0.0081		0.0012		-0.0201	-0.2961	0.0263				0.0237				0.004						0.0265	0.14	-0.0431	-161.71
EV/EBIT																			54.31	86.71		205.5	14.86			33.34		78.94	-9.30
EV/EBITDA														1.94	2.19	3.79	11.68	94.43	19.15	24.04	86.55	175.86	118.47				159.90	84.81	43.98
EV/S						49.14												24.14	34	28.46	14.46	15.4	9.99	19.28		8.86	13.53	13.60	-9.33
EV/FCF						142.72													-5.34							11.98	11.88	49.79	-56.22
Debt/EBITDA														4.85	6	4.74	27.22	38.36	26.95	48.76	-43.08	103820000000				8.99	139.16	20764000008.32	-19.71
Netdebt/Ebitda															12.02	2.21	4.59	8.49	4.16	11.76	-10.53	31644300000	-22.31			-8.33	-122.47	6328859994.12	-193.34
Debt/Ratio							0.0619		0.0255				0.0291				0.1183	0.0638	0.056	0.0607	0.0662	0.0717				0.0662	0.30	0.0642	3.40
Debt/Equity							1.19		0.4874				0.2517				1.07	0.5888	0.5261	0.5782	0.629	0.9114				8.51	7.29	2.23	74.49
Debt/Net Income							-17.25		-47.45				10.19				35.33	58.85	42.07	77.08	70.12	57.2				16.41	13.96	52.58	-17.16
PEG																										51.69		51.69	0.00
Бета																									2.5	-2.99	1.48	-0.2450	-209.36
Индекс Альтмана						-0.1922		0.0027		-0.0614	-0.1626	0.0012				0.9109									0.101	0.101	1.00	0.1903	-190.92

Dividends

IFRS

Reporting Annual Quarterly

	2011	2012	2013	2014	2015	2016	2017	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд			0.8508	0.7856	0.2402	0.6607		2.1	2.1	2.1	210.11	3.25			3.25		43.93	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	3.95	1.32	3.74	3.28				1.77	0.9703	0.8093		0.8093	1.40	2.11	-26.37
Дивиденды / прибыль, %			25.08	26.13	19.8	19.66			-21.21	-7.69	2022.14	1600.2	54.64		54.64	18.33	729.62	-220.84
Dividend Coverage Ratio														1.83	1.83		1.83	0.00

	2011Q2	2012Q2	2013Q2	2014Q1	2014Q2	2014Q4	2015Q1	2015Q2	2015Q3	2015Q4	2016Q1	2016Q2	2022Q3	2023Q1	2023Q3	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						0.0601	0.0601	0.0601	0.0601	0.1652	0.1652	0.1652	2.1	2.1	3.25			1.56	81.46
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	3.73	1.03			1.29				4.12	2.03		1.31		1.40	1.96	4.93
Дивиденды / прибыль, %						10.36	-8.55	13.92	4.83	23.49	16.83	3.1	75.55	45.98	172.05		18.33	62.70	59.19
Dividend Coverage Ratio																1.83		1.83	0.00

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