Punjab & Sind Financials
NSE: PSB | BSE: 533295
₹22.64
₹-0.22
(-0.96%)
As on 09-Sep-2026IST
Market cap
₹16,086 Cr
Revenue (TTM)
₹12,284 Cr
P/E Ratio
11.6
P/B Ratio
1.2
Div. Yield
1.7 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Interest Earned
|
12,284.21
|
11,981.50
|
11,481.30
|
9,693.98
|
7,992.73
|
7,095.81
|
|
|
|
|
|
|
Other Income
|
1,641.42
|
1,777.80
|
1,567.65
|
1,221.47
|
939.96
|
959.38
|
|
|
|
|
|
|
Total Income
|
13,925.63
|
13,759.30
|
13,048.95
|
10,915.44
|
8,932.69
|
8,055.19
|
|
|
|
|
|
|
Interest Expended
|
8,334.51
|
8,170.09
|
7,697.64
|
6,852.93
|
5,019.35
|
4,444.50
|
|
|
|
|
|
|
Operating Expenses
|
3,404.00
|
3,407.47
|
3,276.39
|
2,931.57
|
2,463.40
|
2,280.60
|
|
|
|
|
|
|
Operating Profit before Prov. & Cont.
|
2,187.12
|
2,181.74
|
2,074.92
|
1,130.94
|
1,449.94
|
1,330.09
|
|
|
|
|
|
|
Provisions and Contingencies
|
306.32
|
429.41
|
737.37
|
193.96
|
-169.91
|
143.41
|
|
|
|
|
|
|
Profit Before Tax
|
1,880.80
|
1,752.33
|
1,337.55
|
936.98
|
1,619.85
|
1,186.68
|
|
|
|
|
|
|
Taxes
|
496.52
|
430.40
|
321.72
|
341.56
|
306.82
|
147.63
|
|
|
|
|
|
|
Profit after Tax
|
1,384.28
|
1,321.93
|
1,015.83
|
595.42
|
1,313.03
|
1,039.05
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Consolidated Profit
|
1,384.28
|
1,321.93
|
1,015.83
|
595.42
|
1,313.03
|
1,039.05
|
|
|
|
|
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
14,633.27
|
14,132.41
|
13,354.76
|
15,533.43
|
15,108.51
|
14,010.59
|
|
|
|
|
|
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Deposits
|
1,47,129.58
|
1,45,829.01
|
1,29,774.02
|
1,19,409.55
|
1,09,665.49
|
1,02,137.01
|
|
|
|
|
|
|
Borrowings
|
16,881.45
|
16,352.33
|
14,229.52
|
9,770.86
|
9,018.38
|
2,443.63
|
|
|
|
|
|
|
Other Liabilities & Provisions
|
3,056.33
|
2,956.56
|
4,456.87
|
2,942.69
|
2,662.14
|
2,476.31
|
|
|
|
|
|
|
Total Liabilities
|
1,81,700.63
|
1,79,270.31
|
1,61,815.17
|
1,47,656.53
|
1,36,454.52
|
1,21,067.55
|
|
|
|
|
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash and Balance with Reserve Bank of India
|
6,064.53
|
6,229.54
|
8,793.80
|
7,312.46
|
6,225.40
|
6,139.24
|
|
|
|
|
|
|
Balances with Banks and Money at Call
|
180.97
|
69.71
|
26.26
|
70.55
|
71.32
|
148.99
|
|
|
|
|
|
|
Investments
|
50,226.18
|
49,388.47
|
46,912.31
|
49,599.16
|
44,838.42
|
42,280.87
|
|
|
|
|
|
|
Advances
|
1,17,419.37
|
1,15,911.74
|
97,299.90
|
82,736.38
|
76,819.43
|
63,626.56
|
|
|
|
|
|
|
Net Block
|
1,960.08
|
1,862.01
|
1,798.25
|
1,755.78
|
1,519.42
|
1,577.44
|
|
|
|
|
|
|
Other Assets
|
5,849.50
|
5,808.83
|
6,984.64
|
6,182.20
|
6,980.52
|
7,294.44
|
|
|
|
|
|
|
Miscellaneous Exp. Not Written Off
|
--
|
--
|
--
|
--
|
--
|
--
|
|
|
|
|
|
|
Total Assets
|
1,81,700.63
|
1,79,270.31
|
1,61,815.17
|
1,47,656.53
|
1,36,454.52
|
1,21,067.55
|
|
|
|
|
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-1,893.11
|
-2,293.50
|
1,748.88
|
1,428.36
|
-5,998.57
|
|
|
|
|
|
|
Cash Flow from Investing Activities
|
--
|
-240.91
|
-167.61
|
-228.63
|
-88.16
|
-120.79
|
|
|
|
|
|
|
Cash from Financing Activities
|
--
|
-386.79
|
3,898.16
|
-433.96
|
-1,331.70
|
4,068.14
|
|
|
|
|
|
|
Net Cash Inflow / Outflow
|
--
|
-2,520.81
|
1,437.05
|
1,086.29
|
8.50
|
-2,051.22
|
|
|
|
|
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
1.95
|
1.86
|
1.43
|
0.88
|
1.94
|
1.53
|
|
|
|
|
|
|
Cash EPS (₹)
|
1.95
|
2.11
|
1.64
|
1.10
|
2.16
|
1.74
|
|
|
|
|
|
|
Adjusted Book Value (₹)
|
19.13
|
18.42
|
17.32
|
21.34
|
20.95
|
19.31
|
|
|
|
|
|
|
Dividend per Share (₹)
|
1.72
|
0.39
|
0.07
|
0.20
|
0.48
|
0.31
|
|
|
|
|
|
|
Cash Flow per Share (₹)
|
--
|
-2.67
|
-3.23
|
2.58
|
2.11
|
-8.85
|
|
|
|
|
|
|
Free Cash Flow per Share (₹)
|
--
|
-4.45
|
-6.05
|
1.80
|
1.82
|
-11.06
|
|
|
|
|
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Yield on Advances
|
--
|
10.34
|
11.80
|
11.72
|
10.40
|
11.15
|
|
|
|
|
|
|
Yield on Investments
|
--
|
7.52
|
7.55
|
5.56
|
5.49
|
5.74
|
|
|
|
|
|
|
Interest Spread
|
--
|
5.30
|
6.45
|
6.41
|
6.18
|
6.90
|
|
|
|
|
|
|
NIM (%)
|
2.53
|
2.22
|
2.47
|
2.03
|
2.32
|
2.36
|
|
|
|
|
|
|
ROE (%)
|
9.69
|
10.42
|
7.59
|
4.15
|
9.62
|
10.12
|
|
|
|
|
|
|
ROA (%)
|
0.81
|
0.78
|
0.66
|
0.42
|
1.02
|
0.90
|
|
|
|
|
|
|
Cost to Income Ratio
|
--
|
60.97
|
61.23
|
72.16
|
62.95
|
63.16
|
|
|
|
|
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
4.64
|
4.36
|
18.44
|
21.28
|
12.64
|
1.75
|
|
|
|
|
|
|
EBIT Growth (%)
|
19.73
|
5.15
|
83.47
|
-22.00
|
9.01
|
72.28
|
|
|
|
|
|
|
Net Profit Growth (%)
|
3.02
|
30.13
|
70.61
|
-54.65
|
26.37
|
138.02
|
|
|
|
|
|
|
EPS Growth (%)
|
22.73
|
30.13
|
62.96
|
-54.65
|
26.37
|
122.73
|
|
|
|
|
|
|
Book Value Growth (%)
|
10.47
|
6.35
|
-15.04
|
1.91
|
8.45
|
75.84
|
|
|
|
|
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
11.62
|
11.06
|
30.39
|
68.00
|
13.26
|
10.08
|
|
|
|
|
|
|
Price / Book Value
|
1.19
|
1.12
|
2.51
|
2.80
|
1.23
|
0.80
|
|
|
|
|
|
|
Dividend Yield (%)
|
1.72
|
1.89
|
0.16
|
0.33
|
1.87
|
2.01
|
|
|
|
|
|
|
EV/EBITDA
|
11.98
|
14.20
|
21.74
|
44.44
|
18.22
|
9.71
|
|
|
|
|
|
|
Close Price (₹)
|
24.24
|
20.66
|
43.58
|
59.75
|
25.65
|
15.45
|
|
|
|
|
|
|
High Price (₹)
|
33.55
|
37.37
|
73.64
|
77.50
|
44.75
|
22.70
|
|
|
|
|
|
|
Low Price (₹)
|
20.46
|
20.46
|
36.99
|
23.23
|
12.50
|
14.50
|
|
|
|
|
|
|
Market Cap (₹ Cr)
|
16,085.69
|
14,623.42
|
30,873.22
|
40,490.77
|
17,404.97
|
10,471.68
|
|
|
|
|
|
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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