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Punjab & Sind Key Ratios

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NSE: PSB | BSE: 533295

₹20.62

up-down-arrow ₹0.42 (2.08%)

As on 08-Nov-2026IST

Market cap

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₹14,638 Cr

Revenue (TTM)

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₹12,680 Cr

P/E Ratio

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9.7

P/B Ratio

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1.1

Div. Yield

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1.9 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Interest Income 5.64 13.19 5.67 12.38 13.25
Interest Expended 2.71 9.02 5.33 12.19 13.63
Net Interest Income 11.76 22.19 6.37 12.77 12.51
EPS 24.27 39.87 28.17 6.97 15.61
Book Value -- -- 6.35 -4.19 0.06
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-26Mar-25
Net NPAs info 1.131.590.610.790.96
Net Interest Margin info 2.242.282.772.222.47
Net Margin info 7.6210.0910.509.617.78
Return on equity info 7.398.3810.4710.427.59
Return on Assets info 0.620.750.840.780.66

Income Statement

View Detailed Peer Comparison

Provisions and Contingencies

--

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
--
448.10
393.87
636.16
574.08
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Profitability

View Detailed Peer Comparison

Yield on Advances

--

--

Interest Earned as per cent of total advances

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
--
10.34
11.80
11.72
10.40
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Yield on Investments

--

--

(Interest on investments + net profit on investments) / total investments

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
--
7.52
7.55
5.56
5.49
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Spread

--

--

[Interest Earned / Advances * 100] - [ Interest expended / (borrowings + deposits) * 100]

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
--
5.30
6.45
6.41
6.18
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
NIM

2.77

--

(Interest earned - Interest expended) / (Cash and balance with RBI + Bank call money + Investments + Advances) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
2.77
2.22
2.47
2.03
2.32
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

10.47

Higher than Peers by 0.32

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
10.47
10.42
7.59
4.15
9.62
Peer Median
10.16
10.42
10.84
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

0.84

Lower than Peers by 0.14

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
0.84
0.78
0.66
0.42
1.02
Peer Median
0.98
0.78
1.21
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cost to Income Ratio

--

--

Operating expenses / (Interest earned - Interest Expended + Other Income) * 100

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
--
60.97
61.23
72.16
62.95
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

5.67

Lower than Peers by 5.89

Year on year growth in net sales

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
5.67
4.36
18.44
21.28
12.64
Peer Median
11.56
5.67
14.70
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

39.61

--

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
39.61
5.15
83.47
-22.00
9.01
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

6.37

Lower than Peers by 1.32

Year on year growth in profit after tax

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
6.37
30.13
70.61
-54.65
26.37
Peer Median
7.69
29.91
23.13
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

28.17

Higher than Peers by 18.38

Year on year growth in earnings per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
28.17
30.13
62.96
-54.65
26.37
Peer Median
9.79
29.91
23.13
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

10.03

--

Year on year growth in book value per share

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
10.03
6.35
-15.04
1.91
8.45
Peer Median
--
20.90
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

9.75

No difference

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
9.75
11.06
30.39
68.00
13.26
Peer Median
9.75
9.75
9.72
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

1.09

Higher than Peers by 0.13

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
1.09
1.12
2.51
2.80
1.23
Peer Median
0.96
1.02
1.10
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

1.89

Higher than Peers by 0.33

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
1.89
1.89
0.16
0.33
1.87
Peer Median
1.56
1.56
1.26
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

10.77

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
10.77
14.20
21.74
44.44
18.22
Peer Median
--
11.50
7.24
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

14,638

No difference

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-26
Mar-25
Mar-24
Mar-23
Punjab & Sind
14,638
14,623
30,873
40,491
17,405
Peer Median
14,638
14,638
21,642
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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