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RATIO ANALYSIS

You can view the ratio analysis for the last 5 years.
Punjab & Sind Bank
ParticularsMar 23Mar 22Mar 21Mar 20Mar 19
Months1212121212
Source Of Info (AR = Annual Report, PR = Press Release)ARARARARAR
Face Value10.0010.0010.0010.0010.00
      
PER SHARE RATIOS     
      
Basic EPS (Rs.)1.942.56-35.71-15.76-9.62
Diluted EPS (Rs.)1.942.56-35.71-15.76-9.62
Cash EPS (Rs.)2.161.74-6.49-13.36-9.88
Book Value[Excl.RevalReserv]/Share (Rs.)22.2920.6720.6479.83100.93
Book Value[Incl.RevalReserv]/Share (Rs.)22.2920.6720.6479.83100.93
Dividend / Share (Rs.)0.480.310.000.000.00
Operating Revenue / Share (Rs.)11.7910.4717.21113.11151.50
Net Profit / Share (Rs.)1.941.53-6.74-14.13-9.62
      
PER EMPLOYEE RATIOS     
      
Interest Income / Employee (Rs.)0.008123423.247896189.208947783.919564897.52
Net Profit / Employee (Rs.)0.001189530.17-3094316.58-1118030.13-607373.60
Business / Employee (Rs.)0.00189769405.95177819159.65167094856.24187453216.14
      
PER BRANCH RATIOS     
      
Interest Income / Branch (Rs.)52002156.1546499411.5345700617.9651962818.4881666701.34
Net Profit / Branches (Rs.)8542804.166809007.86-17908914.81-6492780.47-5185857.82
Business / Branches (Rs.)1213304612.231086261966.581029160431.19970376550.461600507040.08
      
KEY PERFORMANCE RATIOS     
      
Net Profit Margin (%)16.4214.64-39.18-12.49-6.35
Operating Profit Margin (%)4.661.12-52.13-23.81-16.02
Return On Assets (%)0.960.85-2.47-0.98-0.49
Return On Equity / Networth (%)8.697.41-32.67-17.70-9.53
Net Interest Margin (X)2.172.182.042.042.09
Cost To Income (%)29.1131.9274.8744.7038.89
Interest Income / Total Assets (%)5.855.866.317.887.85
Non-Interest Income / Total Assets (%)0.680.790.810.890.76
Operating Profit / Total Assets (%)0.270.06-3.29-1.87-1.25
Operating Expenses / Total Assets (%)1.801.882.161.841.57
Interest Expenses / Total Assets (%)3.673.674.265.845.76
      
VALUATION RATIOS     
      
Enterprise Value (Rs.Cr.)129863.83108913.0998675.9184173.8898090.22
EV Per Net Sales (X)16.2515.3514.1510.6211.46
Price To Book Value (X)1.150.740.850.130.30
Price To Sales (X)2.181.481.020.090.20
Retention Ratios (%)83.99100.00100.00100.00100.00
Earnings Yield (X)0.070.09-0.38-1.27-0.30
ParticularsMar 23
Months12
Source Of Info (AR = Annual Report, PR = Press Release)AR
Face Value10.00
  
PER SHARE RATIOS 
Basic EPS (Rs.)1.94
Diluted EPS (Rs.)1.94
Cash EPS (Rs.)2.16
Book Value[Excl.RevalReserv]/Share (Rs.)22.29
Book Value[Incl.RevalReserv]/Share (Rs.)22.29
Dividend / Share (Rs.)0.48
Operating Revenue / Share (Rs.)11.79
Net Profit / Share (Rs.)1.94
PER EMPLOYEE RATIOS 
Interest Income / Employee (Rs.)0.00
Net Profit / Employee (Rs.)0.00
Business / Employee (Rs.)0.00
PER BRANCH RATIOS 
Interest Income / Branch (Rs.)52002156.15
Net Profit / Branches (Rs.)8542804.16
Business / Branches (Rs.)1213304612.23
KEY PERFORMANCE RATIOS 
Net Profit Margin (%)16.42
Operating Profit Margin (%)4.66
Return On Assets (%)0.96
Return On Equity / Networth (%)8.69
Net Interest Margin (X)2.17
Cost To Income (%)29.11
Interest Income / Total Assets (%)5.85
Non-Interest Income / Total Assets (%)0.68
Operating Profit / Total Assets (%)0.27
Operating Expenses / Total Assets (%)1.80
Interest Expenses / Total Assets (%)3.67
VALUATION RATIOS 
Enterprise Value (Rs.Cr.)129863.83
EV Per Net Sales (X)16.25
Price To Book Value (X)1.15
Price To Sales (X)2.18
Retention Ratios (%)83.99
Earnings Yield (X)0.07