Punjab & Sind Bank
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Punjab & Sind Bank's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Less steady than 66% of Financial Services companies in India.
Growth Efficiency Ratio
₹1Sales grew 45% in 3 years; of every extra ₹100 of sales, ₹1 became extra profit.
Lower than 80% of Financial Services companies in India.
Asset Productivity Ratio
+45% / +31%In 3 years sales changed by +45% while total assets changed by +31%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Punjab & Sind Bank owes ₹0.92 for every ₹1 it owns. Net profit rose 30% in the year to Mar 2026, and grew 0% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
10.4Investors pay ₹10.4 for every ₹1 of Punjab & Sind Bank's yearly profit, lower than 68% of Financial Services companies in India.
P/B ratio
0.99The share price is 0.99 times Punjab & Sind Bank's book value per share, lower than 66% of Financial Services companies in India.
Market cap
₹14,440 CrThe total market value of all of Punjab & Sind Bank's shares at today's price (share price × number of shares), larger than 63% of Financial Services companies in India. PosiCap size class: Meso Cap.
Net worth (book value)
₹14,633 CrWhat Punjab & Sind Bank would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
₹20.62Net worth divided by the number of shares. The share price of ₹20.35 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
9.8%Punjab & Sind Bank earned 9.8% on its shareholders' money over the last year, lower than 59% of Financial Services companies in India.
Owes vs Owns
0.92×Punjab & Sind Bank owes ₹0.92 for every ₹1 it owns (high), higher than 91% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
1.86%Punjab & Sind Bank pays 1.86% of its share price as dividends a year, higher than 73% of dividend-paying Financial Services companies in India.
Revenue growth
+5%Revenue rose 5% in the year to Mar 2026, and grew 13% a year on average over 3 years.
Profit growth
+30%Net profit rose 30% in the year to Mar 2026, and grew 0% a year on average over 3 years.
Profit margin
23.5%Punjab & Sind Bank keeps ₹23 of every ₹100 of revenue as net profit.
Questions
What is Punjab & Sind Bank's P/E ratio?
Investors pay ₹10.4 for every ₹1 of Punjab & Sind Bank's yearly profit, lower than 68% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Punjab & Sind Bank: ₹14,440 Cr ÷ ₹14,633 Cr (30 Jun 2026) = 1.0.
What is Punjab & Sind Bank's return on equity?
Punjab & Sind Bank earned 9.8% on its shareholders' money over the last year, lower than 59% of Financial Services companies in India.
How much does Punjab & Sind Bank owe compared with what it owns?
Punjab & Sind Bank owes ₹0.92 for every ₹1 it owns (high), higher than 91% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Punjab & Sind Bank pay a dividend?
Yes. Punjab & Sind Bank pays 1.86% of its share price as dividends a year, higher than 73% of dividend-paying Financial Services companies in India.
Is Punjab & Sind Bank's revenue growing?
Revenue rose 5% in the year to Mar 2026, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.