PSB.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Performance Graph
Financial Ratios
Ratio Value
PE Ratio53.76
Net Profit Margin0.16
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity0.59
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.16
Return on Assets0.00
Return on Equity0.04
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.59
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio53.76
Gross Profit Margin0.00
Price to Book Ratio2.06
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Punjab & Sind Bank

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 1476570000000 1364550000000 1210680000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 433474000000 387509000000 417702000000
Held To Maturity Securities - - -
Available For Sale Securities 9842270000 4081672000 3547484000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets - - -
Other Intangible Assets - - -
Goodwill - - -
Net Ppe 17557825000 15194228000 15774435000
Accumulated Depreciation -9023657000 -7601095000 -6314951000
Gross Ppe 26581482000 22795323000 22089386000
Construction In Progress - - -
Other Properties 11518351000 9305979000 8599682000
Machinery Furniture Equipment - - -
Buildings And Improvements - - -
Land And Improvements - - -
Properties 15063131000 13489344000 13489704000
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 7012809000 5415089000 4603797000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 90568519000 86561616000 90474542000
Cash Equivalents - - -
Cash Financial 2622745000 3235185000 2798992000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 1140042000 3622216000 -
Total Debt 91708561000 90183832000 24436325000
Total Liabilities Net Minority Interest 1321230000000 1213460000000 1070570000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities - - -
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 91708561000 90183832000 24436325000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 12817851000 11417577000 9557443000
Other Payable 2500800000 3303704000 2680828000
Dividends Payable - - -
Total Tax Payable - - -
Accounts Payable 10317051000 8113873000 6876615000
Common Stock Equity 155334000000 151085000000 140106000000
Total Capitalization 247043000000 241269000000 164542000000
Total Equity Gross Minority Interest 155334000000 151085000000 140106000000
Minority Interest - - -
Stockholders Equity 155334000000 151085000000 140106000000
Other Equity Interest - - -
Treasury Stock - - -
Retained Earnings 13945575000 13563689000 6260282000
Additional Paid In Capital 31319785000 31319785000 31319785000
Capital Stock 67777864000 67777864000 67777864000
Common Stock 67777864000 67777864000 67777864000

Income statement interpretation for Punjab & Sind Bank

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 37092113000 38860568000 36627116000
Operating Revenue 37092113000 38860568000 36627116000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 5954199000 13130290000 10390546000
Net Income From Continuing Operation Net Minority Interest 5954199000 13130290000 10390546000
Net Income From Continuing And Discontinued Operation 5954199000 13130290000 10390546000
Net Income Common Stockholders 5954199000 13130290000 10390546000
Net Income Including Noncontrolling Interests 5954169000 13130288000 10390605000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 5954169000 13130288000 10390605000
Normalized Income 5951405492 13112830761 10391931192
Normalized Ebitda - - -
Total Unusual Items 4396000 21539000 -1582000
Total Unusual Items Excluding Goodwill 4396000 21539000 -1582000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 1500800000 1483300000 1370904000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 29845240000 26525619000 23338729000
Other Operating Expenses 5574104000 6498183000 4409893000
Depreciation And Amortization In Income Statement 1500843000 1483332000 1370904000
Amortization - - -
Depreciation Income Statement 1500843000 1483332000 1370904000
Selling General And Administration 371922000 354968000 264349000
Selling And Marketing Expense 74342000 76181000 38716000
General And Administrative Expense 297580000 278787000 225633000
Rent And Landing Fees 1392376000 1367262000 1208020000
Tax Provision 3415600000 3068200000 1476300000
Pretax Income 9369769000 16198488000 11866905000
Other Non Operating Income Expenses - - -
Special Income Charges 4396000 21539000 -1582000
Other Special Charges -4396000 -21539000 1582000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 0.88 1.94 2.56
Basic Eps 0.88 1.94 2.56
Diluted Ni Avail To Com Stockholders 5954199000 13130290000 10390546000
Net Income From Continuing Operations 5954200000 13130300000 10390546000
Minority Interests - - -

Cash flow analysis for Punjab & Sind Bank

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow 17488800000 14283600000 -59985669000
Changes In Cash 10862900000 85000000 -20512242000
Taxes Refund Paid -3424700000 -1494000000 8539541000
Change In Working Capital 7046800000 -1349500000 -85512579000
Change In Other Current Liabilities 3457900000 1952200000 -124722000
Change In Other Current Assets 7992400000 1565000000 -7029853000
Change In Payable - - -
Change In Inventory - - -
Change In Receivables - - -
Other Non Cash Items 1060900000 1165900000 2313978000
Stock Based Compensation - - -
Provision And Write Off Of Assets 5355200000 1369100000 2910359000
Depreciation And Amortization 1500800000 1483300000 1370904000
Amortization Cash Flow - - -
Depreciation 1500800000 1483300000 1370904000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -2286300000 -881600000 -1207941000
Net Other Investing Changes - - -
Interest Received Cfi - - -
Dividends Received Cfi - - -
Net Investment Purchase And Sale - - -
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -2286300000 -881600000 -1207941000
Sale Of Ppe 4400000 21500000 -
Purchase Of Ppe -2290700000 -903100000 -1207941000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow -4339600000 -13317000000 40681368000
Net Other Financing Charges -25000000 -50000000 -
Interest Paid Cff -1061300000 -1165900000 -2313978000
Cash Dividends Paid -3253300000 -2101100000 -
Common Stock Dividend Paid -3253300000 -2101100000 -
Net Common Stock Issuance - - 46000001000
Common Stock Payments - - -
Common Stock Issuance - - 46000001000
Repurchase Of Capital Stock - - -
Repayment Of Debt - -10000000000 -3000000000
Issuance Of Debt - - -
Issuance Of Capital Stock - - 46000001000
Net Issuance Payments Of Debt - -10000000000 -3000000000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance - -10000000000 -3000000000
Long Term Debt Payments - -10000000000 -3000000000
Long Term Debt Issuance - - -
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of PSB.NS (Punjab & Sind Bank)

Above is the summary for fundamental analysis of Punjab & Sind Bank , whose ticker name is PSB.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Punjab & Sind Bank which is listed in NSE (National Stock Exchange) has a PE ratio of 53.76, PSB.NS has a net profit margin of 0.16, the acid test ratio for PSB.NS is 0.00, PSB.NS has an inventory turnover of 0.00, and PSB.NS has debt-to-equity ratio of 0.59.

The PSB.NS whose company name is Punjab & Sind Bank has made profit/loss of 0 with total revenue of 37092113000, PSB.NS has assets worth of 1476570000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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