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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Punjab & Sind Bank is a banking and financial services company. The Company provides products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. Its segments include Treasury Operations, Corporate/wholesale…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, trading cheap versus its own history.
Punjab & Sind Bank is scored on the bank / lender framework. It keeps a slim 9.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 16%/yr and profit at 0%/yr. Net worth has actually shrunk (-2%/yr) — value is not being built. Return on equity is a modest 10.3%. In the latest quarter profit grew 24% versus the prior quarter.
At 11× earnings, the stock sits at the 2nd percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 9.54 | 8.26 | worse |
| P/B | 1.06 | 1.18 | better |
| ROE | 10.33 | 13.72 | worse |
| ROA | 0.79 | 1.09 | worse |
| NIM | 2.25 | 2.6 | worse |
| Net NPA | 0.79 | 0.41 | worse |
| CASA | 30.77 | 39.04 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 15% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
Revenue is outpacing profit (15% vs 0%) — costs are rising faster than the top line. The latest year saw a +30% swing — check if it's a one-off or structural.
Operating margin has compressed from 18% to 13% — costs or competition are eating into profitability.
-1% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 6% sequentially — momentum is building. Low quarterly variance (8% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 24% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 93.8% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.