profit from every ₹100 of sales.
₹0₹100
Punjab & Sind Bank
₹21.82-0.18% today
-21.4% in 1 year
1-year low ₹18.251-year high ₹29.37
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2026.
0%20% a year
You pay ₹11.71 for every ₹1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Punjab & Sind Bank sold, what it kept, and what it did with the cash.
Sales went from ₹38.9 billion in 2023 to ₹55.9 billion in 2026, with ₹13.2 billion of profit last year.
SalesProfit
Punjab & Sind Bank vs. similar companies
Punjab & Sind Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from ₹100 of sales | Sales growth a year | Price per ₹1 of profit |
|---|---|---|---|
| Punjab & Sind Bank | 11.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Punjab & Sind Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 38,861 | 37,092 | 53,513 | 55,892 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 13,130 | 5,954 | 10,158 | 13,219 | |
| 1.94 | 0.88 | 1.50 | 1.86 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.8% | 16.1% | 19.0% | 23.7% |
Balance sheet
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total assets | 1,364,545 | 1,476,565 | 1,618,152 | 1,792,703 |
| Cash | 86,562 | 90,569 | 101,887 | 62,993 |
| Total debt | 90,184 | 91,709 | 118,795 | 163,523 |
| Total liabilities | 1,213,460 | 1,321,231 | 1,484,604 | 1,651,379 |
| 151,085 | 155,334 | 133,548 | 141,324 | |
| 6,778 | 6,778 | 6,772 | 7,107 | |
| – | – | – | – | |
| 8.7% | 3.8% | 7.6% | 9.4% |
Cash flow
| In millions of INR | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| 14,284 | 17,464 | -22,935 | -18,931 | |
| 903 | 2,291 | 1,676 | 2,409 | |
| 13,381 | 15,173 | -24,611 | -21,340 | |
| Dividends paid | 2,101 | 3,253 | 1,356 | 497 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.7×
- –
- –
- 1.2×
- 2.8×
- 8.5%
- 0.3%
Profitability
- 23.7%
- –
- –
- –
- –
Growth
- +12.9%
- −1.4%
- –
- +1.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 38%of 883
Top 39%of 880
Bottom 11%of 929
0.3%of the share price, paid each year
On $1,000 invested$3a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
3.8% of its profit
Room to growStretchedMore than it earnsNews
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Punjab & Sind Bank
Is Punjab & Sind Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Punjab & Sind Bank AI analysis
What does Punjab & Sind Bank do?
Punjab & Sind Bank provides various banking and financial products and services in India. It offers deposit products, including saving accounts, current accounts, salary, fixed deposits. It is in Banks - Regional, based in New Delhi, India.
Does Punjab & Sind Bank pay a dividend?
Yes. At today's price the dividend is 0.3% a year, about 4% of its yearly profit. In 2026 it paid out ₹497 million in dividends.
Is Punjab & Sind Bank stock halal?
No. Punjab & Sind Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Punjab & Sind Bank stock done over the past year?
Down 21.4% over the past twelve months, to ₹21.82. It traded between ₹18.25 and ₹29.37 and is 25.7% below its high.
Who are Punjab & Sind Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Punjab & Sind Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.