Punjab & Sind Bank (PSB) - Net Assets
Based on the latest financial reports, Punjab & Sind Bank (PSB) has net assets worth Rs139.24 Billion INR (≈ $1.51 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.71 Trillion ≈ $18.46 Billion USD) and total liabilities (Rs1.57 Trillion ≈ $16.96 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check PSB financial resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | Rs139.24 Billion |
| % of Total Assets | 8.16% |
| Annual Growth Rate | 16.23% |
| 5-Year Change | 59.69% |
| 10-Year Change | 123.69% |
| Growth Volatility | 26.16 |
Punjab & Sind Bank - Net Assets Trend (2006–2025)
This chart illustrates how Punjab & Sind Bank's net assets have evolved over time, based on quarterly financial data. Also explore total assets of Punjab & Sind Bank for the complete picture of this company's asset base.
Annual Net Assets for Punjab & Sind Bank (2006–2025)
The table below shows the annual net assets of Punjab & Sind Bank from 2006 to 2025. For live valuation and market cap data, see how much is Punjab & Sind Bank worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | Rs133.55 Billion ≈ $1.44 Billion |
-14.03% |
| 2024-03-31 | Rs155.33 Billion ≈ $1.68 Billion |
+2.81% |
| 2023-03-31 | Rs151.09 Billion ≈ $1.63 Billion |
+7.84% |
| 2022-03-31 | Rs140.11 Billion ≈ $1.52 Billion |
+67.53% |
| 2021-03-31 | Rs83.63 Billion ≈ $904.43 Million |
+49.44% |
| 2020-03-31 | Rs55.96 Billion ≈ $605.23 Million |
-1.84% |
| 2019-03-31 | Rs57.01 Billion ≈ $616.59 Million |
-7.78% |
| 2018-03-31 | Rs61.83 Billion ≈ $668.63 Million |
+0.65% |
| 2017-03-31 | Rs61.42 Billion ≈ $664.28 Million |
+2.89% |
| 2016-03-31 | Rs59.70 Billion ≈ $645.66 Million |
+6.68% |
| 2015-03-31 | Rs55.96 Billion ≈ $605.21 Million |
+11.67% |
| 2014-03-31 | Rs50.11 Billion ≈ $541.95 Million |
+8.84% |
| 2013-03-31 | Rs46.04 Billion ≈ $497.92 Million |
+8.36% |
| 2012-03-31 | Rs42.49 Billion ≈ $459.51 Million |
+11.71% |
| 2011-03-31 | Rs38.03 Billion ≈ $411.32 Million |
+45.41% |
| 2010-03-31 | Rs26.16 Billion ≈ $282.87 Million |
+22.20% |
| 2009-03-31 | Rs21.40 Billion ≈ $231.47 Million |
+2.25% |
| 2008-03-31 | Rs20.93 Billion ≈ $226.38 Million |
+48.92% |
| 2007-03-31 | Rs14.06 Billion ≈ $152.02 Million |
+83.33% |
| 2006-03-31 | Rs7.67 Billion ≈ $82.92 Million |
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Equity Component Analysis
This analysis shows how different components contribute to Punjab & Sind Bank's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1907784400000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | Rs19.08 Billion | 14.29% |
| Common Stock | Rs70.96 Billion | 53.13% |
| Other Comprehensive Income | Rs3.33 Billion | 2.49% |
| Other Components | Rs40.19 Billion | 30.09% |
| Total Equity | Rs133.55 Billion | 100.00% |
Punjab & Sind Bank Competitors by Market Cap
The table below lists competitors of Punjab & Sind Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Neinor Homes SLU
MC:HOME
|
$1.91 Billion |
|
Pitney Bowes Inc
NYSE:PBI
|
$1.91 Billion |
|
Getac Technology Corp
TW:3005
|
$1.91 Billion |
|
Vardhman Textiles Limited
NSE:VTL
|
$1.91 Billion |
|
Badger Infrastructure Solutions Ltd
TO:BDGI
|
$1.91 Billion |
|
Harbin Boshi Automation Co Ltd
SHE:002698
|
$1.91 Billion |
|
Hammond Power Solutions Inc
TO:HPS-A
|
$1.91 Billion |
|
Soitec SA
PA:SOI
|
$1.91 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Punjab & Sind Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 155,334,271,000 to 133,547,565,000, a change of -21,786,706,000 (-14.0%).
- Net income of 10,158,309,000 contributed positively to equity growth.
- Dividend payments of 1,355,600,000 reduced retained earnings.
- Share repurchases of 149,400,000 reduced equity.
- New share issuances of 12,193,900,000 increased equity.
- Other comprehensive income decreased equity by 38,963,494,000.
- Other factors decreased equity by 3,670,421,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | Rs10.16 Billion | +7.61% |
| Dividends Paid | Rs1.36 Billion | -1.02% |
| Share Repurchases | Rs149.40 Million | -0.11% |
| Share Issuances | Rs12.19 Billion | +9.13% |
| Other Comprehensive Income | Rs-38.96 Billion | -29.18% |
| Other Changes | Rs-3.67 Billion | -2.75% |
| Total Change | Rs- | -14.03% |
Book Value vs Market Value Analysis
This analysis compares Punjab & Sind Bank's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.25x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 21.58x to 1.25x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-03-31 | Rs1.16 | Rs24.93 | x |
| 2007-03-31 | Rs2.12 | Rs24.93 | x |
| 2008-03-31 | Rs3.15 | Rs24.93 | x |
| 2009-03-31 | Rs3.23 | Rs24.93 | x |
| 2010-03-31 | Rs3.94 | Rs24.93 | x |
| 2011-03-31 | Rs5.73 | Rs24.93 | x |
| 2012-03-31 | Rs6.40 | Rs24.93 | x |
| 2013-03-31 | Rs6.94 | Rs24.93 | x |
| 2014-03-31 | Rs7.55 | Rs24.93 | x |
| 2015-03-31 | Rs8.43 | Rs24.93 | x |
| 2016-03-31 | Rs149.11 | Rs24.93 | x |
| 2017-03-31 | Rs153.41 | Rs24.93 | x |
| 2018-03-31 | Rs109.45 | Rs24.93 | x |
| 2019-03-31 | Rs100.93 | Rs24.93 | x |
| 2020-03-31 | Rs8.43 | Rs24.93 | x |
| 2021-03-31 | Rs12.60 | Rs24.93 | x |
| 2022-03-31 | Rs34.51 | Rs24.93 | x |
| 2023-03-31 | Rs22.29 | Rs24.93 | x |
| 2024-03-31 | Rs22.92 | Rs24.93 | x |
| 2025-03-31 | Rs19.89 | Rs24.93 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Punjab & Sind Bank utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.61%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.77%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 12.12x
- Recent ROE (7.61%) is above the historical average (5.08%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 37.26% | 20.38% | 0.08x | 24.23x | Rs2.09 Billion |
| 2007 | 15.55% | 11.18% | 0.09x | 15.62x | Rs779.64 Million |
| 2008 | 18.27% | 15.07% | 0.08x | 14.78x | Rs1.73 Billion |
| 2009 | 20.43% | 11.96% | 0.09x | 19.33x | Rs2.23 Billion |
| 2010 | 19.45% | 11.71% | 0.08x | 21.66x | Rs2.47 Billion |
| 2011 | -0.06% | -0.04% | 0.08x | 18.02x | Rs-3.83 Billion |
| 2012 | 10.62% | 6.55% | 0.09x | 17.16x | Rs263.90 Million |
| 2013 | 7.37% | 4.39% | 0.10x | 17.48x | Rs-1.21 Billion |
| 2014 | 6.00% | 3.58% | 0.09x | 18.86x | Rs-2.01 Billion |
| 2015 | 2.17% | 1.35% | 0.09x | 17.47x | Rs-4.38 Billion |
| 2016 | 5.63% | 3.64% | 0.09x | 17.18x | Rs-2.61 Billion |
| 2017 | 3.27% | 2.30% | 0.09x | 15.73x | Rs-4.13 Billion |
| 2018 | -12.03% | -8.84% | 0.07x | 18.40x | Rs-13.62 Billion |
| 2019 | -9.53% | -5.96% | 0.08x | 19.11x | Rs-11.14 Billion |
| 2020 | -17.70% | -11.51% | 0.09x | 17.96x | Rs-15.50 Billion |
| 2021 | -32.68% | -35.15% | 0.07x | 13.21x | Rs-35.69 Billion |
| 2022 | 7.42% | 12.82% | 0.07x | 8.64x | Rs-3.62 Billion |
| 2023 | 8.69% | 14.74% | 0.07x | 9.03x | Rs-1.98 Billion |
| 2024 | 3.83% | 5.64% | 0.07x | 9.51x | Rs-9.58 Billion |
| 2025 | 7.61% | 7.77% | 0.08x | 12.12x | Rs-3.20 Billion |
Industry Comparison
This section compares Punjab & Sind Bank's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $108,245,704,600
- Average return on equity (ROE) among peers: 6.74%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Punjab & Sind Bank (PSB) | Rs139.24 Billion | 37.26% | 11.26x | $1.91 Billion |
| AU Small Finance Bank Limited (AUBANK) | $62.75 Billion | 18.66% | 7.22x | $8.21 Billion |
| Bandhan Bank Limited (BANDHANBNK) | $216.10 Billion | 10.32% | 7.23x | $3.48 Billion |
| Bank of Baroda (BANKBARODA) | $133.71 Billion | 17.83% | 16.32x | $14.73 Billion |
| Bank of India (BANKINDIA) | $245.44 Billion | 28.81% | 17.60x | $6.89 Billion |
| Canara Bank (CANBK) | $254.09 Billion | 11.69% | 15.50x | $13.21 Billion |
| Capital Small Finance Bank Limited (CAPITALSFB) | $1.15 Billion | 11.96% | 16.87x | $136.92 Million |
| Central Bank of India (CENTRALBK) | $110.28 Billion | 11.92% | 18.04x | $3.57 Billion |
| CSB Bank Limited (CSBBANK) | $8.88 Billion | -5.98% | 16.74x | $699.76 Million |
| City Union Bank Limited (CUB) | $48.41 Billion | 14.11% | 8.35x | $2.17 Billion |
| DCB Bank Limited (DCBBANK) | $1.64 Billion | -51.93% | 21.79x | $649.92 Million |
About Punjab & Sind Bank
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. The company also provides loans, such as home, auto, skill education, commercial vehicle, personal, doctor, mortgage, vyapar, e-vahan, gold, mudra, MSME, and agri loans; and SME liquid plus and contractor plus pr… Read more