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STOCKS

Punjab & Sind Bank Ltd. (IN:PSB)

:PSB

PSB

Punjab & Sind Bank Ltd.

RESEARCH TOOLSreports

Punjab & Sind Bank Ltd. (PSB) Ratios

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Punjab & Sind Bank Ltd. Ratios

IN:PSB's free cash flow for Q2 2026 was ₹0.00. For the 2026 fiscal year, IN:PSB's free cash flow was decreased by ₹ and operating cash flow was ₹0.11. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.00	0.10	0.19	0.49	0.62
Quick Ratio	0.00	0.10	0.38	9.75	13.14
Cash Ratio	0.00	0.08	0.16	7.76	13.16
Solvency Ratio	<0.01	<0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	0.00	>-0.01	0.06	176.04	-8.72
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.38	20.04	-5.54
Net Current Asset Value	₹ -1.51T	₹ -1.35T	₹ -1.23T	₹ -1.21T	₹ -1.07T
Leverage Ratios
Debt-to-Assets Ratio	0.08	0.07	0.07	0.07	0.02
Debt-to-Equity Ratio	1.03	0.89	0.68	0.60	0.17
Debt-to-Capital Ratio	0.51	0.47	0.41	0.37	0.15
Long-Term Debt-to-Capital Ratio	0.51	0.47	0.39	0.37	0.15
Financial Leverage Ratio	12.26	12.12	9.51	9.03	8.64
Debt Service Coverage Ratio	0.20	0.15	0.05	0.12	0.21
Interest Coverage Ratio	0.26	0.17	0.14	0.32	0.27
Debt to Market Cap	0.89	0.51	0.40	0.93	0.34
Interest Debt Per Share	28.89	29.16	25.85	20.71	10.38
Net Debt to EBITDA	5.41	1.14	2.99	1.54	-4.99
Profitability Margins
Gross Profit Margin	32.35%	41.14%	35.12%	43.64%	45.18%
EBIT Margin	11.22%	10.23%	8.87%	18.19%	14.64%
EBITDA Margin	11.22%	11.34%	10.29%	19.86%	16.33%
Operating Profit Margin	11.22%	10.23%	8.87%	18.19%	14.64%
Pretax Profit Margin	11.22%	10.23%	8.87%	18.19%	14.64%
Net Profit Margin	8.62%	7.77%	5.64%	14.74%	12.82%
Continuous Operations Profit Margin	8.62%	7.77%	5.64%	14.74%	12.82%
Net Income Per EBT	76.80%	75.95%	63.55%	81.06%	87.56%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.71%	0.63%	0.40%	0.96%	0.86%
Return on Equity (ROE)	8.89%	7.61%	3.83%	8.69%	7.42%
Return on Capital Employed (ROCE)	0.92%	4.33%	0.93%	1.19%	0.99%
Return on Invested Capital (ROIC)	0.71%	3.29%	0.51%	15.95%	43.26%
Return on Tangible Assets	0.71%	0.63%	0.40%	0.95%	0.84%
Earnings Yield	7.51%	4.34%	1.39%	7.55%	10.13%
Efficiency Ratios
Receivables Turnover	0.00	4.36	5.75	5.39	6.56
Payables Turnover	0.00	6.60	6.64	6.19	6.46
Inventory Turnover	0.00	0.00	-0.74	-0.67	-0.52
Fixed Asset Turnover	7.93	7.35	6.02	5.86	5.14
Asset Turnover	0.08	0.08	0.07	0.07	0.07
Working Capital Turnover Ratio	2.36	-0.17	-0.55	-26.37	42.28
Cash Conversion Cycle	0.00	28.34	-482.53	-537.69	-707.62
Days of Sales Outstanding	0.00	83.67	63.45	67.74	55.64
Days of Inventory Outstanding	0.00	0.00	-491.03	-546.43	-706.79
Days of Payables Outstanding	0.00	55.33	54.95	59.00	56.47
Operating Cycle	0.00	83.67	-427.58	-478.69	-651.14
Cash Flow Ratios
Operating Cash Flow Per Share	-11.83	-0.54	4.19	210.74	-9.04
Free Cash Flow Per Share	-11.93	-0.79	3.85	197.42	-9.22
CapEx Per Share	0.10	0.25	0.34	13.32	0.18
Free Cash Flow to Operating Cash Flow	1.01	1.46	0.92	0.94	1.02
Dividend Paid and CapEx Coverage Ratio	-71.50	-1.21	5.11	15.46	-49.66
Capital Expenditure Coverage Ratio	-123.91	-2.18	12.38	15.82	-49.66
Operating Cash Flow Coverage Ratio	-0.58	-0.03	0.27	15.84	-2.45
Operating Cash Flow to Sales Ratio	-0.60	-0.03	0.27	16.04	-0.74
Free Cash Flow Yield	-52.38%	-2.28%	6.07%	769.65%	-59.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.32	23.04	72.16	13.24	9.87
Price-to-Sales (P/S) Ratio	1.15	1.79	4.07	1.95	1.26
Price-to-Book (P/B) Ratio	1.16	1.75	2.77	1.15	0.73
Price-to-Free Cash Flow (P/FCF) Ratio	-1.91	-43.90	16.48	0.13	-1.68
Price-to-Operating Cash Flow Ratio	-1.92	-64.04	15.15	0.12	-1.71
Price-to-Earnings Growth (PEG) Ratio	4.50	0.33	-1.32	-0.55	-0.06
Price-to-Fair Value	1.16	1.75	2.77	1.15	0.73
Enterprise Value Multiple	15.64	16.92	42.52	11.37	2.76
Enterprise Value	247.02B	250.93B	462.19B	201.07B	36.48B
EV to EBITDA	15.64	16.92	42.52	11.37	2.76
EV to Sales	1.75	1.92	4.38	2.26	0.45
EV to Free Cash Flow	-2.92	-47.07	17.73	0.15	-0.60
EV to Operating Cash Flow	-2.94	-68.66	16.30	0.14	-0.61
Tangible Book Value Per Share	19.62	19.89	22.96	19.85	19.25
Shareholders’ Equity Per Share	19.62	19.89	22.96	22.29	21.11
Tax and Other Ratios
Effective Tax Rate	0.23	0.24	0.36	0.19	0.12
Revenue Per Share	19.84	19.48	15.61	13.14	12.22
Net Income Per Share	1.71	1.51	0.88	1.94	1.57
Tax Burden	0.77	0.76	0.64	0.81	0.88
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.04	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	-5.88	-0.36	4.76	1.09	-5.77

Currency in INR