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Punjab & Sind Bank Ltd. (IN:PSB)
:PSB
India Market
PSB
Punjab & Sind Bank Ltd.
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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 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00- 0.10 0.19 0.49
Quick Ratio
 0.00- 0.10 0.38 9.75
Cash Ratio
 0.00- 0.08 0.16 7.76
Solvency Ratio
 <0.01- <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.00- >-0.01 0.06 176.04
Short-Term Operating Cash Flow Coverage
 0.00- 0.00 0.38 20.04
Net Current Asset Value
₹ -1.59T₹ -1.59T₹ -1.35T₹ -1.23T₹ -1.21T
Leverage Ratios
Debt-to-Assets Ratio
 0.09- 0.07 0.07 0.07
Debt-to-Equity Ratio
 1.16- 0.89 0.68 0.60
Debt-to-Capital Ratio
 0.54- 0.47 0.41 0.37
Long-Term Debt-to-Capital Ratio
 0.54- 0.47 0.39 0.37
Financial Leverage Ratio
 12.69- 12.12 9.51 9.03
Debt Service Coverage Ratio
 0.16- 0.15 0.05 0.12
Interest Coverage Ratio
 0.21- 0.17 0.14 0.32
Debt to Market Cap
 0.92- 0.51 0.40 0.93
Interest Debt Per Share
 34.30- 29.16 25.85 20.71
Net Debt to EBITDA
 5.74 5.21 1.14 2.99 1.54
Profitability Margins
Gross Profit Margin
30.05%-41.14%35.12%43.64%
EBIT Margin
12.82%-10.23%8.87%18.19%
EBITDA Margin
12.82%-11.34%10.29%19.86%
Operating Profit Margin
12.82%-10.23%8.87%18.19%
Pretax Profit Margin
12.82%-10.23%8.87%18.19%
Net Profit Margin
9.67%-7.77%5.64%14.74%
Continuous Operations Profit Margin
9.67%-7.77%5.64%14.74%
Net Income Per EBT
75.44%-75.95%63.55%81.06%
EBT Per EBIT
100.00%-100.00%100.00%100.00%
Return on Assets (ROA)
0.74%0.74%0.63%0.40%0.96%
Return on Equity (ROE)
9.55%9.35%7.61%3.83%8.69%
Return on Capital Employed (ROCE)
0.98%0.98%4.33%0.93%1.19%
Return on Invested Capital (ROIC)
0.74%0.74%3.29%0.51%15.95%
Return on Tangible Assets
0.74%0.74%0.63%0.40%0.95%
Earnings Yield
7.39%9.00%4.34%1.39%7.55%
Efficiency Ratios
Receivables Turnover
 0.00- 4.36 5.75 5.39
Payables Turnover
 0.00- 6.60 6.64 6.19
Inventory Turnover
 0.00- 0.00 -0.74 -0.67
Fixed Asset Turnover
 7.34- 7.35 6.02 5.86
Asset Turnover
 0.08- 0.08 0.07 0.07
Working Capital Turnover Ratio
 2.25- -0.17 -0.55 -26.37
Cash Conversion Cycle
 0.00 0.00 28.34 -482.53 -537.69
Days of Sales Outstanding
 0.00 0.00 83.67 63.45 67.74
Days of Inventory Outstanding
 0.00 0.00 0.00 -491.03 -546.43
Days of Payables Outstanding
 0.00 0.00 55.33 54.95 59.00
Operating Cycle
 0.00 0.00 83.67 -427.58 -478.69
Cash Flow Ratios
Operating Cash Flow Per Share
 -11.74- -0.54 4.19 210.74
Free Cash Flow Per Share
 -11.84- -0.79 3.85 197.42
CapEx Per Share
 0.09- 0.25 0.34 13.32
Free Cash Flow to Operating Cash Flow
 1.01- 1.46 0.92 0.94
Dividend Paid and CapEx Coverage Ratio
 -71.50- -1.21 5.11 15.46
Capital Expenditure Coverage Ratio
 -123.91- -2.18 12.38 15.82
Operating Cash Flow Coverage Ratio
 -0.51- -0.03 0.27 15.84
Operating Cash Flow to Sales Ratio
 -0.61- -0.03 0.27 16.04
Free Cash Flow Yield
-47.65%22.78%-2.28%6.07%769.65%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.54- 23.04 72.16 13.24
Price-to-Sales (P/S) Ratio
 1.30- 1.79 4.07 1.95
Price-to-Book (P/B) Ratio
 1.27- 1.75 2.77 1.15
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.10- -43.90 16.48 0.13
Price-to-Operating Cash Flow Ratio
 -2.13- -64.04 15.15 0.12
Price-to-Earnings Growth (PEG) Ratio
 0.58- 0.33 -1.32 -0.55
Price-to-Fair Value
 1.27- 1.75 2.77 1.15
Enterprise Value Multiple
 15.87- 16.92 42.52 11.37
Enterprise Value
 278.13B 247.36B 250.93B 462.19B 201.07B
EV to EBITDA
 15.87 12.82 16.92 42.52 11.37
EV to Sales
 2.03 1.80 1.92 4.38 2.26
EV to Free Cash Flow
 -3.29 7.39 -47.07 17.73 0.15
EV to Operating Cash Flow
 -3.31 6.90 -68.66 16.30 0.14
Tangible Book Value Per Share
 19.77- 19.89 22.96 19.85
Shareholders’ Equity Per Share
 19.77- 19.89 22.96 22.29
Tax and Other Ratios
Effective Tax Rate
 0.25- 0.24 0.36 0.19
Revenue Per Share
 19.12- 19.48 15.61 13.14
Net Income Per Share
 1.85- 1.51 0.88 1.94
Tax Burden
 0.75 0.75 0.76 0.64 0.81
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
 0.12 0.15 0.21 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -5.88 2.71 -0.36 4.76 1.09
Currency in INR