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STOCKS

Punjab & Sind Bank Ltd. (IN:PSB)

:PSB

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 Q3 2025 was ₹1.00. For the 2025 fiscal year, IN:PSB's free cash flow was decreased by ₹ and operating cash flow was ₹-1.85. See a summary of the company’s cash flow.

Ratios	TTM	Mar 24	Mar 23	Mar 22	Mar 21
Liquidity Ratios
Current Ratio	0.19	0.49	0.62	1.87	0.45
Quick Ratio	0.19	11.78	13.14	16.51	16.82
Cash Ratio	0.19	7.76	13.16	15.83	14.34
Solvency Ratio	<0.01	0.01	0.01	-0.03	>-0.01
Operating Cash Flow Ratio	0.06	176.04	-8.72	-7.94	2.52
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	₹ -1.23T	₹ -1.21T	₹ -1.07T	₹ -1.01T	₹ -945.13B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.02	0.02	0.03
Debt-to-Equity Ratio	0.63	0.60	0.17	0.32	0.50
Debt-to-Capital Ratio	0.39	0.37	0.15	0.24	0.33
Long-Term Debt-to-Capital Ratio	0.00	0.37	0.00	0.00	0.36
Financial Leverage Ratio	9.51	9.03	8.64	13.21	17.96
Debt Service Coverage Ratio	0.11	-0.06	0.26	-0.56	0.09
Interest Coverage Ratio	0.15	-2.69	0.20	-0.60	-0.09
Debt to Market Cap	0.00	0.52	0.00	0.00	0.44
Interest Debt Per Share	24.57	20.71	10.38	11.08	13.03
Net Debt to EBITDA	0.66	0.00	-4.99	2.73	0.00
Profitability Margins
Gross Profit Margin	105.17%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	26.57%	-3.79%	32.40%	-111.13%	-1.97%
EBITDA Margin	30.82%	0.00%	36.14%	-107.79%	0.00%
Operating Profit Margin	28.72%	-345.49%	24.63%	-92.55%	-18.76%
Pretax Profit Margin	26.57%	41.39%	32.40%	-111.13%	-55.65%
Net Profit Margin	16.88%	33.55%	28.37%	-89.21%	-36.22%
Continuous Operations Profit Margin	16.88%	33.55%	28.37%	-89.21%	-36.22%
Net Income Per EBT	63.55%	81.06%	87.56%	80.28%	65.08%
EBT Per EBIT	92.51%	-11.98%	131.57%	120.08%	296.67%
Return on Assets (ROA)	0.00%	0.96%	0.86%	-2.47%	-0.99%
Return on Equity (ROE)	0.00%	8.69%	7.42%	-32.68%	-17.70%
Return on Capital Employed (ROCE)	0.00%	-9.97%	0.75%	-2.58%	-0.52%
Return on Invested Capital (ROIC)	0.00%	-993.72%	59.89%	-102.19%	-43.98%
Return on Tangible Assets	0.00%	0.95%	0.84%	-2.42%	-0.97%
Earnings Yield	1.39%	7.55%	10.13%	-23.40%	-13.57%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	-0.18	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.01	2.58	2.32	1.93	2.20
Asset Turnover	0.02	0.03	0.03	0.03	0.03
Working Capital Turnover Ratio	-0.18	-11.59	19.10	38.12	0.90
Cash Conversion Cycle	2.07K	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	4.19	210.74	-9.04	-8.81	3.33
Free Cash Flow Per Share	3.85	197.42	-9.22	-9.48	3.23
CapEx Per Share	0.34	13.32	0.18	0.67	0.10
Free Cash Flow to Operating Cash Flow	0.92	0.94	1.02	1.08	0.97
Dividend Paid and CapEx Coverage Ratio	5.11	15.46	-49.66	-13.10	34.34
Capital Expenditure Coverage Ratio	12.38	15.82	-49.66	-13.10	34.34
Operating Cash Flow Coverage Ratio	0.29	15.84	-2.45	-2.21	0.80
Operating Cash Flow to Sales Ratio	0.80	36.50	-1.64	-1.91	0.81
Free Cash Flow Yield	0.00%	769.65%	-59.69%	-53.89%	29.39%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	72.16	13.24	9.87	-4.27	-7.37
Price-to-Sales (P/S) Ratio	12.18	4.44	2.80	3.81	2.67
Price-to-Book (P/B) Ratio	2.77	1.15	0.73	1.40	1.30
Price-to-Free Cash Flow (P/FCF) Ratio	16.48	0.13	-1.68	-1.86	3.40
Price-to-Operating Cash Flow Ratio	15.15	0.12	-1.71	-2.00	3.30
Price-to-Earnings Growth (PEG) Ratio	-1.32	-0.55	-0.06	-0.02	-0.09
Price-to-Fair Value	2.77	1.15	0.73	1.40	1.30
Enterprise Value Multiple	40.18	0.00	2.76	-0.81	0.00
Enterprise Value	436.79B	201.07B	36.48B	26.65B	-24.84B
EV to EBITDA	40.18	0.00	2.76	-0.81	0.00
EV to Sales	12.38	5.14	1.00	0.87	-0.91
EV to Free Cash Flow	16.76	0.15	-0.60	-0.42	-1.16
EV to Operating Cash Flow	15.40	0.14	-0.61	-0.46	-1.12
Tangible Book Value Per Share	22.96	22.29	21.11	12.60	8.43
Shareholders’ Equity Per Share	22.96	22.29	21.11	12.60	8.43
Tax and Other Ratios
Effective Tax Rate	0.36	0.19	0.12	0.20	0.35
Revenue Per Share	5.21	5.77	5.52	4.62	4.12
Net Income Per Share	0.88	1.94	1.57	-4.12	-1.49
Tax Burden	0.76	0.81	0.88	0.80	0.65
Interest Burden	1.00	-10.92	1.00	1.00	28.24
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	<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	-0.36	1.09	-5.77	2.14	-2.23

Currency in INR

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