Punjab & Sind Bank Intrinsic Value
Punjab & Sind Bank intrinsic value. Punjab & Sind Bank (PSB) median intrinsic value is ₹20.15 from 10 valuation models (range ₹6–₹33), vs current price ₹20.35 — -1.0% downside (Trading Near Calculated Value), margin of safety -1.0%. Compare with PSB fair value estimate to assess whether the stock is under or overvalued.
PSB Valuation Methods Summary — DCF, Graham Number & P/E
Punjab & Sind Bank intrinsic value across 10 models vs current price ₹20.35 — upside/downside and value range per method. For current market price and key ratios, visit Punjab & Sind Bank stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹25.20 | ₹20.16 - ₹30.24 | +23.8% | EPS: ₹2.10, Sector P/E: 12x |
| Book Value Method | asset | ₹15.93 | ₹14.34 - ₹17.52 | -21.7% | Book Value/Share: ₹19.92, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹20.15 | ₹18.13 - ₹22.16 | -1.0% | Revenue/Share: ₹20.15, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹14.72 | ₹13.25 - ₹16.19 | -27.7% | EBITDA: ₹2089.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹33.42 | ₹26.74 - ₹40.10 | +64.2% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹6.11 | ₹5.50 - ₹6.72 | -70.0% | EPS Growth: 2.0%, Fair P/E: 1.6x |
| Growth Adjusted P/E | growth | ₹17.85 | ₹16.07 - ₹19.64 | -12.3% | Revenue Growth: 12.5%, Adj P/E: 8.5x |
| ROE Based Valuation | profitability | ₹25.40 | ₹22.86 - ₹27.94 | +24.8% | ROE: 10.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹30.68 | ₹27.61 - ₹33.75 | +50.8% | EPS: ₹2.10, BVPS: ₹19.92 |
| Dividend Yield Method | dividend | ₹9.75 | ₹8.78 - ₹10.73 | -52.1% | DPS: ₹0.39, Target Yield: 4.0% |
PSB Intrinsic Value vs Market Price — All Valuation Models
Punjab & Sind Bank fair value range ₹6–₹33 vs current market price ₹20.35 across 10 valuation models. Read PSB dividend payout details for the complete payout history and dividend yield track record.
PSB Intrinsic Value Analysis — Undervalued or Overvalued?
Punjab & Sind Bank median intrinsic value ₹20.15, current price ₹20.35 — Trading Near Calculated Value by 1.0%, margin of safety -1.0%.
What is the intrinsic value of PSB?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of Punjab & Sind Bank (PSB) is ₹20.15 (median value). With the current market price of ₹20.35, this represents a -1.0% variance from our estimated fair value.
The valuation range spans from ₹6.11 to ₹33.42, indicating ₹6.11 - ₹33.42.
Is PSB undervalued or overvalued?
Based on our multi-method analysis, Punjab & Sind Bank (PSB) appears to be trading near calculated value by approximately 1.0%.
PSB Financial Health — Key Ratios vs Industry Benchmarks
Punjab & Sind Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 10.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 71.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.08x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PSB Cash Flow Quality — Operating & Free Cash Flow
Punjab & Sind Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-1,893 Cr | ₹-2,014 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-2,294 Cr | ₹-2,378 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹1,746 Cr | ₹1,632 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,428 Cr | ₹1,384 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹-5,999 Cr | ₹-6,060 Cr | Negative Cash Flow | 3/10 |