Punjab & Sind Bank Intrinsic Value
PSB • Banks
Current Stock Price
₹23.00
Primary Intrinsic Value
₹20.40
Market Cap
₹163.2K Cr
-25.7%
Downside
Median Value
₹17.09
Value Range
₹11 - ₹33
Assessment
Trading Above Calculated Value
Safety Margin
-34.6%
PSB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹20.40 | ₹16.32 - ₹24.48 | -11.3% | EPS: ₹1.70, Sector P/E: 12x |
| Book Value Method | asset | ₹15.06 | ₹13.55 - ₹16.57 | -34.5% | Book Value/Share: ₹18.82, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹19.92 | ₹17.93 - ₹21.91 | -13.4% | Revenue/Share: ₹19.92, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹11.13 | ₹10.02 - ₹12.24 | -51.6% | EBITDA: ₹1579.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹33.42 | ₹26.74 - ₹40.10 | +45.3% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹10.88 | ₹9.79 - ₹11.97 | -52.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹14.62 | ₹13.16 - ₹16.08 | -36.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹17.09 | ₹15.38 - ₹18.80 | -25.7% | ROE: 9.1%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹26.83 | ₹24.15 - ₹29.51 | +16.7% | EPS: ₹1.70, BVPS: ₹18.82 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
PSB Intrinsic Value Analysis
What is the intrinsic value of PSB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Punjab & Sind Bank (PSB) is ₹17.09 (median value). With the current market price of ₹23.00, this represents a -25.7% variance from our estimated fair value.
The valuation range spans from ₹10.88 to ₹33.42, indicating ₹10.88 - ₹33.42.
Is PSB undervalued or overvalued?
Based on our multi-method analysis, Punjab & Sind Bank (PSB) appears to be trading above calculated value by approximately 25.7%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.1% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 64.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.09x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Punjab & Sind Bank
Additional stock information and data for PSB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-5,848 Cr | ₹-6,071 Cr | Negative Cash Flow | 3/10 |