Punjab & Sind Bank Intrinsic Value
Punjab & Sind Bank (PSB) median intrinsic value is ₹18.63 from 8 valuation models (range ₹12–₹33), vs current price ₹24.28 — -23.3% downside (Trading Above Calculated Value), margin of safety -30.3%. Also explore PSB share price charts to track price trends across different timeframes.
PSB Valuation Methods Summary — DCF, Graham Number & P/E
Punjab & Sind Bank intrinsic value across 8 models vs current price ₹24.28 — 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 | ₹22.32 | ₹17.86 - ₹26.78 | -8.1% | EPS: ₹1.86, Sector P/E: 12x |
| Book Value Method | asset | ₹15.06 | ₹13.55 - ₹16.57 | -38.0% | Book Value/Share: ₹18.82, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹16.89 | ₹15.20 - ₹18.58 | -30.4% | Revenue/Share: ₹16.89, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹33.42 | ₹26.74 - ₹40.10 | +37.6% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹11.90 | ₹10.71 - ₹13.09 | -51.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹15.66 | ₹14.09 - ₹17.23 | -35.5% | Revenue Growth: 10.4%, Adj P/E: 8.4x |
| ROE Based Valuation | profitability | ₹18.63 | ₹16.77 - ₹20.49 | -23.3% | ROE: 9.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹28.06 | ₹25.25 - ₹30.87 | +15.6% | EPS: ₹1.86, BVPS: ₹18.82 |
PSB Intrinsic Value vs Market Price — All Valuation Models
Punjab & Sind Bank fair value range ₹12–₹33 vs current market price ₹24.28 across 8 valuation models. Browse Punjab & Sind Bank annual reports for revenue, profit, balance sheet and cash flow data.
PSB Intrinsic Value Analysis — Undervalued or Overvalued?
Punjab & Sind Bank median intrinsic value ₹18.63, current price ₹24.28 — Trading Above Calculated Value by 23.3%, margin of safety -30.3%.
What is the intrinsic value of PSB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Punjab & Sind Bank (PSB) is ₹18.63 (median value). With the current market price of ₹24.28, this represents a -23.3% variance from our estimated fair value.
The valuation range spans from ₹11.90 to ₹33.42, indicating ₹11.90 - ₹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 23.3%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.09 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 9.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.07x | 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 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 |