PSB22.74

Punjab & Sind Bank

· Banking & Finance
₹ CrorePeersUCOBANKCENTRALBKIOBPRUDENTRELIGARESHAREINDIAMAHSCOOTERKTKBANKMcap ₹16,135 Cr
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In ₹ Crore except Per Share
12 Months Ending
FY24
31/03/2024
FY25
31/03/2025
FY26
31/03/2026
Last 12M
30/06/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation150.1145.1177.0
+ Impairment Loss / (Reversal)0.00.0114.9
+ Finance Costs106.1170.7337.8
+ Other Non-cash Items535.5-3,199.8429.4
+ Other Reconciling Items-0.40.20.2
Changes in Working Capital
+ Other Current Assets-10,137.7-14,269.5-20,845.2
+ Other Current Liabilities10,842.313,186.516,430.7
+ Provisions-341.6-321.70.0
Total Working Capital Changes363.1-1,404.7-4,414.5
Cash from Operating Activities
Profit Before Tax (per I/S)937.01,337.61,752.31,880.8
+ Total Adjustments (incl. Working Capital)1,154.4-4,288.5-3,355.3
Cash from Operations (pre-tax)2,091.4-2,950.9-1,603.0
+ Other Inflows / (Outflows) — Operating-0.0-4.5-8.8
+ Income Taxes Paid342.5-661.9281.3
Cash from Operating — before Extraordinary Items1,748.9-2,293.5-1,893.1
Cash from Operating Activities1,748.9-2,293.5-1,893.1
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)229.1167.40.0
+ Acq of Intangible Assets0.00.0240.8
+ Disp of Fixed Assets0.4-0.20.0
+ Disp of Intangible Assets0.00.0-0.2
Cash from Investing — before Extraordinary Items-228.6-167.6-240.9
Cash from Investing Activities-228.6-167.6-240.9
Cash from Financing Activities
+ Proceeds from Issue of Shares (unclassified)0.01,219.40.0
+ Proceeds from Borrowings0.03,000.00.0
+ Interest Paid106.1170.7337.8
+ Dividends Paid325.3135.649.7
+ Other Inflows / (Outflows) — Financing-2.5-14.90.6
Cash from Financing — before Extraordinary Items-434.03,898.2-386.8
Cash from Financing Activities-434.03,898.2-386.8
Net Changes in Cash (pre-FX)1,086.31,437.1-2,520.8
Net Changes in Cash1,086.31,437.1-2,520.8
Closing Cash7,383.0
Reference Items
EBITDA872.3-230.1-25.5239.4
EBITDA Margin %1.72
Free Cash Flow (CFO − Capex)1,519.8-2,460.9-2,133.9-2,133.9
Free Cash Flow per Basic Share2.14-3.47-3.01-3.01
Cash Flow to Net Income2.94-2.26-1.43
Cash Paid for Taxes342.5-661.9281.3
Cash Paid for Interest106.1170.7337.8
As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.
« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave
Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreementXBRL cross-verified ✓ 95%.