Punjab & Sind Bank Q1 FY26 earnings call summary

Earnings call of 22 Jul 2025, summarised by AI from the filing.

Punjab & Sind Bank Q1 FY26 operating profit ₹540 cr, up 70.35% YoY; FY26 credit growth guidance of 15-16% reiterated.

Key takeaways

1. Sequential decline Operating profit fell from ₹816 cr in Q4 FY25 to ₹540 cr in Q1 FY26.
2. Margin risk Rate cuts to impact margins for next two quarters; mitigation expected from Q4.

Original filing on BSE

Punjab & Sind Bank Q1 FY27 results

As filed: Revenue ₹3,213 cr, EBITDA ₹119 cr, PAT ₹332 cr, EBITDA margin 3.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹3,030 cr, EBITDA ₹188 cr, PAT ₹422 cr, EBITDA margin 6.2%. Not scored. Bank result format: not scored yet. Share price after the results: −5.5% in 30 days (Nifty 500: +0.6%).
• Q3 FY26: Revenue ₹3,042 cr, EBITDA −₹50.8 cr, PAT ₹336 cr, EBITDA margin -1.7%. Not scored. Bank result format: not scored yet. Share price after the results: −4.1% in 30 days (Nifty 500: −0.1%).
• Q2 FY26: Revenue ₹2,999 cr, EBITDA −₹17.4 cr, PAT ₹295 cr, EBITDA margin -0.6%. Not scored. Bank result format: not scored yet. Share price after the results: −0.3% in 29 days (Nifty 500: +1.2%).
• Q1 FY26: Revenue ₹2,911 cr, EBITDA −₹146 cr, PAT ₹269 cr, EBITDA margin -5.0%. Not scored. Bank result format: not scored yet. Share price after the results: −12.1% in 30 days (Nifty 500: −1.5%).
• Q4 FY25: Revenue ₹3,159 cr, EBITDA −₹235 cr, PAT ₹313 cr, EBITDA margin -7.4%. Not scored. Bank result format: not scored yet. Share price after the results: +5.8% in 30 days (Nifty 500: +4.4%).
• Q3 FY25: Revenue ₹2,931 cr, EBITDA ₹36.8 cr, PAT ₹282 cr, EBITDA margin 1.3%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹2,739 cr, EBITDA −₹51.9 cr, PAT ₹240 cr, EBITDA margin -1.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Punjab & Sind Bank earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (20 Jul 2026), Results deck (18 Jul 2026), Results deck (1 Sep 2026), Results press release (18 Jul 2026)
• Q4 FY26: Earnings call (28 Apr 2026), Results deck (27 Apr 2026)
• Q3 FY26: Earnings call (20 Jan 2026), Results deck (17 Jan 2026), Results deck (17 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (16 Oct 2025), Results press release (16 Oct 2025)
• Q1 FY26: Earnings call (22 Jul 2025), Results deck (19 Jul 2025), Results press release (19 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (29 Apr 2025)