Pun. & Sind Bank Q1 FY27 Results (NSE: PSB)

· Analysis by Alpha Inflection

Signal: Earnings grew

Pun. & Sind Bank Q1 FY27 key financials
MetricValueYoYQoQ
Revenue₹3,545.72 Cr4.9%2.6%
EBIT₹545.48 Cr1.0%
Net profit₹331.51 Cr23.2%
EPS₹4.471076%
EBIT margin15.38%

P&L walk

Operating profit flat YoY at ₹545.48 Cr (+1.0%) as NII growth (+15.9%) was offset by sharp increase in NPA provisions (₹123.54 Cr vs ₹22.69 Cr). PAT surged 23.2% to ₹331.51 Cr driven by a 57% drop in total provisions & contingencies (₹93.99 Cr vs ₹217.44 Cr) and higher other income. EPS jumped to ₹4.47 from ₹0.38 on low base.

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